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    Last Updated 01/01/2025

    By accessing or using our website or services, you agree to be bound by the following Terms & Conditions. Please read them carefully. If you do not agree to these terms, please do not use our services.

    About Us

    Limitless Cover is a vehicle insurance brokerage that arranges short-term motor insurance policies, including:

    • Temporary Insurance
    • Courier Insurance
    • Impound Release Insurance

    We act as an intermediary between you and the insurance providers we work with. We are not an insurance provider ourselves.

    Your Protection

    We understand the importance of confidence and clarity when purchasing insurance. When using Limitless Cover, you are protected by the following safeguards:

    • FCA RegulationWe only work with insurance providers authorised and regulated by the Financial Conduct Authority (FCA). This ensures that your policy is issued under legal and regulated standards.
    • Policy DocumentationYou will receive full documentation for any policy arranged through our platform. This includes your certificate of insurance, schedule, and key facts summary. It is your responsibility to read these documents carefully.
    • Secure PaymentsAll transactions are processed through secure, encrypted systems. We do not store payment details and use industry-standard PCI-compliant platforms.
    • Right to ComplainIf you're not happy with our service, you can raise a complaint, and we will handle it in line with our internal complaints procedure and the standards required by UK financial regulations.

    We act as an intermediary between you and the insurance providers we work with. We are not an insurance provider ourselves.

    Third-Party Links and Information

    Our website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. You should review the terms and conditions and privacy policies of any third-party websites you visit.

    Information You Provide

    Our website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. You should review the terms and conditions and privacy policies of any third-party websites you visit.

    Intellectual Property

    All content on our website, including text, graphics, logos, images, and software, is the property of Limitless Cover or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on our website without our prior written consent.

    Use of the Website

    By accessing and using the Limitless Cover website, you agree to do so in accordance with all applicable laws, regulations, and the terms set out here. Misuse of our website is strictly prohibited.

    A. Acceptable Use

    You must use this website only for lawful purposes and in a way that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the site. You agree not to:

    • Use the site in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
    • Use the site for the purpose of harming or attempting to harm minors in any way.
    • Send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
    • Transmit or procure the sending of any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
    • Knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

    B. System Security and Access

    You must not attempt to gain unauthorised access to the website, the server on which it is stored, or any server, computer or database connected to the site. You must not:

    • Attack our website via a denial-of-service (DoS) attack or a distributed denial-of-service (DDoS) attack.
    • Probe, scan or test the vulnerability of the website or any network connected to it.
    • Breach or attempt to breach the security or authentication measures of the site.

    C. Account and Password Management

    If you choose, or are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

    We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if we reasonably believe you have failed to comply with any of the provisions of these terms.

    It is your responsibility to ensure that all persons who access our website through your internet connection are aware of these terms and that they comply with them.

    D. Website Content and Availability

    We make every effort to ensure our website is available and functioning correctly. However, we do not guarantee that the site or any content on it will always be available or uninterrupted. We may suspend, withdraw, discontinue or change all or any part of the site without notice

    We also reserve the right to:

    • Modify, update or discontinue parts of the site without prior notice.
    • Remove or disable access to any content for any reason.
    • Terminate or restrict your access to the site at our sole discretion.

    You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

    Your Responsibilities

    When using the services of Limitless Cover, you agree to take full responsibility for ensuring that all information provided is accurate, that you understand your insurance coverage, and that you act in accordance with the law and the terms of your policy. You acknowledge and accept that failure to uphold these responsibilities could lead to invalidation of your policy, refusal of claims, or cancellation of your cover.

    A. Acceptable Use

    You must provide honest, complete, and accurate information when:

    • Requesting a quote
    • Purchasing a policy
    • Updating your details
    • Responding to any queries from us or the insurer

    This includes, but is not limited to:

    • Your name, address, contact details, and date of birth
    • Your driving history (including convictions, claims, or points)
    • Vehicle ownership and usage (personal, business, delivery, etc.)
    • Any modifications to the vehicle
    • The correct level and duration of cover needed

    If you fail to provide truthful and complete information, your policy may be voided, or a claim may be refused.

    B. Reviewing Policy Documents

    Once your policy is issued, it is your responsibility to

    • Read all documents provided (including the Certificate of Motor Insurance, Policy Schedule, and Terms of Insurance)
    • Check that all details are correct and match the information you provided
    • Raise any errors or omissions with us or your insurer immediately

    You must retain a copy of your documents for the duration of the cover and during any relevant claim process.

    C. Legal Compliance

    You are responsible for:

    • Holding a valid UK driving licence appropriate for the vehicle covered
    • Ensuring your vehicle is roadworthy, taxed, and has a valid MOT (if required)
    • Complying with all applicable laws and regulations, including the Road Traffic Act 1988
    • Notifying the DVLA of any changes to your health or driving eligibility that may affect your licence

    D. Use of the Insurance Policy

    You agree to use the policy only in the manner agreed and specified. For example

    • If your policy is for temporary or impound insurance, you must not use it beyond its limited time or for unintended purposes.
    • If your cover is for delivery or courier services, you must not use it for private hire or other commercial uses unless explicitly stated.

    Using your insurance policy outside the terms agreed may result in your cover being cancelled or any claims being rejected.

    E. Claims and Incident Reporting

    In the event of an accident, incident, or claim, you must:

    • Notify your insurer immediately or within the time limit specified in your policy
    • Provide full and truthful details of what occurred
    • Cooperate with any investigation, including supplying requested documentation or statements

    Failure to follow the insurer’s claims procedure may result in a claim being delayed, partially paid, or rejected.

    F. Changes in Circumstances

    You must inform us or your insurer of any change in circumstances that may affect your policy or cover. This includes:

    • Change of address
    • Change in occupation or use of the vehicle
    • Change to your driving licence or health
    • Any pending motoring convictions or claims

    Not updating this information promptly may affect your eligibility or the validity of your cover.

    Our Role & Liability

    Limitless Cover operates as an intermediary. We do not underwrite insurance policies.

    • The rejection of an application by the insurer.
    • Policy exclusions or conditions set by insurers.
    • Losses or damages resulting from incorrect user data.
    • Temporary unavailability of our site or services.

    We do not exclude or limit our liability where it would be unlawful to do so, including for death or personal injury caused by our negligence or fraud.

    Cancellations & Refunds

    The policy has not yet started, and

    • The policy has not yet started, and
    • The insurer's cancellation terms permit it.

    Please refer to your policy wording for specific cancellation rights and fees.

    Complaints

    We are committed to delivering a high standard of service. If you are dissatisfied, please contact us:<br/>Email: support@limitlesscover.co.uk<br/>Phone: [contact number]<br/>Address: [office address]

    • Acknowledge complaints within 5 working days.
    • Resolve complaints within 14 days.

    Please refer to your policy wording for specific cancellation rights and fees.

    Data Protection & Privacy

    We take data protection seriously. Our Privacy Policy explains how we collect, use, and store your personal data. By using our services, you consent to this data processing in accordance with the UK General Data Protection Regulation (GDPR) and related laws.

    Changes to These Terms

    We take data protection seriously. Our Privacy Policy explains how we collect, use, and store your personal data. By using our services, you consent to this data processing in accordance with the UK General Data Protection Regulation (GDPR) and related laws.

    Governing Law

    We take data protection seriously. Our Privacy Policy explains how we collect, use, and store your personal data. By using our services, you consent to this data processing in accordance with the UK General Data Protection Regulation (GDPR) and related laws.