We helped 100s of people to obtain most competitive quotes every week for life insurance
policies by comparing the UK's leading life insurance providers.
BestLifeQuote.uk.com is a trading style of Click Search Media Ltd which is registered in England and Wales, Registration No. 07849566.
Registered address : Click Search Media Limited, 4 Imperial Place, Maxwell Road, Borehamwood, Hertfordshire, WD6 1JN.
By clicking 'Get a Free Quote' you agree to be contacted by email or telephone by an FCA authorised insurance firm and confirm that you have read and agreed to our
Terms & Conditions and our
Policy. By accessing and using this website you agree to be bound by and to act
use this website and you should cease such access and/or use immediately.
By using the website, you undertake that you are aged 18 years or older.
website shall cease immediately.
to time, you should check them whenever you visit this website. Your continued use
BestLifeQuote.uk.com is an online information source for life insurance that provides
a free life insurance quote search service. It is owned by Click Search Media Ltd.
Alterations to these terms and conditions can be made on occasion and once published,
these alterations will become immediately effective
2. Our Service
We provide an independent online service which enables you to research and compare
life insurance products or services provided by third parties whilst using this
website. Our comparison service is free for you to use. We do not add any fees or
commissions to the products or services you compare. Instead, we will introduce
you to other parties who provide products or services. We are paid by charging those
third party product or service providers a fee and/or commission for introductions
Any financial information featured on the website or accessed via a link from the
website is not considered to be financial advice from Click Search Media Ltd. Click
Search Media Ltd is not authorised by the Financial Conduct Authority (FCA) regarding
financial products and should not be regarded as a financial advisor.
Please be aware that nothing on this website is, or shall be deemed to constitute,
financial, investment or other advice or a recommendation or endorsement by us in
respect of any product or service referred to on this website. Information on this
website is provided for general information purposes only, should not be relied
upon by you and is provided so that you can select the product or service that you
feel is most appropriate to meet your needs. You should always check the suitability,
adequacy and appropriateness of the product or service that is of interest to you
and it is your sole decision whether to obtain or refrain from obtaining any product
or service. If you are in any doubt as to the suitability, adequacy or appropriateness
of any product or service referred to on this website, we suggest that you seek
independent professional advice before you obtain any product or service via this
Please be aware that nothing on this website is, or shall be deemed to constitute,
an offer by us or any third party to sell to you any product or service or to enter
into any contract with you in respect of any product or service. By submitting your
details, you are making an offer to obtain the relevant product or service from
the relevant third party on its terms and conditions that may be accepted or rejected.
The contract for the product or service will only be concluded once your offer has
We aim to provide uninterrupted access to this website but we give no warranty as
to the uninterrupted availability of this website. We reserve the right to suspend,
restrict or terminate your access to this website at any time.
We reserve the right to add, amend, delete, edit, remove or modify any information,
content, material or data displayed on this website and without notice from time
3. Permitted use
You are only permitted to access and use this website for your personal, non-commercial
purposes, meaning this website may only be accessed and used directly by a private
individual or by a business to seek a product or service directly for that individual
or business and on their own behalf. Access to and use of this website other than
for your personal, non-commercial purposes is strictly prohibited.
You are not permitted to use this website:
You may operate a link to this website provided you do so in a way that is fair
and legal and does not damage our reputation or take advantage of it, as determined
by us. You must not operate a link to this website in such a way as to suggest or
imply any form of association, approval or endorsement by us. We reserve the right
to require you to immediately remove any link to this website at any time and we
may withdraw any linking permission at any time.
4. Intellectual property rights
The copyright in the information, content, material or data displayed on this website
belongs to us or our licensors. You may temporarily print, copy, download or store
extracts of information, content, material or data displayed on this website for
your own personal use, subject to the following conditions:
All intellectual property rights including, without limitation, all copyright, design
rights, patents, inventions, logos, business names, trading names, service marks
and trade marks, internet domain names, moral rights, rights in databases, data,
source codes, software, specifications, know how, processes and business methods
(in all cases whether registered or unregistered and including all rights to apply
for registration) in and relating to this website (including information, content,
material or data displayed on it) belong to us or our licensors and all such rights
rights belonging to us or our licensors in and relating to this website (including
information, content, material or data displayed on it) may be used, copied, modified,
published, extracted, utilised, transmitted, displayed, sold, excerpted, reverse
engineered, made available, reproduced, reformatted or distributed by you without
our prior written consent.
All rights in BestLifeQuote.uk.com are owned by Click Search Media Ltd.
