Terms and Conditions

Our Terms

Please read out Terms and Conditions below.

The terms and conditions shown below govern the use of this website, www.BusinessCoverExpert.com (the "Website"). Please read the following carefully and make sure you understand and accept all of the terms and conditions below before you start using our Website.

You must not use this Website if you do not agree to the terms and conditions outlined on this page or if you are under 18 years old or not a resident the United Kingdom.

The Website is a operated by Business Cover Expert ("we", "us" and "our"). We are a limited company registered in England and Wales with number 10185744 and the following registered address:

Business Cover Expert
11 Funtley Court
Funtley Hill
PO16 7UY

We are licensed by the Information Commissioners Office under the Data Protection Act 1998 - License number ZA184766

The purpose of this Website is to provide you with an overview and access to all of the products and services from our range of product and service providers that we work with and may be available to you. It is possible that you may find a better quote elsewhere even though we seek to ensure to provide you with the best value offering. Whilst we provide you with an overview of the products and services available via our website, this does not constitute tailored advice about those products and how suitable they may be for your personal needs. If you require specialist or specific advice this website may not be not suitable for you and we recommend you should seek independent professional advice.

Nothing on this website is or can be deemed to constitute financial, investment or other advice, not a recommendation or endorsement of a product or service by us. The material provided on the website is for general information purposes only and should not be relied upon. It is your sole responsibility to ensure the suitability, adequacy and appropriateness of a product or service that interests you on our website to your needs. As such you should consider seeking independent professional advice before obtaining any products or services via our website.

Our website and the service we offer allows us to introduce you to a broker who may be able to assist you in seeking the services you require and by submitting your details you agree to be contacted by telephone or email by an FCA Authorised Advisor. Telephone calls may be recorded for training and auditing purposes.

Our service is free of charge for you to use, however we may receive commission and/or fees from the brokers and service providers who we refer you to.

When considering your application your information may be referred to one or more lenders and/or providers including credit card issuers who will search, link and record information relating to you with credit reference and fraud agencies. This means that any other lender or insurer who makes another search will see this information, this is for the purpose of matching you to financial product providers.

We will always aim to provide uninterrupted access to our website and services but reserve the right to terminate, suspend or restrict access to this website and/or services at any time for legal, security or other circumstances we determine are appropriate.

When necessary, we will make amendments to these terms and conditions and they are subject to change without notice. By using our website you are agreeing to the Terms and Conditions shown on this page at the time of your visit - you should check this document on each visit you make to our website to ensure you agree to our Terms and services.

If you return to and continue to use our website, we will assume you agree to any changes we have made to our terms and conditions.

We will always aim to provide you with a satisfactory service and this is our priority. However, if you feel unhappy with the services we have provided or would like to give us feedback on how we can improve, please contact us.

Post: Business Cover Expert, 11 Funtley Court, Funtley Hill, Fareham, PO16 7UY

Telephone: 0800 802 1793 – We may record and monitor telephone calls

Email: info@businesscoverexpert.com

If we cannot resolve your complaint straight away, we will confirm our understanding of your complaint and further details on who will be handling your complaint and when we anticipate to respond to you by. If we cannot reach a resolution and decision we will update you after 8 weeks.

If you are unhappy with any product or service that you have been introduced to through our website, we recommend that you complain directly to the provider of that product or service.

Our Liability


You are solely responsible for ensuring that the information you provide is up to date, complete and accurate. You are solely responsible for ensuring that the information you provide us with is not false or misleading and that you will ensure to disclose all relevant facts required at the time of using our services. We are not responsible or liable for any loss, damage you may suffer or voided services/products which affect you by your failure to provide accurate, up to date and not misleading information.

You are solely responsible for ensuring that any 3rd party that you enter a contract with have all the necessary information that they require.

You are responsible for ensuring that you read, understand and fully agree with the terms and conditions of any third party that we may introduce you to and whom provides you with their product or services.

You are responsible for researching the products and/or services that you want to apply and that the information provided for these products and services is accurate, complete, up-to-date and suitable for your needs.

Our website contains information and descriptions about the products and services you may apply for. This information does not provide a complete description of all the features, terms, conditions, or information regarding those products. Much of this information is provided by third party product or service providers. We do not verify or endorse the information and it may be inaccurate, incomplete or out of date. Although we reasonably endeavour to ensure the information on our website is reliable and try to correct any errors and omissions as soon as possible, it is your responsibility to ensure that such information is accurate. We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with, the details we provide on our website with respect to any product or service provided by third parties which you did not check individually and/or do not meet your needs for any reason.

Whilst we strive to make sure our website is free from viruses, malware and exploitative code which may harm your computer or result in loss of data, we accept no responsibility for any losses or damage to your computer equipment or data that occur as a result of using our Website or any of our third-party websites. We highly recommend using anti-virus software to keep your machine safe.

We shall not be liable to you or hold any responsibility for losses (including but not limited to: income, revenue, business, profits, contracts, potential savings, data, goodwill, opportunity) direct or indirect or damage incurred to you or your equipment by using or in connection with the access or lack of access to our website where:

  • You have not complied with these terms and conditions.
  • We have not breached the duty of care owed to you by us, our employees or anyone authorised company or individual acting on behalf of us, or
  • any loss or damage you suffered by our breach of these terms and conditions where it was not reasonably foreseeable, or
  • damage or loss caused by events outside our control; or
  • damage or loss incurred by your failing to act reasonably in the circumstances or by failing to take reasonable steps to mitigate your loss or damage.

By downloading the white papers on our website, you agree to provide us with your name, phone number and email address. Your personal data is collected in order to:

  • enable the delivery of the products and services provided by us;
  • send you email messages concerning your download;
  • send you newsletters;
  • contact you via an FCA partner advisor in order to provide you with further help and information;
  • keep you informed of new products and services provided on our website, and any changes in the provision thereof;
  • draw up statistics relating to the number of visits on different segments of the website

Upon submitting your details, you accept all provisions of the Terms and Conditions and Privacy Policy and you endorse the collection and processing of your personal data with the provisions set forth in the Privacy Policy.

Your personal data is kept strictly confidential nor shall your data be used for direct marketing purposes without your consent. In order to exercise the right of opposition against the processing of your personal data for direct purposes, an email should be sent to info@businesscoverexpert.com or you can unsubscribe at www.businesscoverexpert.com/unsubscribe

You do not have the right to manipulate, appropriate or use the available data on our website for publications or services which may compete or collide with any publications or services. The data may only be used for personal purposes and may under no circumstances be sold or transferred to third parties.

Your Liability

When using our website, we reasonably expect that you will adhere to our terms and conditions. If we think you have breached any of the terms and conditions, intentionally or unintentionally, we reserve the right to terminate and/or suspend your access to our website or taken other action as necessary.

If your use of our website causes us to suffer any losses or damages, you shall be responsible for any such loss or damage that we may suffer and we reserve the right to claim reimbursement for the aforementioned losses or damages.

Additional Terms & Conditions

Additional terms and conditions may occasionally be applicable for offers, promotions or specific products and/or services. These terms and conditions will be made available to you where relevant.

These terms and conditions are subject to and provided under English law and will be enforced under the exclusive jurisdiction of the English courts.

If you have any questions about these terms and conditions, please get in touch.

These terms and conditions were last updated on the 10th April 2018.