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  1. Cover required
  2. Your quotes
  3. Application
  4. Confirmation

Your cover


Level – This type of policy will pay out a lump sum in the event of death or critical illness (if added to your policy). The benefit amount is fixed so will not decrease during the policy term.

Decreasing – The benefit amount decreases over time. Many people use this option to cover a repayment mortgage.

When choosing how much cover you need you may want to consider the amount of your outstanding debts, such as your outstanding mortgage balance and other financial commitments, and how much you want to leave your loved ones to help maintain their lifestyle.

Critical illness cover provides you with a lump sum if you were to be diagnosed with a defined critical illness; such as cancer, stroke or heart attack.
When selecting the length of cover you may want to consider when your mortgage will be paid off, or when your dependents and loved ones will be self-sufficient.

About you

 

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Insurers need your date of birth in order to provide you with an accurate quote.

Whether you smoke or not may affect the cost of your life insurance policy. Smoking includes all tobacco and nicotine products such as cigarettes, cigars, chewing tobacco, pipes and nicotine replacement products such as e-cigarettes or ‘vapers’.

It is important to answer this question accurately as it may affect your cover if you need to make a claim.


You can choose to cover just yourself or both you and your partner, which is known as 'joint life cover'. It is worth noting that if you choose joint life cover most life insurance policies pay out on the first bereavement only.

Your contact details

Please provide your email address

We’ll send you a welcome email containing your PIN number which you’ll need to enter in order to retrieve your quotes.

When you buy a policy, your documentation may be sent by email, so it’s important to provide a valid email address.

We will not send you unsolicited email and we will not pass your information to third parties other than your chosen insurer.

Your phone number will only be passed to third parties involved in the processing of your application. If you purchase a policy the insurer will contact you directly should they require any further information from you.

By continuing you agree that you have read and that you accept the ActiveQuote Terms and Conditions and Privacy Policy.

Terms & Conditions

IMPORTANT LEGAL NOTICE

ATTENTION: This legal notice applies to the entire contents of the Website under the domain name, www.uswitch.com/life-insurance/ (Website) and to any correspondence by e-mail between us and you. Please read these terms carefully before using the Website. Using the Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not accept these terms, please do not use the Website. This notice is issued by ActiveQuote Ltd. (Company) which operates this website on behalf of uSwitchLtd. Additional terms and conditions will apply to the products and services offered on this Site which will be drawn to your attention as necessary.

1. INTRODUCTION

1.1 The Site is operated on behalf of uSwitch Ltd by ActiveQuote Ltd., whose registered office is at Global Reach, Dunleavy Drive, Cardiff, CF11 0SN. E-mail: enquiry@activequote.com. Registered in England & Wales no: 6765845,
1.2 You may access most areas of the Website without registering your details with us. Certain areas of the Website are only open to you if you register.
1.3 The Company may revise this legal notice at any time by updating this posting.  Any new version of the terms and conditions will be brought to your attention the next time you sign into the site.  You will be invited to accept the new terms and conditions.  Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at the Website.

2. SERVICES

2.1 ActiveQuote Ltd and uSwitch Ltd are authorised and regulated by the Financial Services Authority. The Financial Services Authority website, which includes a register of all regulated firms, can be visited at www.fsa.gov.uk/register, or can be contacted on 08456 061 234.  The FSA registration number for ActiveQuote Ltd is 501109 and for uSwitch Ltd is 312850.
2.2 Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Information can be obtained by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.
2.3 Information about the product you choose, such as the minimum term, the existence or absence of a right to cancel, and any early termination rights and penalties, will be provided in the relevant product disclosure information. This will be supplied to you before you conclude any contract.
2.4 This website is designed to provide you with information to help choose a private healthcare plan that suits your needs.  We do not provide any advice whatsoever, we provide you only with factual information.  Nothing within the Website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service
2.5 As we cannot be held responsible for advice we have not given, you should be aware that your right to redress if the plan you choose turns out to be unsuitable for any reason will be limited.
2.6 If you wish to have advice from us, this can be arranged.  You can speak to a qualified advisor by telephoning us on 0800 862 0360. We will endeavour to contact you by telephone to speak to you once to offer the advice of a qualified advisor. When we reach you, you are at liberty to request that no further contact be made by telephone and we will mark your record to ensure that your wishes are strictly observed.
2.7 You will not be charged for the use of this website, we receive payment from the insurer with whom you place you business. 
2.8 You agree that you may communicate with us, and we may communicate with you, via telephone (mobile or otherwise including SMS), post, email or fax. For these purposes, our contact details are as follows.
 
By Writing: ActiveQuote Ltd, Global Reach, Dunleavy Drive, Cardiff, CF11 0SN  
By Telephone: 0800 862 0360
By Fax: 029 2009 0195
By Email: enquiry@activequote.com
 
2.9 Any products purchased through this website will not be kept under review, however, we can arrange reviews if you instruct us to do so.
 
