Terms of use | Critical Illness Cover

Who we are

These terms apply to your use of Critical Illness Cover (illnesscover.uk).

Critical Illness Cover is a trading style of PJG Financial Limited.

PJG Financial Limited, registered in Scotland, company number SC535782. Registered office 5 South Charlotte Street, Edinburgh EH2 4AN.

Authorised and regulated by the Financial Conduct Authority, Firm Reference Number 919697. For insurance, its permission is introductions only. It does not give advice, arrange or sell insurance, and never holds client money.

Registered with the Information Commissioner's Office (ICO), registration ZB537016. Not VAT registered.

What the site provides

Critical Illness Cover provides information about critical illness cover and an enquiry service. We do not provide advice, quotes or an offer of insurance.

Our guides are general information. They do not take account of your personal circumstances and are not a recommendation to buy a particular policy. They do not give medical advice. Speak to the specialist about your needs before making a decision.

Submitting an enquiry does not create an insurance contract or put cover in place. We cannot promise that a specialist will take your enquiry or that an insurer will offer you cover.

Using the enquiry form

You must be 18 or over and in the UK to use Critical Illness Cover. Use your own details and give accurate answers. Tell us at hello@illnesscover.uk if you need to correct information after submitting it.

The form has five short steps. It asks who needs cover, what you would want the money for and roughly how much cover you have in mind. You give your date of birth, first and last name, email address and phone number. It never asks about health conditions, medical history or smoking.

Our privacy policy explains how we use your enquiry information.

The specialist and insurer

We pass your enquiry to one protection specialist as a critical illness cover enquiry. This will be an adviser or broker firm authorised by the Financial Conduct Authority, or one of its appointed representatives. The specialist buys enquiries through Protection Connect, another trading style of PJG Financial Limited.

If no specialist takes your enquiry, we do not pass it on.

The specialist contacts you by phone or email about your enquiry. It explains options and gives quotes. It becomes a separate controller of the personal data it receives.

The specialist is responsible for its advice, quotes and services. The insurer is responsible for its policy terms, cover decisions and claims. Their own terms apply to their services and any policy you buy. This does not remove our responsibility for our own acts or omissions.

You do not have to buy a policy. Any cover depends on the insurer accepting your application and the policy terms.

Charges and payments

You pay Critical Illness Cover nothing for using the site or submitting an enquiry.

The specialist pays PJG Financial Limited a fee for each enquiry passed on. The specialist may earn commission from the insurer if you take out a policy. It must tell you about that commission.

The specialist must explain any charges for its own service. If you buy insurance, you must pay the premiums required under the policy.

Our responsibility to you

We must provide our service with reasonable care and skill. We are responsible for loss or damage that is a foreseeable result of our breach of these terms or our failure to use reasonable care and skill.

Loss is foreseeable if it is an obvious consequence or if both you and we knew it might happen when we agreed to provide the service.

We aim to keep the site accurate and available. We may need to interrupt access for maintenance or repairs. We cannot promise uninterrupted access or that every page will always be complete and current.

We do not exclude or limit liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation or any other liability that cannot lawfully be excluded or limited.

Nothing in these terms removes your legal rights as a consumer or limits our duties under applicable law or FCA rules.

Links to other websites

The site contains links to other websites, such as the sources our guides rely on. We do not control their content or services. A link does not by itself mean that we recommend or approve the website.

Read the other website's terms and privacy notice before using its services or giving it personal information. Our responsibility for our own conduct remains unchanged.

Changes to the site and these terms

We may change the site, its content and these terms. We will publish revised terms here and update the date shown above.

The terms in force when you submit an enquiry apply to that enquiry. Later changes do not remove rights that have already arisen. Please check these terms when you use the service.

Complaints

To complain about Critical Illness Cover's service, email hello@illnesscover.uk or write to our registered office. Complaints about advice or a policy should go to the specialist or insurer responsible. Our complaints procedure explains each step.

We follow the FCA complaint rules, known as DISP. If we resolve your complaint by the end of the third business day after receiving it, we send a summary resolution letter. Otherwise, we send a prompt acknowledgement and a final response within eight weeks.

If you are unhappy with our final response, or have not received one within eight weeks, you can refer an eligible complaint to the Financial Ombudsman Service. The service is free. You should refer your complaint within six months of our final response.

You can write to the Financial Ombudsman Service at Exchange Tower, London E14 9SR or visit its website.

Applicable law and courts

These terms are governed by the law of Scotland. You can bring a claim in the Scottish courts. If you live elsewhere in the UK, you can also bring a claim in your local courts.

You keep any mandatory consumer protections that apply under the law where you live.