Terms of Service

1. Acceptance of Terms

By accessing and using the Quick Insurance Quote website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services Provided

Quick Insurance Quote is an insurance comparison and quotation service that:

• Provides insurance quotes from multiple providers
• Facilitates comparison of insurance products
• Assists with insurance applications
• Offers educational content about insurance products

We are not an insurance provider. We act as an intermediary between you and licensed insurance companies.

3. Quote Accuracy

Quotes provided through our platform are estimates based on the information you provide. Final premiums and terms are subject to:

• Verification of information by the insurance provider
• Underwriting assessment
• Medical examinations where applicable
• Credit checks and risk assessments

We do not guarantee that quotes will remain valid or that applications will be accepted.

4. User Responsibilities

You agree to:

• Provide accurate and truthful information
• Keep your account credentials secure
• Notify us of any unauthorized use of your account
• Comply with all applicable laws and regulations
• Not misuse our services or attempt to interfere with their operation
• Read and understand policy documents before purchasing insurance

5. Commission and Fees

Our quote comparison service is free for users. We may receive commission from insurance providers when you purchase a policy through our platform. This commission does not affect the premium you pay.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Quick Insurance Quote or its licensors and is protected by South African and international copyright laws.

7. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any indirect, incidental, or consequential damages
• We do not guarantee uninterrupted or error-free service
• We are not responsible for the actions or policies of third-party insurance providers
• You use our services at your own risk

8. Complaints and Disputes

If you have a complaint about our services, please contact us at info@quickinsurancequote.co.za. We will investigate and respond within 15 business days. If you are not satisfied with our response, you may escalate the matter to the Financial Sector Conduct Authority (FSCA).

9. Termination

We reserve the right to suspend or terminate your access to our services at any time, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users or our business interests.

10. Regulatory Compliance

Quick Insurance Quote operates in compliance with:

• Financial Advisory and Intermediary Services (FAIS) Act
• Protection of Personal Information Act (POPIA)
• Financial Intelligence Centre Act (FICA)
• All relevant insurance regulations in South Africa

11. Changes to Terms

We may modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

12. Governing Law

These Terms of Service are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the exclusive jurisdiction of the South African courts.

13. Contact Information

For questions about these Terms of Service, please contact us: