These Caura Insurance terms and conditions (“Service Terms”) set out the rules which cover our relationship with you if you use Caura Insurance (“the Service”).
You have downloaded the Caura for iOS or Android app (“the App”), and by doing so accepted the Caura Services as detailed in the Caura Terms along with Caura’s Privacy Policy.
These Service Terms explain our responsibilities and yours, and how you can use the Service. These are legally binding and apply to you if you have accessed the Service via the App, so please read them. You may also want to print/save them in case you ever want to come back to them in the future
If these Service Terms are inconsistent with our main Caura Terms, then these Service Terms will apply in relation to your use of the Service. You should read these Service Terms along with our Caura Privacy Policy which explains how we use your personal information.
We are Caura Ltd (also referred to as "we", "our" and "Caura"). We are registered in England and Wales under company number 11520538 and have our registered office at 1 Horse Guards Avenue, London, England, SW1A 2HU.
Caura is authorised and regulated by the Financial Conduct Authority (“FCA”) under registration 923662.
If you have any questions relating to these Service Terms, if you are having any trouble with the Service or if you wish to make a complaint, please contact us by email or telephone using the details below:
Email: support@caura.com
Telephone: +44 (0) 7701 410185.
Caura Insurance is a service provided to you by Caura in partnership with MONY Group Plc (trading as Moneysupermarket) to allow customers to compare car insurance policies from a large panel of insurers.
Caura acts as an introducer to Moneysupermarket for the purposes of providing you with these insurance-related services. To provide insurance quotes to you, any data we collect from you will be shared with Moneysupermarket for the purposes of providing you with insurance quotes, Moneysupermarket shares this data with the insurers in their panel for the same purposes.
By using this service provided through the App, you acknowledge that you have read, understood, and agree to abide by these Service Terms and Moneysupermarket’s Terms.
You acknowledge and agree that Caura is not responsible for any issues, disputes, or liabilities arising from your use of the Comparison Service. Caura is only responsible for issues relating to the service provided in-app.
You are solely responsible for providing accurate and up-to-date information while using the service to receive insurance quotes and manage your policy.
Caura cannot guarantee any populated information about your policy end date, number, or provider is correct and it is your responsibility to review this. We do not guarantee the accuracy, completeness, or availability of insurance quotes provided through the service. We are not responsible for any discrepancies in pricing or coverage.
Caura does not endorse any specific insurer or policy. You are responsible for conducting your own research and due diligence before purchasing a policy.
If you cancel your insurance or amend your policy, you are responsible for updating this information in Caura. Caura bears no responsibility for this information becoming inaccurate if you have not informed us of changes to your insurance.
If you do not agree to these Terms you should refrain from using the Service.
If you have a reason to make a complaint you can contact us and we follow the process below
These service standards do not apply where we have been able to resolve your complaint by close of business on the business day following its receipt.
A compliant is defined by the Financial Conduct Authority as “any oral or written expression of dissatisfaction, whether justified or not, from, or on behalf of, a person about the provision of, or failure to provide, a financial service or a redress determination, which alleges that the complainant has suffered (or may suffer) financial loss, material distress or material inconvenience; and relates to an activity of that respondent, or of any other respondent with whom that respondent has some connection in marketing or providing financial services or products, which comes under the jurisdiction of the Financial Ombudsman Service.”
We undertake to treat all complainants equally and fairly regardless of whether or not they are entitled to refer to the FOS.
If we can complete our investigation of your complaint and provide a final response within five business days of receipt of your complaint, we will include our findings in our acknowledgment letter.
First, get in touch, as soon as possible, we want to hear from you and you can contact us by any method below:
In App: Chat with us through the in-app messenger
Email: insurance@caura.com
Telephone: +44 (0) 7701 410185
Post: 1 Horse Guards Avenue, London, SW1A 2HU
Depending on how you’ve notified us of your complaint we will contact you to acknowledge receipt of your complaint within five days (we’ll try our best to achieve immediate acknowledgement) and will investigate your complaint, keep you updated, and share with you our findings and outcome.
We will start investigating your complaint the moment we receive it and will aim to resolve it as soon as possible thereafter, but usually within 4-6 weeks. However, if we’re going to need a little longer we’ll ensure you’re kept up to speed. We will respond to your complaint with our findings and outcome within eight weeks, at the very latest. If, when you’ve received our response and you’re not happy with the outcome you can refer it to the Financial Ombudsman Service (FOS). We’ll remind you of this at the time of writing.
