Refused Car Insurance?

  • Problems with getting a quote?
  • Turned down by an insurer?
  • Not sure how to proceed?

angry drivers

Our Terms And Conditions

It is important that you read this section and pay particular attention to its contents, since it governs the terms and conditions under which you have permission to access the site.

Purposes of our site

This site is designed to provide information only. It does not provide advice of any description. You are strongly advised to seek proper qualified and independent advice before entering into any financial commitments. By using our website you accept that we will have no responsibilities towards you or any other third party whatsoever as a result of your purchasing an insurance policy or entering into any other commitments or agreements.

Ownership of this site

This site is owned and managed by Prudent Plus Limited, Booths Park, Chelford Rd, Knutsford WA16 8GS United Kingdom, to whom any enquiries should be directed. Since we are a UK based businesses any serious disputes that you may have with us, which can only be settled by legal action, must ultimately come under the jurisdiction of the courts of the United Kingdom, and no others whatsoever.

Our copyright

The information on this site belongs to David Allan Associates and no other person or entity. Whilst you may have permission to download a copy of the site to your own computer for your own purposes, you must not pass on any copy to any other person whether by electronic or other means, or reproduce any of our copy or images for any other purpose whatsoever, including, but not limited to, their use on another website.

Usage of this site

This site is designed for persons or businesses which are looking for products or services to buy. Using this site in order to extract data or make price comparisons for purposes other than personal purchase is expressly prohibited.

You must not use this website, or any of the content of this website, to threaten, abuse, or harm any other person in any way whatsoever.

Submitting information to this site

If you submit information to this website it will be assumed that you are aware that this information will be passed on to third parties in order to help them to provide you with the services or products that you are looking for. You expressly give us permission to provide these websites with this information.

Whilst we make every reasonable effort to ensure that the third parties that we deal with are ethical persons or companies that will deal with you fairly and respect your privacy, it is your responsibility to ensure that this is the case. You should, as a general rule, only deal with persons or companies that are regulated and approved by the Financial Conduct Authority.

Accuracy of information

We make reasonable steps to ensure that any information that we publish on this site is not only completely accurate but also up-to-date. However, things move very quickly sometimes and it is always possible that changes in legislation, prices, business methods etc can render this information out of date. We cannot be held responsible in any way whatsoever for any losses that you or any other third party may incur as a result of receiving incorrect or out of date information from this site.

Malicious attachments

We use industry standard security systems to protect our websites and prevent malicious persons from placing viruses or other harmful programs on them. However, we have to rely on software developers, including those who create these security systems, to keep their products up-to-date in an ever changing Internet environment. We can therefore have no responsibility whatsoever for any losses or damages that you may experience as a result of downloading a malicious attachment from our website.

You should always keep the security and anti-viral software on your own computer up to date, and it is your own responsibility to protect yourself in this way.

Data that we hold about you

We do not store any data whatsoever about visitors to our website, unless they actually contact us. In this case we would store copies of their communications on computers or servers which are protected by normally acceptable security systems. We can not, however, accept any responsibility whatsoever for any consequences which may arise as a result of an unauthorised person or entity gaining access to this data. If you are concerned that any communications you have sent to us is of a particularly sensitive nature, please ask us to delete it from our systems and we will do so as soon as is practicable. This will not apply to data that you have provided to other websites that we link to. These are separate entities entirely, and you should ensure that you are satisfied that the owners of these websites have adequate security systems in place to protect your data.

Website relevance

This site is designed to be used by residents of the United Kingdom only. The data which we provide is designed to be relevant only within the United Kingdom and it is not applicable to any other country at all. Persons who reside outside the United Kingdom should take no account whatsoever of the contents of this website, and we accept no responsibility whatsoever for any consequences of their doing so.

Third-party usage

If you pass any information onto a third-party that you have taken from this website (which is a breach of our terms and conditions, as detailed above) and that third-party suffers a loss as a consequence, you agree to indemnify us in full for any consequences that may affect us.


These terms and conditions are designed to be either accepted, or rejected, in their entirety. If you do not agree with, or accept, any of these terms and conditions, your permission to access our website is revoked and you should leave immediately.

Limit of exclusion

Nothing in this disclaimer will limit the rights that you enjoy under the various laws of contract which exist in the United Kingdom.