Terms and Conditions
Last updated: 10 May 2026
Welcome to Top Insurance. These Terms and Conditions (“Terms”) govern your use of our website (https://topinsuranceuk.com) and services. In brief, Top Insurance is a UK-based insurance quote search and lead-generation service — we are not an insurer. We help you find and compare quotes from partner insurance providers. By using our site or services, you agree to these Terms. If you do not agree, please do not use our services.
Definitions
- “Top Insurance”, “we”, “us”, or “our”
- refers to Top Insurance Ltd, Suite - 235, Jhumat House, 160 London Road, Barking IG118BB (Opposite to TESCO EXTRA, Barking), United Kingdom.
- “You” or “your”
- means any user of our website and services.
- “Services”
- means our online insurance quote search and lead-generation services, including any tools for comparing insurance quotes from third-party insurers or brokers.
- “Partner Insurers/Third Parties”
- means the UK insurance companies, brokers, and comparison platforms (for example, Confused.com and others) that we share your information with to obtain quotes.
- “Personal Information” or “Personal Data”
- means any information that identifies you personally (e.g. name, address, contact details, vehicle information).
- “Cookies”
- are small data files placed on your device to improve site functionality (see our Cookie Policy).
- “UK GDPR”
- refers to the UK General Data Protection Regulation and related data protection laws (including the UK Data Protection Act).
Eligibility
By using our Services, you represent and warrant that:
- You are at least 18 years old, or at least the legal age of majority in your country.
- You are a resident of the UK or otherwise eligible for UK insurance.
- You have the legal capacity to enter into contracts.
- You will use the Services only as permitted by law and these Terms.
Description of Services
Top Insurance provides a free online service that searches for and compares insurance quotes on behalf of users. We gather information you provide (like contact details and vehicle or insurance info) via our online forms and use it to find quotes from various UK insurers and brokers. We do not underwrite insurance or act as an insurer ourselves; our role is to connect you with insurers.
- The service is intended for UK customers seeking car, van, bike, or other vehicle insurance quotes. We may also provide quotes for other types of insurance as offered by our partners.
- We do not guarantee any specific quotes or savings; actual insurance products, pricing, and availability depend on the insurers.
- You are not obligated to buy anything. We do not charge you any fee for using our quote comparison service. If you choose to purchase an insurance policy, you pay the insurer directly under their terms.
Your Information and Obligations
Accurate Information: You agree to provide true, accurate, and complete information in our forms. You are responsible for the data you submit (name, address, contact, vehicle details, etc.). We are not liable for any consequences of incorrect or incomplete information.
Use of Service: You may use our Services only for lawful purposes. You must not use the site or services in any way that violates applicable law or infringes others’ rights.
Account Registration: No account or registration is required for most quote searches. If you do register an account with us, you are responsible for keeping your login details secure and confidential.
Fees and Payments: We do not charge for using our quote service. However, any insurance policy you purchase (if you do) is a separate agreement between you and the insurance company. Any payment terms, premiums or refunds are handled by that insurer under their own policy terms.
Third-Party Partners: Our service may redirect you to third-party insurers, brokers, or comparison websites. Those sites may have their own terms, fees, and privacy policies. We encourage you to read any terms on those sites before proceeding. Top Insurance is not responsible for the content, services, or policies of third-party websites.
Links to Third-Party Sites
Our website may contain links or references to third-party websites (like insurance companies or comparison platforms). We provide these links for convenience. We are not responsible or liable for the content or practices of those third parties. Linking to a third-party site does not imply endorsement. If you click a link to an insurer or comparison site, their own terms and privacy policies apply to your use of that site.
Privacy, Data Collection and Use
Your privacy is important to us. In order to provide our Services, we collect certain personal data from you:
Data We Collect: When you use our quote forms, we collect information such as your name, address, email, phone number, and insurance-related details (e.g. vehicle make/model, driving history). We may also collect technical data via cookies (see below). We do not collect sensitive data (like health or financial details) unless you voluntarily provide it in an insurance quote form.
How We Use Your Data: We use your information to find and provide you with insurance quotes. This means we will share your data with selected partner insurers or brokers so they can generate quotes for you. We do not use your data for any unrelated purposes. In line with ICO guidance, we always inform you if we share data and notify you of your rights. We will never sell your personal information to unrelated third parties for marketing.
Marketing Communications: If you sign up or opt in for updates, we may send you marketing emails about insurance offers or related services. You can opt out at any time (see “Your Privacy Rights” below). We will not spam you or share your email for other marketing without consent.