You shall retain ownership of any views, opinions, reviews, ratings, comments, content
or material you submit, display, distribute, upload, post, share, publish or otherwise
make publicly available on or through this website (User Content). You grant us
a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited licence
to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt,
reproduce, utilise, extract, make available and transmit such User Content in any
manner and for any purpose.
Sections 5, 6 and 7 are important and you should read them carefully as they exclude
or limit our liability to you and detail your responsibilities.
5. Limits to our liability
injury caused by our negligence or for our fraud or fraudulent misrepresentation.
Whilst we use reasonable endeavours to ensure that information on this website is
accurate and up to date and to correct errors as soon as we are able to after becoming
aware of them, we do not check, monitor, review, verify or endorse, and we are not
responsible or liable for any loss or damage you may suffer or incur in connection
with, any information, content, material or data collected from or provided by third
parties which is displayed on or is otherwise available from this website or any
third party websites. Such information, content, material or data may be inaccurate,
incomplete or out of date. It is your responsibility to check that such information,
content, material or data is accurate, complete, correct and up to date.
Any views, opinions, advice, reviews, ratings or comments on this website or any
third party websites which are made by third parties (including User Content if
any) do not represent our views, opinions or advice, should not be relied upon by
you and are not checked, monitored, reviewed, verified or endorsed by us. We are
not responsible or liable for any loss or damage you may suffer or incur in connection
with such views, opinions, advice, reviews, ratings or comments including in relation
to their accuracy, truthfulness or completeness.
We do not give any warranty or guarantee that this website, any third party website
or any information, content, material or data on this website or any third party
website is free from viruses, spyware, malicious software, trojans, worms, logic
bombs or anything else which may have a contaminating, harmful or destructive effect
on any technology. You must ensure that you use appropriate virus checking software.
We are not responsible or liable for any loss or damage you may suffer or incur
in this regard where caused by any third party.
We are not responsible or liable for any loss or damage you may suffer or incur
in connection with your use of this website which is caused by any event beyond
our reasonable control including the electronic transmission of information, content,
material and data over the internet and the interception or decryption of it by
We are not responsible or liable for any indirect loss or damage you may suffer
or incur in connection with your use of this website (including any loss of savings
you expect to make, loss of business or business opportunity, or loss of profit
or revenue) or for any loss or damage you may suffer or incur in connection with
your use of this website which was not foreseeable by us when you used this website.
We are not responsible or liable for any loss or damage you may suffer or incur
in connection with any inability to access and use this website for any reason.
6. Exclusion of our liability in respect of third party advice, assistance, websites
and products or services
You can apply for a number of products and services via this website. These products
and services are not provided by us but are instead provided by third parties over
whom we do not have control. It is your responsibility to satisfy yourself that
you wish to obtain any product or service before doing so. We are not responsible
or liable for any loss or damage you may suffer or incur in connection with any
product or service you obtain after using this website or for any acts, omissions,
errors or defaults of any third party in connection with that product or service.
Please be aware that the information and descriptions of products and services on
this website may not represent the complete descriptions of all the features and
terms and conditions of those products and services. You must ensure that you carefully
read all the features and terms and conditions of any product or service before
applying for it.
If you apply for and obtain any product or service, you will be contracting with
a third party who will be providing that product or service to you on their own
terms and conditions. It is your responsibility to ensure that you understand and
agree with those terms and conditions before entering into a contract to obtain
that product or service. We are not responsible or liable for any loss or damage
you may suffer or incur in connection with the terms and conditions applying to
any contract entered into by you with any third party in relation to any product
or service or for any acts, omissions, errors or defaults of any third party in
connection with those terms and conditions.
We provide links from this website and from emails sent to you as part of our service
to the websites of third parties. These websites are owned and operated by third
parties over whom we do not have control. You access and use these third party websites
at your sole risk and your sole discretion. You are solely responsible for any use
of these third party websites and for any decision to obtain or refrain from obtaining
any of the products or services available on such third party websites. Any links
to third party websites are provided for your interest and convenience only. We
do not endorse, recommend or accept responsibility for such third parties, their
products or services, their websites or for any information, opinions or views given
or advice provided by such third parties (whether on their websites or otherwise).
We are not responsible or liable for any loss or damage you may suffer or incur
in connection with your use of any third party websites or for any acts, omissions,
errors or defaults of any third party in connection with their website.
