Terms and conditions

These terms apply whenever you use mybusinesscomparison.com. By using the website you accept them. If you do not accept them, please do not use the website.

"We", "us" and "our" mean PM Business Marketing Ltd, trading as MyBusinessComparison.com (Company No 12947191), registered office 27 Old Gloucester Street, London, WC1N 3AX.

"Our partner" means MyMoneyComparison.com, a comparison service that gives businesses a gateway to specialist insurance brokers. It is authorised and regulated by the Financial Conduct Authority (FRN 916241). A "broker" is an insurance broker your business may be matched with, and an "insurer" is the company that provides the policy.

Our privacy policy and cookie policy also apply to your use of the website.

The website explains business insurance for established UK firms: liability, property, construction, fleet and transport cover, and cover packaged for particular industries and trades. Each guide sets out what a type of cover is for, what insurers usually ask and what to check.

• We do not provide quotes, compare prices, sell or arrange insurance, or handle claims.
• We do not decide how your business is matched, which broker contacts you, or whether cover is offered.
• Nothing on the website is advice or a personal recommendation. Whether a policy suits your business is a question for a broker.
• When you choose a quote button you leave this website for MyMoneyComparison.com. Its own terms and privacy policy apply from that point.

We aim to keep every guide accurate, but cover, insurer requirements and guidance change. Where an insurer, broker or official body sets a requirement, its current version takes priority over anything we have written.

The website is free to use. MyBusinessComparison.com is an affiliate of MyMoneyComparison.com. If you follow one of our links, are matched with a broker and speak to that broker, MyMoneyComparison.com may pay us a commission.

The commission does not change the premium your business pays, and no insurer or broker pays us to feature them. The compliance page explains this in more detail.

Quotes, policies and any contract are between your business and the broker or insurer. It is worth reading their documents in full before you agree to anything.

• Commercial insurers expect a fair presentation of the risk. Answers about turnover, wage roll, premises, sites, vehicles, contracts, claims history and the work your business does need to be complete and accurate.
• Wrong or missing information can lead to a claim being reduced or refused, a higher premium, or a policy being cancelled.
• Tell the broker or insurer when something material changes during the policy, such as new premises, new activities, a large contract or a change in the number of staff or vehicles.
• Check policy documents as soon as they arrive, including limits, excesses, conditions and endorsements, and report any mistake straight away.
• If you give a broker or insurer information about other people, such as directors, employees or named drivers, make sure you are entitled to share it.

• You may view, print and save pages for your own business use, as long as you do not change them and keep any notices in place.
• The words, design, graphics and photographs on the website belong to us or our licensors. Please do not copy, republish, sell or use them to train software without our written permission.
• You may link to a page if you do so fairly, link to the page rather than copying it, and do not suggest that we endorse your business. We can ask for a link to be removed at any time.
• Do not use the website in a way that is unlawful, misleading or harmful, try to gain unauthorised access to it, scrape it at volume, or introduce viruses or other harmful code.
• Anything other than personal information that you send us, such as a correction, can be used to improve the website.

We aim to keep the website available and working, but cannot promise it will always be uninterrupted or free of errors. We may change, suspend or withdraw any part of it without notice.

We do not control the websites we link to, including MyMoneyComparison.com, insurers, official bodies and our sister sites, and we are not responsible for their content, products, services or privacy practices.

You can check whether a broker or insurer is authorised on the FCA Financial Services Register (opens in a new tab).

The information on the website is general and is not tailored to your business. We do not promise that it is complete, accurate or up to date. To the extent the law allows, we are not liable for loss arising from:

• relying on information on the website instead of advice from a broker
• incorrect or incomplete information given to a broker or insurer
• anything a broker, insurer, MyMoneyComparison.com or any other third party does or does not do
• the website being unavailable, or viruses or harmful material from it or any linked website

We are not liable for any indirect or consequential loss, or for loss of profit, revenue, contracts, business or goodwill.

Nothing in these terms limits our liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited under the law of England and Wales.

The website is written for businesses based in the United Kingdom and the people who arrange insurance for them, such as owners, directors, finance managers and operations managers. Nothing on it is an offer to anyone outside the UK.

If you are unhappy with the website or with us, email info@mybusinesscomparison.com or use our contact page, saying what happened and how you would like it put right.

Complaints about a quote, policy, claim or how a broker or insurer has treated your business go to that broker or insurer, which has its own complaints process. Complaints about the MyMoneyComparison.com service go to MyMoneyComparison.com. The compliance page sets out the full route.

We may update these terms. The version on this page when you use the website is the one that applies, and the date at the top shows when it last changed.

If any part of these terms cannot be enforced, the rest still applies. These terms are governed by the law of England and Wales, and the courts of England and Wales deal with any dispute. A business based in Scotland or Northern Ireland can also bring proceedings in its local courts.