Cookies and Analytics: We use cookies and similar tracking technologies to improve our site and services. This includes essential cookies (required for site operation) and non-essential cookies (like Google Analytics and Meta Pixel) to analyse site usage and help deliver relevant insurance offers. Using our site implies consent to our Cookie Policy. If needed, you can adjust cookie settings in your browser. For details, see our Cookie Policy page.
Data Security: We implement industry-standard technical and organizational measures to protect your data (such as encrypted connections, secure servers, access controls). No system is 100% secure, but we strive to follow ICO guidance on data security.
Data Retention: We will keep your personal data for as long as necessary to provide our Services — that is, until our assistance is complete or you are no longer working with us. In practice, we retain data until you request deletion or the matter is fully resolved (for example, you obtain a quote or decide not to proceed). We will delete or anonymize your personal data if you request it or when it is no longer needed.
Your details are used solely to obtain quotes on your behalf: you submit your information to Top Insurance, we share what’s relevant with partner insurers so they can return quotes, and we store your data securely in the meantime. You can ask us to correct or delete it at any point, in line with GDPR principles — your data is used only to obtain quotes, and deleted on request or once our service is complete.
Your Privacy Rights (UK GDPR)
Under UK GDPR, you have specific rights over your personal data. Below is a summary of your key rights and how to exercise them. Top Insurance is committed to transparency in line with ICO guidance.
| Your Right | What It Means | How to Exercise |
|---|---|---|
| Access | Get a copy of the personal data we hold about you | Email us at contact@topinsuranceuk.com to request a copy. |
| Correction (Rectification) | Correct any inaccurate or incomplete data we have | Email us at contact@topinsuranceuk.com explaining corrections. |
| Erasure (Right to be Forgotten) | Have us delete your personal data | Email us at contact@topinsuranceuk.com requesting deletion. |
| Data Portability | Receive your data in a common, machine-readable format | Email us at contact@topinsuranceuk.com (for data we hold with your consent). |
| Object to Processing | Object to certain uses, such as direct marketing or profiling | Contact contact@topinsuranceuk.com to opt out of marketing or profiling. |
| Withdraw Consent | If applicable, you can withdraw consent for data use (e.g. cookies, marketing) | Adjust your cookie settings or email contact@topinsuranceuk.com to withdraw consent. |
| Complain to ICO | Lodge a complaint with the UK Information Commissioner’s Office | Visit the ICO website or email ico@ico.org.uk if dissatisfied. |
We will handle all requests promptly, in accordance with UK GDPR. See our Privacy Policy for more details.
Disclaimers and Limitation of Liability
No Warranties: Our website and services are provided “as is” without warranties of any kind. Top Insurance makes no guarantee regarding the accuracy, completeness, or reliability of information or quotes. Insurance offers depend on many factors, and actual quotes may differ.
Not Insurance Advice: We are not licensed financial or insurance advisors. Any information is for general comparison purposes only and does not replace professional advice. You should read the insurer’s terms before purchasing.
Third-Party Content: We are not liable for errors or omissions on third-party websites or materials. If you rely on information from an insurer’s site, that is at your own risk.
Limitation of Liability: To the fullest extent permitted by law, Top Insurance (and its affiliates) are not liable for any indirect, incidental, special, or consequential losses arising out of your use of our site or services. Our total liability to you for any claim related to these Terms is limited to £100.
No Guarantees: We do not guarantee you will obtain insurance, a particular price, or the cheapest quote. Results vary based on the data you provide and insurer criteria.
Indemnity
You agree to indemnify, defend, and hold harmless Top Insurance and its officers, directors, and employees from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these Terms or your misuse of the site or services.
Termination
We may suspend or terminate your access to our services at any time, with or without cause or notice. We may also remove or refuse to post any content or user submissions for any reason. If you breach any of these Terms, we may ban you from future use.
You can stop using our services at any time. You may also request deletion of your data as outlined above, upon which we will cease processing and hold your data.
Changes to Terms
We may update these Terms occasionally (for example, when laws change or we add features). We will revise the “Last Updated” date at the top. Your continued use of our site after changes means you accept the new Terms. Please check this page regularly.
Governing Law and Dispute Resolution
These Terms are governed by the laws of England and Wales. Any disputes arising in connection with these Terms or our services will be subject to the exclusive jurisdiction of the courts of England and Wales.
Before pursuing legal action, we encourage contacting us to seek an amicable resolution.
Contact Information
If you have any questions about these Terms, or to exercise any rights under these Terms (including data access or deletion), please contact:
Top Insurance
Suite - 235
Jhumat House
160 London Road
Barking IG118BB (Opposite to TESCO EXTRA, Barking)
United Kingdom
Email: contact@topinsuranceuk.com
Phone: 020 8051 5824
We strive to respond to all inquiries promptly. For data-related issues, we aim to respond within one month, as required by UK GDPR.