Your use of any third party website will be governed by the terms and conditions
Policy. It is your responsibility to ensure that you understand and agree with the
using that website. We are not responsible or liable for any loss or damage you
may suffer or incur in connection with the terms and conditions of use or the privacy
policy applying to any third party website or for any acts, omissions, errors or
defaults of any third party in connection with those terms and conditions of use
Any views, opinions, advice or assistance which is given or provided to you by a
third party after you have used this website do not represent our views, opinions,
advice or assistance and are not checked, monitored, reviewed, verified or endorsed
by us. We do not endorse, recommend or take responsibility for any third party who
provides you with any views, opinions advice or assistance. You act or refrain from
acting on any third party's views, opinions, advice or assistance at your sole risk
and sole discretion and you are solely responsible for any decision to act or refrain
from acting on such views, opinions, advice or assistance. We are not responsible
or liable for any loss or damage you may suffer or incur in connection with such
views, opinions, advice or assistance including in relation to their accuracy, truthfulness
or completeness or for any acts, omissions, errors or defaults of any third party
in connection with such views, opinions, advice or assistance.
Please be aware that whilst this website provides information on a wide range of
products or services, there may be other products or services available on the market
which are not shown on this website and which may be more appropriate or suitable
for you than those shown on this website
7. Your responsibilities
You must take all reasonable precautions (including using appropriate virus checking
software) to ensure that any information, content, material or data you provide
(including User Content) is free from viruses, spyware, malicious software, trojans,
worms, logic bombs and anything else which may have a contaminating, harmful or
destructive effect on any part of this website or the websites of third parties
or any other technology.
You may complete a registration process as part of your use of this website which
may include the creation of a username, password and/or other identification information.
Any username, password and/or other identification information must be kept confidential
by you and must not be disclosed to, or shared with, anyone. Where you do disclose
to or share with anyone your username, password and/or other identification information,
you are solely responsible for all activities undertaken on this website using your
username, password and/or other identification information.
You must check and ensure that all information, content, material or data you provide
on this website is correct, complete, accurate and not misleading and that you disclose
all relevant facts. We do not accept any responsibility or liability for any loss
or damage you may suffer or incur if any information, content, material or data
you provide on this website is not correct, complete and accurate or if it is misleading
or if you fail to disclose all relevant facts.
Before you obtain any product or service from a third party, you must check all
of the information, content, material or data held by the third party about you
to ensure it is correct, complete, accurate and not misleading and that you have
disclosed all relevant facts. It is your responsibility to identify and correct
any mistakes or errors in the information, content, material or data held by the
third party about you before you obtain any product or service. Failure to do so
could invalidate the product or service provided by the third party. We do not accept
any responsibility or liability for any loss or damage you may suffer or incur if
any information, content, material or data held by the third party about you is
not correct, complete and accurate or if it is misleading or if you have failed
to disclose all relevant facts.
You agree that you will be liable to us for any damage, loss, claim, demand, liability
or expense (including reasonable legal fees) that we may suffer or incur arising
out of or in connection with your conduct on this website.
Our aim is at all times to provide you with an excellent service. If you are unhappy
with our service for any reason, please contact our Customer Services Team by writing
to address or by email to email@example.com.
We will aim to resolve your complaint within 48 hours. If we are not able to do
so, we will provide you with an acknowledgement. After we have had an opportunity
to investigate your concerns, we will issue you with a final response. Depending
on the nature of your complaint and if you remain dissatisfied with our response,
you may have the right to refer your case to the Financial Ombudsman Service at
South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0845 080 1800; email:
firstname.lastname@example.org; website http://www.financial-ombudsman.org.uk/.
We will inform you if this right of referral applies to you.
If you are unhappy with any product you have obtained from a third party or have
any complaint regarding any third party, you should address your complaint directly
to that third party. If you require their contact details, please contact our Customer
Services Team who will be happy to assist.
Click Search Media Ltd is registered with the UK Data Protection Registrar and endeavours
to follow all the guidelines and rules set out in the Data Protection Act 1998.
We are committed to protecting your privacy and we treat your privacy very seriously.
website, you agree to the way in which we process and deal with your personal information.
We may disclose your personal information or access your account if required to
do so by law, any court, the Financial Conduct Authority, the Office of Fair Trading
or any other applicable regulatory, compliance, Governmental or law enforcement
10. Jurisdiction for use:
This site is intended for use only by those who can access it from within the UK.
11. What we use personal data for:
We collect personal data to enable us to identify you and to deliver personalised
offers and promotions based upon your demographics and product purchase profile,
and for the purposes of statistical analysis.