Absolutely not. If you make a complaint it doesn't affect your right to refer your complaint to the FOS, providing we’ve first had a chance to investigate it.
If you don’t agree please get in touch, we will ensure that your case handler explains the reasons as to how we reached our decision and if you’re still unhappy you can request that the FOS review your complaint.
Either write, call or e-mail the FOS at:
Post: The Financial Ombudsman Service Exchange Tower, London, E14 9SR
Phone: 08000 234 567 or 0300 123 9123
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
Eligible customers who purchase an insurance policy through Caura could be eligible to receive a £500 excess protection policy (the “Excess Protection Policy”) for free, this offer is known as the Excess Protection Offer.
This section governs the terms of the Excess Protection Offer provided to you by Caura.
We work with a partner called All Broker Services to provide this product to you. All Broker Services are registered at 167 Turners Hill, Cheshunt, Herts, EN8 9BH (company number 09792445), and are authorized and regulated by the FCA as an insurance intermediary (firm reference 774744).
The Excess Protection Policy is administrated and managed by Legal Protection Group Limited (“LPG”) who are registered at 8 Pinkers Court, Briarlands Office Park, Gloucester Road, Rudgeway, Bristol BS35 3QH (company number 10096688), and are authorised and regulated by the FCA (firm reference 749446). LPG are an appointed representative of Riviera Insurance Services Limited who are registered at 234 – 236 Union Street, Torquay, TQ25QS and are authorised and regulated by the FCA (firm reference 786116)
If your Excess Protection Policy was confirmed before 16th December 2024 it is underwritten by Alwyn Insurance Company Limited (“Alwyn), registered at PO Box 1338. First Floor Grand Ocean Plaza Ocean Village Gibraltar GX11 1AA (reference number 106261). Alwyn is authorised and regulated by the Gibraltar Financial Services Commission.
If your Excess Protection Policy was confirmed on or after 17th December 2024 it is underwritten by Cell Universal, a separate protected cell of Protect Insurance PCC Ltd (reference number 123758). Protect Insurance PCC Ltd is established under the Protected Cell Companies Act 2011 of Gibraltar and is authorised as an insurance company under the Financial Services Act 2019 of Gibraltar, and registered at 5/5 Crutchett’s Ramp, Gibraltar GX11 1AA.
The excess protection insurance policy is subject to the terms and conditions of the respective underwriter at the time your policy is confirmed. You will be sent the relevant terms at the time you have activated, and we have confirmed your policy. Caura reserves the right to amend, withdraw, cancel, or suspend the Excess Protection Offer at any time. By opting in to receive the Excess Protection Offer you will be deemed to have accepted and agreed to be bound by these terms and conditions.
To be eligible for the Excess Protection Offer:
• You must be aged 17 or older;
• You must be a registered user of the App;
• You must purchase an annual car insurance policy through Caura using the Service after 29th March 2024. Both Moneysupermarket and your insurer must confirm your purchase to us to prove this purchase, you must also share the required insurance documents with us when asked. This is defined as a “Verified Policy”;
• You must be the policyholder or joint policyholder;
• Your vehicle must be DVLA-registered with up to 7 seats.
To activate your policy you must send the car insurance policy documents of the policy you purchased using the Service, in pdf form, to Caura via insurance@caura.com or upload them in-app within 30 days of your policy start date. You must include at least your policy schedule and policy certificate. Caura will verify your policy documents and confirm your sale with Moneysupermarket, and then activate your Excess Protection Policy. Once this is complete your policy is considered a Verified Policy as defined above.
Your Excess Protection Policy is only set up once you have received explicit confirmation from Caura containing your Excess Protection Policy details. Until you have received this you will not be able to make a claim.
In the event of a claim under your Verified Policy where an excess payment is required (the “Insured Incident”), you must first pay your Verified Policy excess to the insurer and then claim against your Excess Protection Policy.
Following an Insured Incident, the insurer will reimburse your excess up to the maximum policy limit identified in your policy schedule. You will be required to prove that the claim on your Verified Policy has been successful, and that you have paid the excess on the Insured Incident.
Your Excess Protection Policy will only pay out if your claim amount on the Insured Incident is greater than the total excess payable under your Verified Policy.
