TERMS & CONDITIONS
KLG Consulting Ltd
Website: klgconsulting.uk
These Terms & Conditions (“Terms”) govern your use of klgconsulting.uk (the “Website”), operated by KLG Consulting Ltd, a company registered in England and Wales (Company No. 15889742) with its registered office at Suite G04, 1 Quality Court, Chancery Lane, London, England, WC2A 1HR.
References to “we”, “our”, and “us” refer to KLG Consulting Ltd. “You” refers to the person using our Website or services.
By accessing or using this Website, you agree to be bound by these Terms. If you do not accept them, you must stop using the Website immediately.
1. USE OF OUR WEBSITE
1.1
Unlike automated comparison platforms, our Website does not generate insurance quotations independently. KLG Consulting Ltd does not hold FCA permissions to generate quotes, arrange insurance, or provide regulated advice. Our Website allows you to request non-advisory quotation searches performed manually through third-party providers.
1.2
Access to the Website is provided on a discretionary basis. We may suspend or remove your access if you breach these Terms.
1.3
This Website is intended for UK residents aged 18 or over.
1.4
We may update these Terms at any time. Continued use of the Website means you accept the latest version.
1.5
KLG Consulting Ltd is not an insurer, broker, or intermediary. We provide quotation-searching and administrative assistance only.
1.6
We do not make personal recommendations. Any decisions regarding policy suitability rest solely with you.
1.7
We operate independently and are not tied to any insurer or underwriting organisation.
2. PRIVACY & CONFIDENTIALITY
2.1
Your privacy matters to us. Our Privacy Policy explains how your personal data is processed.
2.2
We comply with the Data Protection Act 2018 and UK GDPR regarding all personal information collected.
3. GENERAL INFORMATION
3.1
We do not carry out regulated financial activities. Specifically, we do not:

• Administer insurance contracts

• Arrange, modify, or bind cover

• Provide regulated financial advice

• Act as an insurer, broker, or underwriter

3.2
Our role is limited strictly to searching for quotations using the information you supply.
3.3
If any clause in these Terms is found invalid, the remaining clauses remain enforceable under English law.
3.4
English law applies to these Terms, and you agree to the non-exclusive jurisdiction of the English courts.
4. THIRD-PARTY SERVICES
4.1
All insurance products we locate for you are provided by third-party insurers or brokers. We do not endorse or guarantee any of these providers.
4.2
All prices are quoted in Pounds Sterling (£).
4.3
We accept no liability for losses arising from products you obtain from third-party providers.
4.4
You must review the policy documents, features, exclusions, and terms before purchasing any insurance product.
4.5
Submitting your information constitutes an offer to purchase from a third-party provider. A contract only forms when the provider accepts your offer.
4.6
Links to external websites are provided for convenience only. We are not responsible for their content or accuracy.
5. DUTY OF DISCLOSURE
5.1
All insurance quotations rely on full and accurate information.
5.2
You must act in good faith and provide correct information during the quotation process and throughout the life of any policy you purchase.
5.3
Failure to disclose material facts may result in policy cancellation or increased premiums.
5.4
A “material fact” is any information that an insurer would reasonably need to assess risk.
5.5
If unsure whether information is relevant, you should disclose it.
6. ACCEPTABLE USE
You agree not to:

• Compromise the Website’s security

• Use the Website for commercial or unauthorised purposes

• Use automated tools (robots, scrapers, spiders)

• Reverse engineer or replicate Website content

• Provide false or misleading information

• Breach any applicable law

7. ABOUT OUR SERVICES
7.1
We search the market for quotations for cars, vans, homes, motorbikes, and accident management services from third-party providers. We do not offer advice or act as a broker.
7.2
You pay us a separate service fee for quotation-searching work. If a payment fails due to incorrect information provided by you (e.g., undeclared claims, penalty points, incorrect NCB), our service charge remains payable.
7.3
We do not earn commission from insurers. You authorise us to perform price-searching based solely on the details you provide.
7.4
If errors occur during the search process, we may, at our discretion, re-search your quotations or refund part/all of our service charge.
8. PERMITTED USAGE
You may use this Website for personal purposes only. You must not copy, extract, or republish any Website material without consent.
9. INTELLECTUAL PROPERTY
All trademarks, branding, content, and intellectual property on this Website belong to KLG Consulting Ltd or are licensed to us. You may not use them without prior permission.
10. LIABILITY LIMITATIONS
10.1
The Website is provided on an “as available” basis. We make no warranties regarding accuracy, completeness, or uninterrupted access.
10.2
Your use of the Website is at your own risk.
10.3
We do not guarantee the Website is virus-free.
10.4
We may suspend or terminate access without notice.
10.5
We are not liable for:

• Loss of profits, data, or business

• Indirect or consequential loss

• Loss arising from third-party providers

• Delays, interruptions, or errors

10.6
We do not exclude liability for death, personal injury, or fraud.
11. INDEMNITY
You agree to indemnify KLG Consulting Ltd against claims or losses arising from your breach of these Terms or misuse of the Website.
12. FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)
Any product you purchase from an insurer may be protected under FSCS. Visit www.fscs.org.uk for details.
13. DEFINITION OF QUOTE-SEARCHING
We manually search third-party insurers and comparison sites using the information you provide. We cannot adjust quotes or modify policy terms. You are responsible for checking policy documents with your chosen insurer.
14. DELIVERY OF QUOTES
Quotes are typically provided within up to 8 working hours, depending on availability of third-party systems. We will notify you via SMS, email, or phone once ready.
15. YOUR RESPONSIBILITIES
You must:

• Provide accurate information

• Review policy documents before purchasing

• Update insurers directly with any changes

• Ensure you understand your chosen provider’s terms

16. TERMS OF RISK
Not all insurers offer cover for all risk types. High-risk or non-standard applicants may receive fewer or no quotations.
17–20. CLAIMS, ACCIDENTS, CONVICTIONS & DATABASE CHECKS
Insurers may check:

• Claims & Underwriting Exchange (CUE)

• DVLA records

• Motor Insurance Database (MID)

• Anti-fraud registers

You must disclose all incidents, convictions, or claims within the required timeframe.
21. COPYRIGHT
All Website content is protected. You may download materials for personal use only.
22. WEBSITE CONTENT RESPONSIBILITY
We take reasonable steps to ensure accuracy but do not guarantee completeness or reliability. You must use antivirus protection when accessing the Website.
23. PAYMENT FOR OUR SERVICES
You will be informed of our service charge before payment. This fee applies for quotation searching and is independent of any policy you purchase.
Our fee is non-refundable where false information has been provided.
24. ADMINISTRATION CHARGES
Our current rates are:

• £200 per hour for Senior Consultants

• £150 per hour for other staff

• £25 per email, letter, or telephone call

Charges may be reviewed annually.
25. COMPLAINTS
Telephone: 0161 399 2381
Email: info@klgconsulting.uk
Address:
Complaints Handler
KLG Consulting Ltd
Suite G04, 1 Quality Court
Chancery Lane, London
WC2A 1HR
We aim to acknowledge complaints within 4 weeks.
26. UK RESIDENTS ONLY
Services on this Website are intended for UK residents only.
27. FRAUD
Providing false information may result in policy cancellation, voiding, or recovery of insurer costs.
28. TERMINATION
We may suspend or terminate your access if you:

• Breach these Terms

• Engage in fraudulent behaviour

• Abuse our staff

• Misuse the Website

29. GOVERNING LAW
These Terms are governed by English law.