The information is used for system administration purposes and to form personalised
profiles and demographics that we may use to improve the content of our communications
and track information about your use of BestLifeQuote.uk.com. We will use this personalised
information to keep you informed of areas in which you may have an interest. If
you would prefer not to receive communications from us, please tell us by email
12. Access to personal data
Under the Data Protection Act 1998 you have the right to make a request for a copy
of the personal information we hold about you. We are entitled to charge an administration
fee of £10 for answering your request. Please write to us in the first instance
outlining your request at Click Search Media Limited, 4 Imperial Place, Maxwell Road, Borehamwood, Hertfordshire, WD6 1JN.
13. Governing law
by and interpreted in accordance with English law.
Each of you and us submits to the exclusive jurisdiction of the courts of England
website (including any claims or disputes).
14. Termination of Agreement
Should any of the terms and conditions stated be breached, Click Search Media Ltd
has the right to terminate the agreement and immediately remove, cancel or suspend
access to and use of the website. All disclaimers, indemnities and exclusions stated
within these terms and conditions shall survive termination of the agreement between
us for any reason.
All disclaimers, indemnities and exclusions stated within these terms and conditions
shall survive termination of the agreement between us for any reason.
Click Search Media Ltd is not liable for failure to undertake any obligation under
this agreement if failure results from events out of its control, including without
limitation Internet/telecoms outages, fire, flood, war.
Section 2 (Additional Terms)
Some products or services require additional terms and conditions to those set out
above and these are detailed below:
15. Insurance products
Our insurance service allows you to search for and compare life insurance products
from different life insurance providers.
You will need to answer a number of questions on this website in order to compare
or obtain a quote for any insurance product. These questions are designed to ensure
that we and all relevant insurance providers have all the information necessary
to provide you with appropriate and timely information relating to the products
in which you are interested. The level of cover and the amount you will pay will
be determined by the answers you provide to these questions. It is therefore very
important that you answer all of the questions truthfully, completely and accurately
and that you disclose all relevant facts. Failure to do so could invalidate the
insurance product you purchase meaning you have no insurance cover. If your insurance
product is invalid, claims may not be paid and you could be responsible for any
third party costs if any event occurs where you would otherwise have been covered
by the insurance product.
Before you apply for any insurance product, it is very important that you check
all of the information held by the insurance provider about you to ensure it is
true, correct, complete and accurate, that it is not misleading and that you have
disclosed all relevant facts. It is your responsibility to identify and correct
any mistakes or errors in the information held by the insurance provider about you
before you apply for any product. Failure to correct any mistakes or errors in the
information held by the insurance provider about you or a failure to disclose all
relevant facts could invalidate your chosen insurance product.
The information you provide may be used to carry out certain credit checks through
licensed credit-referencing agencies. This is used as part of the underwriting process
for some of the insurance providers and a record of this search will be made although
this will not adversely affect your credit profile.
If you are in any doubt as to whether any information is relevant or required to
be disclosed or that something may be incorrect you should disclose it to your proposed
insurance provider before you apply for the insurance product. If you do not provide
all such information or if you fail to tell your proposed insurance provider about
any circumstances likely to influence their assessment of the risks involved, your
proposed insurance provider may be able to treat your insurance policy as invalid.
Most insurance providers make certain assumptions about you. These will be different
to any assumptions made by us about you. It is your responsibility to check the
assumptions made by insurance providers as they form part of your contract with
your selected insurance provider. If any assumption made by an insurance provider
is incorrect, you must inform the insurance provider before you apply for any insurance
product. Failure to do so could invalidate the insurance product.
In providing our life insurance service, we have made certain assumptions about
you and we have answered some questions on your behalf using those assumptions.
If these assumptions are incorrect it is your responsibility to change the answers
and provide the correct information when making an application for the product to
the life insurance provider. To view the assumptions we have made about you, please
You agree that we may use your data to send you a renewal quote when your annual
policy is due to expire to remind you of this and to highlight how we could continue
saving you money. This may include performing a new quote for you based on the information
you have previously provided. It is very important that you check all of the information
about you is true, correct, complete and accurate, that it is not misleading and
that you have disclosed all relevant facts before you apply for any insurance product.
It is your responsibility to identify and correct any mistakes or errors in the
information about you before you apply for any product.