For example, if the compulsory excess is £200 and your voluntary excess is £100 on your Verified Policy, your total excess is £300. You can only claim against your Excess Protection Policy if the total claim amount on your Insured Incident exceeds £300. If your claim is less than £300 then you cannot claim against this excess protection policy.
You can claim against this Excess Protection Policy as many times as you want in a given year, but the policy will only pay out to a maximum of £500 against your paid excess in that year. You are only covered for the duration of your Verified Policy.
You are not covered for windscreen and glass replacement.
To claim under your Excess Protection Policy, you must contact Legal Protection Group Limited directly, following their claims process. Proof of excess payment and any other documentation required by Legal Protection Group Limited must be provided to them.
You must read the full terms and conditions which were provided to you when you activated your policy for a full list of what you are and are not covered for. You may request another copy of these from insurance@caura.com at any time.
If you are unhappy about the handling of any claims, you should contact the Legal Protection Group using the following contact details:
Email: complaints@legalprotectiongroup.co.uk
Phone: 0333 700 1040 (lines are open Monday to Friday 9am to 5pm)
Post: Customer Service Department, Legal Protection Group Limited, 8 Pinkers Court, Briarlands Office Park, Gloucester Road, Rudgeway, Bristol BS35 3QH
Caura is free for you to sign up to and use. Caura receives a commission from Moneysupermarket when you purchase an insurance product with one of the insurers listed on Moneysupermarket’s panel of insurers. Moneysupermarket in turn receive a commission directly from the insurer.
The commission we receive will never impact how we rank your insurance results.
We may amend these terms from time to time, for example, to reflect changes in law, or the functionality of the Services. We will notify changes to these terms in advance via push notifications or any other manner we deem appropriate. Your continued use of the App will confirm your acceptance of the revised terms. Please check the terms whenever you use the App to ensure you understand the terms that apply at that time.
Under data protection legislation, we are required to provide you with certain information about who we are, how we process your personal data and for what purposes and your rights in relation to your personal data and how to exercise them. This information is provided in our Caura Privacy Policy and it is important that you read that information.
Please be aware that internet transmissions are never completely private or secure and that any message or information you send using the App may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.
The Service is made available on a non-exclusive, non-transferable basis for your personal, non-commercial use only. This means that you cannot make money from your use of the Service.
You agree that you are solely responsible for any costs and expenses you may incur in relation to your use of the Service.
You agree that you will
• not rent, lease, sub-license, loan, provide, or otherwise make available the Service in any form, in whole or in part to any person without prior written consent from us;
• not copy the Service except as part of the normal use of the Service or where it is necessary for the purpose of back-up or operational security;
• not translate, merge, adapt, vary, alter or modify, the whole or any part of the Service nor permit the Service or any part of it to be combined with, or become incorporated in, any other programs, except as necessary to use the Service on devices as permitted in these terms;
• not disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the Service nor attempt to do any such things, except solely to the extent such actions cannot be prohibited by law;
• comply with all applicable technology control or export laws and regulations that apply to the technology used or supported by the Service; and
• not remove, alter, or obscure any copyright, trademark or other proprietary notices appearing in or on the Service.
You may only use the Services for lawful purposes. You must not access or use the Services:
• in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Service Terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the App or any operating system;
• in a way that infringes our intellectual property rights or those of any third party in relation to your use of the Services (to the extent that such use is not licensed by these terms);
• to transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Services;
• in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users;
• to collect or harvest any information or data from the App or our systems or attempt to decipher any transmissions to or from the servers running the Services;
• to access or interfere with another user's account or information, impersonate another person or create or use a false identity or contact details; or
• in any way that is not authorised by us or is detrimental to us or our third party service providers.
All intellectual property rights in the Service throughout the world belong to us (or our licensors) and the rights are licensed (not sold) to you. You have no intellectual property rights in, or to, the Service other than the right to use them in accordance with these terms.
You license us to use any information, data or other content (“Content”) you provide to us or that we obtain or receive on your behalf and you agree that we can use, modify, display, distribute and create new material using the Content so that we may provide you with the Service and for any other purposes set out in these Service Terms, including our Caura Privacy Policy. By submitting Content you confirm and agree that the owner of that Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the Content for the purposes set out in these terms and our Caura Privacy Policy.
All trademarks appearing within the Service (for example OEM logos) are the property of their respective owners and their appearance in no way implies any affiliation with the owners.