Site Terms and Conditions

Access to and use of this Web site (“the Site”) is subject to the following terms and conditions.

The Site is owned and operated by NCI Insurance Services Ltd a company registered in England and Wales (Registration No. 04741145) whose registered office is 4th Floor, Clarendon House, Victoria Avenue, Harrogate HG1 1JD. Throughout these Terms and Conditions NCI Insurance Services Ltd and all its subsidiaries are referred to as, “NCI”, “We”, “Our” or “Us”.

Any person or organisation that accesses the Site is referred to throughout these Terms and Conditions of use as “You” “Your” “User or “Users”. By accessing the Site You are agreeing to be bound by these Terms and Conditions which may be updated from time to time without notice. You should satisfy yourself that You are familiar with the terms and conditions prevailing at the time of each visit to the Site.


Copyright © NCI. All rights reserved. All copyright and other intellectual property rights in all text, images, sounds, software and other materials on this Site are owned by NCI, or are included with permission of the relevant owner. You are permitted to browse the Site and to reproduce extracts by way of printing, downloading to a hard disk and by distribution to other people but, in all cases, for lawful non-commercial, informational and personal purposes only.

No reproduction of any part of the Site may be sold or distributed for commercial gain, nor shall it be modified or incorporated in any other work or publication. You must not alter in any way anything which You access on the Site. No other licence or right is granted.

Trade marks

All trade marks displayed on this Site are either owned or used under licence by NCI.


Your information and activity on this Site must not:

  • be false, inaccurate or misleading;
  • be in breach of any applicable laws, regulations, licences, or third party rights;
  • interfere in any way with the proper working of the Site and in particular You must not circumvent security, tamper with, hack into or disrupt the operation of the Site or surreptitiously intercept, access without authority or expropriate any system, data or personal information as defined in the Data Protection Act 1998.

You will not (directly or indirectly) perform, authorise, encourage or assist others to perform ‘mystery shopping’ on this Site, that is to say, the accessing of this Site for the purpose of obtaining any insurance quotes (or other related information), other than a genuine insurance quote for your own personal use.

This Site is intended normally to be available 24 hours a day and 7 days a Week. NCI will not be liable for any failure to achieve this level of availability.

The Site may be suspended temporarily and without notice in circumstances of system failure, maintenance or repair or for reasons beyond the reasonable control of NCI.

You agree to fully reimburse NCI in respect of all losses, costs, actions, claims, and liabilities incurred by NCI as a result of any breach or non-observance by You of these terms or any data submitted by You to NCI. NCI will make all reasonable attempts to exclude viruses (and similar destructive devices) from the Site but cannot guarantee the exclusion of viruses (and similar destructive devices) and You should take appropriate steps in respect of this risk.

No Offer or Advice

Neither the information, not any opinion contained on the Site constitutes an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. No information contained on this Site or associated links to other NCI or third party Web sites constitutes financial or other advice in accordance with the provisions of the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority for the conduct of business.


The information on the Site will be amended from time to time as considered appropriate by NCI without further notice and has been included in good faith for general informational purposes only. It should not be relied on for any specific purpose or particular purpose and no representation or warranty is given as regards its accuracy completeness or fitness for any purpose in respect of the information presented on this Site or any site linked to it. Save to the extent that such limitation is not permitted under English law neither NCI nor any of its employees shall be liable for any loss, damage or expense arising in contract, tort or otherwise out of any reliance on information contained on the Site, access to or use of or inability to use this Site or any site linked to it including, without limitation, any loss of profit, indirect, incidental or consequential loss.

Linked Sites

At various points throughout the Site You may be offered automatic “hypertext” links to other internet Sites relevant to a particular aspect of this Site. This does not indicate that NCI is necessarily associated with any of these other sites or their owners or that such links indicates any endorsement or promotion of any such sites. Whilst it is the intention of NCI that You should find these other sites of interest, neither NCI nor its employees shall have any responsibility or liability of any nature for these other sites or information contained on them.

These terms shall be governed by and construed in accordance with English Law and each party to these terms submits to the exclusive jurisdiction of the English Courts.


The content of this Site has been designed to work towards Priority 2 of the W3C Web Content Accessibility Guidelines. NCI aims to continually make improvements to meet these guidelines. The design and coding of the Site has been implemented to support adaptive technologies (such as screen readers and text-only browsers).


To conform to W3 accessibility guidelines, cascading style sheets have been used to create the layout of the Site. However, the functionality and content are independent of this technology and Users may disable the default style sheets to maximise flexibility with font resizing or implement their own style sheets in their browser preferences.

Please visit the W3 accessibility guidelines and RNIB Web access centre for more information.

Contact us

This Site is aimed at fulfilling the information needs of Our clients / potential clients, the press, potential employees and other interested stakeholders.

If You have come to the Site and have not found the information You require, or want to make contact please click here to view our contact details.

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NCI Insurance Services Ltd (Registered in England & Wales No. 04741145). Registered Office: 4th Floor Clarendon House, Victoria Avenue, Harrogate, North Yorkshire HG1 1JD. NCI Insurance Services Ltd are an Appointed Representative of Jigsaw Insurance Services Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference: 307654).