It is very important before you apply for any insurance product that you carefully
read the terms and conditions of the product, the insurance provider's terms and
conditions and any other documentation that applies to the insurance product. You
must familiarise yourself with all the details of the insurance product, for example,
the restrictions, exclusions, conditions and obligations which apply to the insurance
product. It is your responsibility to ensure that the insurance product matches
your requirements and that you agree to the terms and conditions of the insurance
product before you apply for it. We accept no responsibility or liability whatsoever
for any loss or damage you may suffer or incur in the event that any insurance product
you apply for does not meet your requirements or is not suitable for you.
We take the protection of your personal data very seriously. This section explains
what information we collect from you, what we do with it, how we keep it secure
and the circumstances upon which we provide it to third parties. If you have any
customer services Team at our address given above or via email at
By using this site, you are giving us permission to use the data you provide us
Information about you will not be collected unless you choose to give it to Click Search Media Ltd.
If you do not want Click Search Media Ltd to collect/process personal or financial information,
please do not submit it. If you believe any personal or financial information to
be incorrect, contact Click Search Media Ltd and the information shall be immediately corrected
or removed from the database should you request it.
Information that we collect from you:
To take advantage of our services, you might be required to provide us with certain
information about yourself. This may include doing things such as registering your
contact details or completing certain forms on our website. You may also be asked
to provide us with information about yourself if you wish to contact us for any
reason. We also collect details of your visit to our website and your use of it.
Sensitive personal data:
The nature of our business is such that we may also on occasion ask you to provide
sensitive personal data as defined in the Data Protection Act 1998. By proceeding
with obtaining a quote, we will take that as your explicit consent to such information
being processed by ourselves and the relevant third party service providers.
We may also collect information about your computer, including where available your
IP address, operating system and browser type using a cookie file which is stored
in the hard drive of your computer. Cookies help us to improve our website and deliver
a better and more personalised service to you. They enable us to:
Most browsers accept cookies automatically, but usually you can alter the settings
of your browser to prevent automatic acceptance. If you choose not to receive cookies,
you may not be able to use certain features of our website.
The information that is collected by us via cookies is completely anonymous.
How will we use your data?
We (or third parties acting on our behalf) may use your personal information in
the following ways:
We will also disclose your personal information to third parties who provide the
products/ services that you have enquired about via our website.
We also may need to disclose your personal information where it is necessary to
comply with any applicable laws or to protect ourselves or our users (including
exchanging information with other companies for the purposes of fraud protection),
or in the event that we sell our business, in which case we may disclose your personal
data to the prospective buyer of our business.
How do we store your personal information and keep it secure?
As required by the Data Protection Act 1998, we follow strict security procedures
in the storage and disclosure of personal information which you have provided via
this website, to prevent unauthorised access. We shall take all reasonable steps
to ensure your personal details remain secure. The personal information that we
collect from you may also be transferred to and stored outside of the European Economic
information on our website. If at any time after you have provided personal information
to us and you want to object to your personal data being used by us, you need to
let us know by either contacting our customer services team at our address given
above or by sending an email to us at
email@example.com We will endeavour to process your
request as soon as possible, but in some cases it may take us up to 28 days to process
your request. You may request a copy of the information we hold about you. We will
be happy to provide you with such information upon request and the payment of £10
in order to cover our administrative expenses in relation to your request.
Please note that we are not responsible for what any third party content provider
or other third party offering goods and services via websites or linked to or framed
around our website may do with any personal information that you may provide them.
Accordingly, please ensure that you also read their data protection and privacy
terms and conditions very carefully before providing them with your personal information.
Any failure on our part to enforce any right will not constitute a waiver of such
These terms and conditions replace any previous terms and conditions regarding the
use of our website.
These terms and conditions are subject to English law and the exclusive jurisdiction
of the English courts.
If you have any questions about these terms and conditions or have a general query
about the services that we provide, please get in touch. You can find our contact
details by clicking on this link: Contact
Pays-out a lump sum if you are diagnosed with a critical illness such as heart attack,
cancer, brain tumor etc
LEVEL - Protect Your Family
A lump sum is paid to your loved ones if the policy holder dies or diagnosed as
terminally ill. It is also sometimes known as life assurance or term insurance.
DECREASING - Protect Your Mortgage
The amount of cover reduces in line with your outstanding mortgage balance. It is
also sometimes known as the mortgage life insurance or mortgage protection insurance.
Please choose the length of the life insurance plan you require. Normally people
choose the number of years remaining on their mortgage or until their children are
Guaranteed – Fixed premiums throughout the policy period
Reviewable – Premiums reviewed regularly over the term of the policy
BestLifeQuote.uk.com is an independent UK website that compares the leading life
insurance policies from best UK providers to help you find out the right cover that
suit your individual requirements.
