Snapsurance
Last Updated: 10/01/2025
1. About Us
Snapsurance is a UK-based automotive advisory and e-commerce service.
We provide:
- Insurance price comparison assistance
- Insurance savings advice
- Automotive products and accessories
- General vehicle-related guidance
Snapsurance is not an insurance company and does not underwrite insurance policies.
2. Regulatory Status
Snapsurance is not authorised or regulated by the Financial Conduct Authority (FCA).
We do not:
- Arrange insurance contracts
- Act as an insurance broker
- Collect insurance premiums on behalf of insurers
- Provide regulated financial advice
All insurance policies are entered into directly between you and the insurer.
3. Nature of Our Service
We provide:
- Informational guidance
- Price comparison assistance
- Support in finding potential insurance options
Any decision to purchase a policy is made solely by you.
We are not responsible for:
- Policy terms
- Policy exclusions
- Claims outcomes
- Insurer decisions
- Premium increases
4. Payments
Payments made to Snapsurance relate to:
- Advisory services
- Administration services
- Automotive products
- Digital content
Insurance premiums are paid directly to the insurer unless explicitly stated otherwise.
All payments must be made using secure methods provided on our website.
5. Refund Policy
Refunds are subject to our Refund Policy page.
General principles:
- Advisory/service fees are non-refundable once work has been completed.
- Insurance premium refunds must be requested directly from the insurer.
- Physical products may be returned within 14 days under UK Consumer Contracts Regulations unless custom-made.
- Digital products are non-refundable once delivered.
Refund decisions remain at our discretion in line with UK consumer law.
6. Limitation of Liability
To the fullest extent permitted by law, Snapsurance shall not be liable for:
- Financial losses
- Loss of business
- Loss of profits
- Policy disputes
- Insurer claim rejections
- Indirect or consequential damages
Our total liability shall not exceed the amount paid to us for the relevant service.
Nothing in these terms excludes liability for:
- Fraud
- Death or personal injury caused by negligence
- Any liability that cannot be excluded under UK law
7. Customer Responsibilities
You agree that:
- All information you provide is accurate and truthful.
- You are responsible for reviewing policy documents before purchase.
- You understand that we do not provide regulated financial advice.
- You will contact the insurer directly for policy amendments or cancellations.
8. Chargebacks & Payment Disputes
If a payment dispute or chargeback is initiated without first contacting us:
- We reserve the right to provide evidence of services delivered.
- Administrative recovery costs may be added where permitted by law.
- Accounts may be suspended pending investigation.
9. Intellectual Property
All content on this website including text, branding, graphics, and logos is the property of Snapsurance and may not be reproduced without permission.
10. Website Use
You agree not to:
- Use our website for unlawful purposes
- Misrepresent information
- Attempt to interfere with site security
11. Privacy
Your personal data is handled in accordance with our Privacy Policy.
12. Changes to Terms
We reserve the right to update these Terms & Conditions at any time.
Continued use of our services constitutes acceptance of any changes.
13. Governing Law
These Terms & Conditions are governed by the laws of England and Wales.
Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