2.10 We maintain Professional Indemnity Insurance with regard to any advice provided to you by the Company in respect of any of the products intermediated by the Company.
 
2.11 We do not hold money on behalf of clients.
 
2.12 It is your responsibility to provide complete and accurate information to us, or any provider, at every stage of the relationship. It is important that you ensure all statements that you make to us or any provider or lender, are true and accurate and that you fully disclose all material information when requested to do so.
 
2.13 Nothing in these terms or conditions excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules developed pursuant to FSMA.

3. COMPLAINTS

3.1 Our aim is at all times to provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact our Customer Services Team at the address above, by telephone on 029 2009 9218 or by email at compliance@activequote.com
3.2 We will acknowledge receipt of your complaint, in writing, within 5 business days and we will inform you of the name or job title of the individual handling the complaint (together with details of our internal complaint handling procedures). When we provide a final response we will inform you of your right to refer the complaint to the Financial Ombudsman Service should you not be satisfied with the final response, and that you must do so within six months. We will enclose a copy of the Financial Ombudsman Services explanatory leaflet when we send the final response.
3.3 If we are unable to resolve your complaint through our internal complaints procedure, you may be able to refer it to The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; Telephone: 0845 080 1800; Email: enquiries@financial-ombudsman.org.uk; Website www.financial-ombudsman.org.uk.

4. LICENCE

4.1 You are permitted to print and download extracts from the Website [for your own use] on the following basis:
(a) no documents or related graphics on the Website are modified in any way;
(b) no graphics on the Website are used separately from the corresponding text; and
(c) the Company's copyright and trade mark notices and this permission notice appear in all copies.
4.2 Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of this legal notice, any use of extracts from the Website other than in accordance with clause 4.1 for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.
4.3 Subject to clause 4.1, no part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Company's prior written permission.
4.4 Any rights not expressly granted in these terms are reserved.
 

5. SERVICE ACCESS

5.1 While the Company endeavours to ensure that the Website is normally available 24 hours a day, the Company shall not be liable if for any reason the Website is unavailable at any time or for any period.
5.2 Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond the Company's control.

6. VISITOR MATERIAL AND CONDUCT

6.1 You are prohibited from posting or transmitting to or from the Website any material:
(a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or
(b) for which you have not obtained all necessary licences and/or approvals; or
(c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or
(d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).
6.2 You may not misuse the Website (including, without limitation, by hacking).
6.3  The Company shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of clause 6.1 or clause 6.2.

7. LINKS TO AND FROM OTHER WEBSITES

7.1 Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. The Company has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.

8. REGISTRATION

8.1 Each registration is for a single user only. The Company does not permit you to share your user name and password with any other person nor with multiple users on a network.
8.2 Responsibility for the security of any passwords issued rests with you. When you register we will email you a six digit PIN with which you will be able to sign in once within the following seven days.  When you sign in using your PIN you will be asked to choose a password.  We set a minimum strength requirement upon your choice of password but otherwise you can make the password as strong as you wish.

9. DISCLAIMER

9.1 The Company may make changes to the material on the Website, or to the products and prices described in it, at any time without notice.
9.2 The material on the Website is provided "as is", without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, the Company provides you with the Website on the basis that the Company excludes all representations, warranties, conditions and other terms (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill or implied terms which, but for this legal notice, might have effect in relation to the Website.
9.3 We do our best to ensure that all the information on this site is accurate.  The information is provided to us by third parties and we review the information frequently.  Every transaction is checked after completion and in the event that any error is found you will be notified immediately and we will them offer you the opportunity to cancel your purchase.

10. LIABILITY

10.1 The Company, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company's group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort, including without limitation negligence, contract or otherwise in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any material from the Website or any websites linked to the Website.
10.2 Nothing in this legal notice shall exclude or limit the Company's liability for:
(a) death or personal injury caused by negligence [(as such term is defined by the Unfair Contract Terms Act 1977; or
(b) fraud; or
(c) misrepresentation as to a fundamental matter; or
(d) any liability which cannot be excluded or limited under applicable law.
10.3 If your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

11. GOVERNING LAW AND JURISDICTION

This legal notice shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts.

Please ensure that you have read and understood these terms and conditions before you accept them.  Please contact us if there is anything in these terms and conditions that you do not understand.

   

Privacy Policy

Protecting your Personal Information

The Site is operated by ActiveQuote Ltd. Further details of ActiveQuote Ltd are set out in our Web terms of use. In this privacy statement, "our", "we" and "us" refer to ActiveQuote Ltd..

By submitting any information about you and other people to this website, you and they consent to its use as set out in this Privacy Policy. Please therefore take the time to read the Privacy Policy carefully.

Your "personal information" means any information that you have given to us, or third parties, in connection with a service or product offered whether through use of this web site, by phone or in writing.