Why Choose BestLifeQuote.uk.com?
We are committed to help you get the best ever life insurance cover from a sea of
options in the UK market.
All you need to do is complete our short online form and leave the rest to us to
find you the best life insurance cover quote from a range of affordable plans.
How do we earn money?
We never let you pay us any money for using our comparison service. It is absolutely
free of cost. All we do is charge the life insurance expert whom we send your enquiries
to and this charge can be fixed or it may vary. This charge will only relate to
the introduction of you to the life insurance expert.
No other additional charges apply as neither we receive nor charge any other amount
to you or the financial expert whom your details are passed to.
Data is collected, processed and maintained in accordance with the Data Protection
Act 1998. Registration Number: ZA036317
These terms and conditions shall govern your use of our website.
By using our website, submitting any data to our website or using any of our website services, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our website.
You must be at least 18 years of age to use our website; by using our website or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.
2. Copyright notice
Copyright (c) 2011-2018bestlifequote.uk.com
Subject to the express provisions of these terms and conditions:
3. Licence to use website
subject to the other provisions of these terms and conditions.
Except as expressly permitted by Section 3.1 or the other provisions of these terms and conditions, you must not download any material from our website or save any such material to your computer.
You may only use our website for your own personal and business purposes, and you must not use our website for any other purposes.
Except as expressly permitted by these terms and conditions, you must not edit or otherwise modify any material on our website.
Unless you own or control the relevant rights in the material, you must not:
We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion; you must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.
4. Acceptable use
You must not:
You must not use data collected from our website to contact individuals, companies or other persons or entities.
You must ensure that all the information you supply to us through our website, or in relation to our website, is true, accurate, current, complete and non-misleading.
5. Enquiries and leads
Our website includes an enquiry form that you can use to request information about or quotations in respect ofLife insurance, Income Protection, ASU and Funeral Plans.
We may supply the information that you provide through the enquiry form to FCA authorised broker, Funeral Plan providerand/orselected Financial Technology (FinTech) companies that provide the introduction to the service providers.
Telephone and email enquiries that you make using the details published on our website will be directed to or passed to a supplier.
We will earn a fee in respect of each lead that we provide to a supplier.
You acknowledge that:
and accordingly, we will not be liable to you in relation to any loss or damage arising out of any use of a supplier website, any information provided by a supplier, any offer made by a supplier, or any contract with a supplier.
We are not responsible for the enforcement of any obligations arising out of a contract between you and any third party, and we will have no obligation to mediate between the parties to any such contract.
6. Report abuse
If you learn of any unlawful material or activity on our website, or any material or activity that breaches these terms and conditions, please let us know.
You can let us know about any such material or activity by email to firstname.lastname@example.org
7. Limited warranties
We do not warrant or represent:
We reserve the right to discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in these terms and conditions, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.
To the maximum extent permitted by applicable law we exclude all representations and warranties relating to the subject matter of these terms and conditions, our website and the use of our website.
8. Limitations and exclusions of liability
Nothing in these terms and conditions will:
The limitations and exclusions of liability set out in this and elsewhere in these terms and conditions:
To the extent that our website and the information and services on our website are provided free of charge, we will not be liable for any loss or damage of any nature.
We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.
We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.
We will not be liable to you in respect of any loss or corruption of any data, database or software.
We will not be liable to you in respect of any special, indirect or consequential loss or damage.
You accept that we have an interest in limiting the personal liability of our officers and employees and, having regard to that interest, you acknowledge that we are a limited liability entity; you agree that you will not bring any claim personally against our officers or employees in respect of any losses you suffer in connection with the website or these terms and conditions (this will not, of course, limit or exclude the liability of the limited liability entity itself for the acts and omissions of our officers and employees).
You hereby indemnify us, and undertake to keep us indemnified, against any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of your use of our website or any breach by you of any provision of these terms and conditions.
10. Breaches of these terms and conditions
Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we may:
Where we suspend or prohibit or block your access to our website or a part of our website, you must not take any action to circumvent such suspension or prohibition or blocking.
11. Third party websites
Our website includes hyperlinks to other websites owned and operated by third parties; such hyperlinks are not recommendations.
We have no control over third party websites and their contents, and subject to Section 8.1 we accept no responsibility for them or for any loss or damage that may arise from your use of them.
12. Trade marks
Our logos and our other registered and/or unregistered trademarks are trademarks belonging to us; we give no permission for the use of these trademarks, and such use may constitute an infringement of our rights.
