1. LEGAL DISCLAIMER

This website, www.crownandcover.com, is the property of CROWN & COVER SERVICES LTD, trading as Crown & Cover Insurance. References to “we,” “our,” and “us” pertain to Crown & Cover Insurance. References to “you” or “your” refer to any user of our services or this website.

2. TERMS OF USE

2.1 This website does not independently generate quotes and is not an FCA-regulated comparison tool. It operates by sourcing third-party information and presenting it on your behalf with your consent.

2.2 By accessing and using this site, you agree to these Terms of Use. If you do not accept them, you must cease use immediately.

2.3 Your access is strictly for personal use, and you must be a UK resident over the age of 18.

2.4 These Terms may be updated without notice. Continued use implies acceptance.

2.5 Crown & Cover Insurance does not act as an insurer and provides no policy administration services.

2.6 We do not offer financial advice or make product recommendations.

2.7 We operate as an independent price-searching company and are not affiliated with any specific underwriter or insurer.

3. PRIVACY POLICY & DATA PROTECTION

3.1 Your privacy is critical to us.

3.2 We comply fully with GDPR and the Data Protection Act 2018 and are registered with the Information Commissioner’s Office (ICO).

4. REGULATORY COMPLIANCE

4.1 We do not:

• Arrange or effect insurance contracts

• Offer advice or make recommendations

• Handle claims or manage policies

• Act as a broker, agent, or underwriter

4.2 Our activities do not fall under regulated activities defined by the FSMA 2000 and FCA Handbook.

5. THIRD-PARTY PRODUCTS

5.1 Products referenced on this site are offered by external providers. We do not endorse any specific provider.

5.2 You are responsible for reading product documents and verifying their suitability before purchase.

5.3 All quotations are in GBP (£).

5.4 Crown & Cover is not liable for any product obtained via third-party links.

5.5 Submission of your details is an offer to purchase — acceptance occurs only when confirmed by the third-party provider.

6. DUTY OF DISCLOSURE

6.1 All quote requests must be submitted in good faith.

6.2 You must provide accurate, up-to-date information.

6.3 Failure to disclose material facts may invalidate your policy.

6.4 If in doubt, contact us before submitting your details.

7. USE OF THIS WEBSITE

7.1 This website is for UK residents only and may not be used commercially or maliciously.

7.2 Use of bots, scraping tools, or automation is strictly prohibited.

7.3 All content must be accessed lawfully and without compromising site security.

8. SERVICE DESCRIPTION

8.1 Crown & Cover finds car and van insurance quotes by searching the market with your permission.

8.2 We are not the insurer and do not handle claims or manage your policy post-purchase.

8.3 You may be charged a service fee for our quote-searching efforts. This fee is separate from any premium paid to an insurer.

8.4 We do not earn commissions from insurers.

9. INTELLECTUAL PROPERTY

9.1 All content, branding, and assets are the intellectual property of Crown & Cover or our licensors.

9.2 You may not use our content for commercial purposes without written consent.

10. LIABILITY

10.1 This website and its services are provided “as is” with no warranties implied.

10.2 We are not responsible for technical issues, errors, or policy outcomes based on third-party performance.

10.3 Nothing in these terms limits liability for fraud or personal injury caused by negligence.

11. INDEMNITY

You agree to indemnify and hold harmless Crown & Cover Insurance and its affiliates from any claims or liabilities resulting from your misuse of this website or breach of these terms.

12. COMPLAINTS

If you have a complaint, please contact:

Complaints Handler
Crown & Cover Insurance

Tel: 07555939295

We aim to acknowledge all complaints within 4 weeks and resolve them fairly and promptly.

13. FRAUD PREVENTION & DATA SHARING

13.1 We share your details with insurers who may check with the Claims and Underwriting Exchange (CUE), MID, DVLA, and other databases to assess risk and prevent fraud.

13.2 False declarations may result in policy cancellation, voidance, or prosecution.

14. PAYMENT FOR SERVICES

14.1 Our quote-searching fee is payable once we present results to you and is non-refundable unless a clerical error has occurred on our part.

14.2 You are not charged for simply using this site or submitting details.

15. GOVERNING LAW

These Terms are governed by English law, and any disputes shall fall under the non-exclusive jurisdiction of the English courts.

16. FINAL NOTES

This Terms of Use agreement represents the complete agreement between you and Crown & Cover Insurance regarding the use of this website.