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1. Introduction

1.1 Welcome to This site is owned and operated by Aequitas Automotive Ltd (“we”, “us” or “our”)

1.2 PLEASE READ THESE TERMS AND CONDITIONS OF USE (“Terms”) BEFORE USING OUR SITE. By using our site, you agree to be bound by these Terms. If you do not wish to be bound by what you read below, you should not use

1.3 We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to ensure that you are aware of them by checking for any changes regularly. Changes will become effective as soon as they are posted. If you continue to use our site after posting changes to these Terms, you accept any such changes.


2. What we do

2.1 This site provides information on Insurance products, including GAP Insurance, alloy wheel insurance, tyre insurance, cosmetic repair insurance and motor excess insurance. We provide regularly updated general information about our views on insurance products. We encourage users to contact us with any queries regarding Insurance. The information you read on this site is a great starting point for further research into what suits your particular Insurance requirements.


3. What we do not do

3.1 The information we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. Given that the impact of any information expressed on our site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you.


4. Privacy Policy

4.1 We take your privacy seriously. Please read our Privacy Policy to learn how we handle this information.


5. Links

5.1 Our site does include details on, or links through to, information provided by other websites. We do not control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Remember, your contract for those products or services will be with them, not us.

5.2 When you use other websites, any personal information you give them will be handled in accordance with their privacy policies, not ours, so please read the privacy policies of each website before using it!

5.3 Some of the links included on our site may be affiliated links. 


6. Our content

6.1 All of the content on our site is owned by us or our licensors and is protected by UK and international copyright laws.

6.2 The content on our site includes any information or other material found on, articles, databases, graphics, software and all other features of our site. You are allowed to use our content for personal, non-commercial use only. You may make one copy of extracts from this site on any computer for personal, individual use only, provided all copyright and proprietary notices are kept intact. None of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.

6.3 . All brand names and trademarks that appear on this site are trademarks or trade names of their respective holders. No permission is given for using any of these brands or marks, and any such use may constitute an infringement of the holder's rights.


7. Disclaimer of warranties and liability

7.1 We provide our site in good faith, but we cannot and do not warrant the completeness, truth or accuracy of the information or other content or postings found on our site or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own Insurance research and decisions and that we shall not be liable for any action that you or others take or don't take based on your use of or reliance on information provided by us or other users of this Site.

7.2 We do not promise that your access to our site or its content will be uninterrupted, timely, or error-free or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to ensure that any files you obtain through our site are free from such contamination or other harmful properties.

7.3 The effect of what is set out here is that you agree that we will not be held liable for any direct, indirect, incidental or other type of loss or injury resulting from your use or downloading of any content on our site.

7.4 Aequitas Automotive Ltd act as an insurance intermediary and, as such, does not guarantee the solvency of any insurer, does not monitor insurer solvency on an ongoing basis and accepts no liability for losses of any client due to an insurer being deemed insolvent


8. Indemnity

8.1 You agree to indemnify, defend, and hold harmless us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you communicate to us, any actions you take which disrupt access to and/or the functioning of our site or any breach by you of your obligations under these Terms.


9. General

9.1 If any of these provisions are deemed invalid, void or unenforceable, that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.

9.2 This site is directed to users in England, Scotland, Northern Ireland and Wales only unless otherwise specified for specific items posted on this site.

9.3 These Terms shall be governed by the laws of England, and any dispute between us will be resolved exclusively in the Courts of England.


10 Changes

10.1 These Terms were published on 03/06/2024 and replaced the previously published Terms with immediate effect. They were updated on 1st May 2016 to reflect our new trading address. 


11. Contact us

This site is owned and operated by
Aequitas Automotive Ltd

Office: Aequitas House, 56 Hamilton Square, Birkenhead, Merseyside, CH415AS

Registered in England & Wales with number 7347606


12. Emails

We will not sell, pass on, or give your information to anyone for any marketing purposes. We will, however, send you a reminder about your quotation and when your policy is about to expire. As gap insurance is not normally renewable, this is not for marketing purposes; instead, it is simply to remind you that your coverage is about to end.


13. Arrangement Fees & Maximum Commissions 

When you buy a policy from us, we earn a commission, which is included in your total price. If you have bought a Gap insurance policy in line with the current Financial Conduct Authority guidelines, our commission will be no more than 35% and, in some cases, lower. If you purchase a Gap Insurance policy, it will also include an arrangement fee, which will be between £10 and £50 depending upon your level of coverage and how long your policy is to cover you for.


Posted: 03/06/2024