The third party registered and unregistered trademarks or service marks on our website are the property of their respective owners and, unless stated otherwise in these terms and conditions, we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any licence to exercise such rights.
We may revise these terms and conditions from time to time.
The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions; if you do not agree to the revised terms and conditions, you must stop using our website.
You hereby agree that we may assign, transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms and conditions.
You may not without our prior written consent assign, transfer, sub-contract or otherwise deal with any of your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.
If any unlawful and/or unenforceable provision of these terms and conditions would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
16. Third party rights
A contract under these terms and conditions is for our benefit and your benefit and is not intended to benefit or be enforceable by any third party.
The exercise of the parties' rights under a contract under these terms and conditions is not subject to the consent of any third party.
17. Entire agreement
Subject to Section 8.1, these terms and conditions, together with our privacy and cookies policy, shall constitute the entire agreement between you and us in relation to your use of our website and shall supersede all previous agreements between you and us in relation to your use of our website.
18. Law and jurisdiction
These terms and conditions shall be governed by and construed in accordance with English law.
Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of England.
19. Our details
This website is owned and operated by Click Search Media Limited.
Our registered office is at 4 Imperial Place, Maxwell Road, Borehamwood, Hertfordshire, WD6 1JN.
You can contact us:
We take data protection and your privacy very seriously at Click Search Media Limited. Here's how we handle your information
Last updated: 23rd May 2018
This privacy notice aims to give you information on how Click Search Media Limited collects and processes your personal data through your use of this website, including any data you may provide when you submit our online contact form.
It is important that you read this privacy notice so that you are fully aware of how and why we are using your data.
1. Who We Are
Click Search Media Limited trading as BestLifeQuote.uk.com is registered in England and Wales with company number 07849566 is the data controller and responsible for your personal data (collectively referred to as “Click Search Media Limited”, “https://www.clicksearchmedia.co.uk”, “we”, “us” or “our” in this privacy notice).
We are a registered data controller with the Information Commissioner’s Office, registration number ZA036317.
2. The Data We Collect About You
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.
We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
3. How We Collect Your Personal Data
We use different methods to collect data from and about you including through:
4. How We Use Your Personal Data
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
Our lawful basis for processing your general personal data:
Legitimate interests: The processing necessary for the purposes of the legitimate interests of the data controller or a third party, except where such interests are overridden by the interests or fundamental rights or freedoms of the data subject
Data used for the purpose of providing the introduction to an FCA authorised broker in order to provide the service requested by the data subject
5. Sharing of Your Personal Data
We may have to share your personal data with the parties set out below for the purposes set out in our lawful basis for the processing of your general person data:
For Insurance Products:
For Funeral Plans:
6. Your Legal Rights and Your Personal Data
Under certain circumstances, you have rights under data protection laws in relation to your personal data. You have the right to:
If you wish to exercise any of the rights set out above, please contact email@example.com for further details.
7. Data Security
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
8. Data Retention
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
9. Data Transfers to Third Countries
The data we collect from you may, on occasion, be stored and/or processed at a destination outside the European Economic Area (EEA). It may also be processed by organisations operating outside the EEA who work for us or for one of our suppliers. These organisations may be engaged in the fulfilment of your request, order or reservation, and the provision of support services.
Where we use certain service providers, we may use specific contracts approved by the European Commission which give personal data the same protection it has in Europe.
Where we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal data shared between the Europe and the US.
We use the pieces of information that cookies record to help us improve services for you by, for example:
How to control and delete cookies:
However, if you wish to restrict or block the cookies which are set by our websites, or indeed any other website, you can do this through your browser settings. The 'Help' function within your browser should tell you how.
Alternatively, you may wish to visit the AboutCookies.org website which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your machine as well as more general information about cookies.
Please be aware that restricting cookies may impact on the functionality of our website.
If you wish to view your cookie code, just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.
For information on how to do this on the browser of your mobile phone, please refer to your handset's user manual.
Cookies We Use and Why:
Strictly Necessary Cookies
These cookies let you move around the website and use essential features like secure areas. These cookies don't gather any information about you that could be used for marketing or remembering where you've been on the internet.
We use these Strictly Necessary cookies to:
Cookies we have defined as 'Strictly Necessary' cookies will not be used to:
Accepting these cookies is a condition of using the website, so if you prevent these cookies we can't guarantee our website will perform as expected during your visit.