We only ask for your personal information on pages which are secured using the industry standard Secure Sockets Layer (SSL) technology which encrypts all the data that you type in before transmitting across the Internet to us. Confirmation of this is provided in your web browser by the presence of a padlock symbol, the location of which varies depending on which browser you have. We store your information in a secure location which can only be accessed by authorised personnel and we never copy information onto portable media such as CD-ROMs, DVDs, floppy disks, flash cards etc. Your password is stored in a non-reversible format so that no one will ever see your password, including our own staff. We never send passwords in e-mails, instead we provide a method for you to securely change your password yourself in the event that you forget your password. If you provide us with any payment information this is stored in encrypted format and erased from our database as soon as it has been used for the purpose for which you provided it.

We may make changes to this privacy statement from time to time. Such changes will be effective from the time they appear on the Site. Therefore, you should remember to check this privacy statement from time to time.

How we use your information and who we share it with

Your privacy is important to us. We will use your information to manage and facilitate your use of our services, your relationship with us, statistical analysis, staff training and system testing.

This may include disclosing your information to the insurers listed on this site.

All personal information supplied by you will be treated in confidence by us and will not be disclosed to any third parties except where your consent has been received or where required by a government or law enforcement agency. In order to provide you with products and services this information will be held in our data systems or the data systems of the insurers listed on this site.

We will not transfer your information to other countries. We will only pass on your information to the insurers listed on this site. You should consult those insurers privacy policy before entering into a contract of insurance.

Use of your Personal Information

When you buy a product or service through us, you will have a policy document relating to that product or service. If there is any conflict between the terms of this privacy statement and those of the specific privacy statement that applies to a particular product, then the terms of the latter will prevail.

This document should be shown to anyone else who is covered by, or a party to, any services or policies you buy from us.

Collection of Information

We collect information strictly in accordance with the Data Protection Act. When we collect personal information directly from you, if you ask for a quote or purchase a product or service from us we will do our best to ensure that information is kept up to date and accurate. Please assist us in this by advising us of any changes as soon as possible.

On the “My Account” page of our website there are links that allow you to view the key information that we hold about you and allow you to update it.

Disclosure of your information to a third party will only be made where it is necessary for the performance of an agreement we have with you and

  • You have given your consent to the disclosure; ·
  • Such disclosure is required by law; ·
  • We are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase; ·
  • Any such third party provides benefits or services to you under or in connection with our agreement with you; or ·
  • It is a credit reference or fraud prevention agency.

Enhancements in technology may result in changes in the way we view, record and use your personal information. If we think the changes could be to your disadvantage, we will advise you, by email and by posting a notice of amendment on the Site, at least 30 days before the changes become effective. If you then continue to use a service or product for a further 60 days we will assume you have consented to the changes.

Use of Personal Information for Information and Marketing Purposes

We will keep you informed by e-mail about products or services that you have purchased. We may also occasionally send you e-mail information with news or about other products and services that we believe could be of use to you. In these e-mails we will include a clear and easy method for you to opt out of receiving similar e-mails in the future.

 Sensitive Personal Information

To provide you with some of our products or services, we may need to collect and process sensitive personal information about your health and about the health of the other persons you have requested to be a party to the service or product. We will only use sensitive personal data for the specific purpose for which you provide it. Please ensure that you only provide us with sensitive information about other people with their express agreement.

Cookies

A cookie is a piece of information stored on the hard drive of a computer by a web server to enhance and simplify a website user's experience by identifying a user if he or she has previously accessed that website. Cookies are commonly used on the Internet and cannot harm a user's computer system. You can find out more about the way cookies work on http://en.wikipedia.org/wiki/HTTP_cookie.

The cookies used on the Site do not include any information that others could read and understand about you such as your name or any account or policy number. They contain no personal information about you.

You may set your browser to decline cookies however this site will not work if you do so.

Further Information

You should be aware that any telephone calls made to us may be recorded for monitoring and training purposes and to assist us in preventing and detecting fraud. Therefore, your use of this means of communication means that you accept and consent to this. You are entitled to request a copy of the personal information we hold about you for a fee of £10. If so, please contact the Data Protection Officer :

By Telephone   029 2009 0270
By Email  
By Post   The Data Protection Officer
ActiveQuote Ltd
Global Reach
Dunleavy Drive
Cardiff
CF11 0SN
This site is operated by Insurance Broker ActiveQuote Ltd registered in England & Wales company number 6765845.
Authorised and Regulated by the Financial Conduct Authority (FCA). Firm reference number 501109 as detailed on the Financial Services Register. Please read our Key Facts document.
For information about your rights as a consumer visit Citizens Advice consumer service or Citizens Advice.

Our insurance comparison service is free and easy for you to use, but you are responsible for making sure all your information is entered correctly, and for choosing your insurer.