These cookies help identify information about how you use our website e.g. which pages you visit, and if you experience any errors. These cookies don't collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how our website works, understand what interests our users, and measure how effective our advertising is.
We use performance cookies to:
Using our site indicates that you accept the use of 'Performance' cookies. Accepting these cookies is a condition of using the website, so if you prevent them we cannot guarantee how our site will perform for you.
Functionality cookies are used to provide services or to remember settings to improve your visit. We use Functionality cookies to:
Cookies defined as 'Functionality' will not be used to target you with adverts on other websites.
Preventing these cookies may mean we can't offer you some services and will reduce the support we can offer you. It's also possible that preventing these cookies will stop us remembering that you didn't want a specific service.
For example, social media sharing cookies apply when you share our content on a social network such as Facebook or Twitter.
We have relationships with carefully selected and trusted marketing suppliers. Sometimes you might see our adverts on other websites. This is because a cookie has been used to deliver the ad to you. It is important to understand that these cookies are completely anonymous - they are only stored on your computer. No information is ever shared with other websites and you have the ability to opt out of targeted marketing directly from these trusted suppliers. Preventing these cookies may stop us from offering you some services. All of these cookies are managed by third parties.
11. How to Make A Complaint
To exercise all relevant rights, queries or complaints, please contact us at firstname.lastname@example.org to discuss your concerns.
Following this, if you are still dissatisfied, you are able to contact the Information Commissioner’s Office directly at https://ico.org.uk/
Life insurance or Life assurance is a contract between You, the policy owner
and the insurer, where the insurer promises to pay a designated beneficiary a sum
of money (the benefits) upon the death of the insured person. Depending on the contract,
other events such as terminal illness or critical illness may also trigger payment.
In return, the policy holder agrees to pay a stipulated amount (the premium) at
regular intervals or in lump sums.
Mortgage Life Assurance / Mortgage Life Insurance:
Mortgage Life Assurance is used to protect your mortgage against the risk of you
dying and leaving it behind for your family to continue paying.
Mortgage Life Assurance is only suitable for mortgages which are Capital and Repayment
because the level of cover is designed to reduce as your mortgage reduces over the
The reduction ensures that there is always enough in the 'pot' to pay off the mortgage
if the worst happens but there will be very little surplus remaining.
Term Life Assurance/Term Life Insurance:
Term Life Assurance is the opposite of Mortgage Life Assurance in that the amount
of cover remains the same throughout the term of the policy and does not reduce.
This type of Life Assurance is suitable for those people with Interest Only mortgages,
those wishing to cover funeral expenses and people wanting to leave a sum of money
behind to ensure their families standard of living.
Level Term Life Assurance/Level Term Life Insurance:
Level Life Assurance/Level Term Life Assurance is another term which is used to
refer to Term Life Assurance. Normally the affordable forms of life cover. The face
amount remains level throughout the stated period. This policy is often purchased
for short term debt or intermediate term debt.
Decreasing Life Assurance / Decreasing Life Insurance:
Decreasing Life Assurance is a term used to mean the same as Mortgage Life Assurance.
The 'decreasing' refers to the reduction in cover over the years.
This is a variant of the level term life insurance. It provides a level amount of
insurance but the premium increases each year at the policy renewal date.
Whole of Life Assurance:
A whole life insurance policy is a policy that generally pays guaranteed sum in
the event of the death of the insured to the dependents of the insured. In some
cases, the earlier diagnosis of a critical illness also results in the said payment.
. This insurance can be without-profits, with profits or unit-linked. Whole life
insurance policies are sometimes called straight life insurance policies or permanent
Family Income Benefit:
Family Income Benefit pays out a regular annual income in the event of death or
diagnosis of a specified critical illness, during a specified period for your dependants.
Actual payments can be half yearly, quarterly or monthly.
This kind of life insurance pays out the sum insured only on diagnosis of the insured
person having contracted one of a range of specified critical illnesses. These illnesses
usually include heart disease, stroke, and cancer. This is not offered as a standard
part of a life insurance policy. Our broker partners can provide can provide critical
illness cover in addition to a standard life insurance policy.
Guaranteed premiums usually are fixed by the insurer and remain the same throughout
the policy term. If you have chosen the indexation option, in which case the premiums
will also rise linked to inflation.
Reviewable premiums are usually increased by the insurer at regular intervals, usually
every five years. The benefit of selecting a 'reviewable' plan is that usually the
premium starts off at a much lower level than a guaranteed plan, particularly when
critical illness has been selected as an option.