Our Services

Make sure our quote comparison service is right for you by reading the information below.

Who we are

Compare Cover is a trading style of Investment Discounts On Line Ltd. We are a limited company based and operating in the United Kingdom.

What services and products do we offer you?

We are an online insurance intermediary comparing insurance quotes from a panel of insurance providers which are listed in Appendix A below for:

To keep our costs down and deliver lower premiums to you, our service is online and we enable you to transact via our website and we provide customer services by email and phone.

How do we help you select a product?

You will need to make your own product selection. We do not provide advice or a personal recommendation.

To assist you we ask questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

How do we charge for our services?

Life insurance - We provide an online service to help you search for life and critical illness insurance products for which we charge no fee. If you choose to arrange a policy by using our service, we will receive a commission payment from the insurer which is a percentage of the policy's premium. We give up some of the commission offered by the insurer which reduces the premium you pay over the life of the policy.

Travel insurance - We provide an online service to help you search for travel insurance products for which we charge no fee. If you choose to arrange a policy by using our service, we will receive a commission payment from the insurer which is a percentage of the policy’s premium.

Pet insurance - We provide an online service to help you search for pet insurance products for which we charge no fee. If you choose to arrange a policy by using our service, we will receive a commission payment from the insurer which is a fixed price per pet insured.

Who regulates us?

Investment Discounts On Line Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The FCA is the independent watchdog that regulates financial services. Our FCA Register number is 197451.

Our operating address is: The Edge, Eden Business Park, Penrith, Cumbria, CA11 9FB

Our registered address is: One Coleman Street, London, EC2R 5AA

Our permitted business is arranging non-investment insurance contracts.

You can check this on the FCA's Register by visiting the FCA's website https://www.fca.org.uk or by contacting the FCA on 0800 111 6768.

Who are we owned by?

Investment Discounts On Line Ltd is owned by Legal & General.

How can you tell us if you have a complaint?

We are keen to hear if you are not happy with our services. To register a complaint, please contact us by either:

writing to: Investment Discounts On Line Ltd, The Edge, Eden Business Park, Penrith, Cumbria, CA11 9FB

telephone: 0800 915 2926

email: customerservices@comparecover.com

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

What protection is provided by the Financial Services Compensation Scheme (FSCS)?

The FSCS protects consumers when financial services firms fail [or go bankrupt]. It's the compensation scheme for customers of UK authorised financial services firms. We are a member of the FSCS and as such you are protected.

You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Further information about compensation scheme arrangements is available from the FSCS.

Appendix A

The insurance providers on our panels are:

Travel
Flexicover, Insurance Republic, Insure With Ease, Insurefor, TopDog, Your Travel Cover, Big Blue, Coverwise, CoverForYou, Good To Go, Ok To Travel, Admiral, Spectrum, Southdowns, TripSure, TravelInsurance4Medical, Cedar Tree, Now, Insurefor Med, Big Blue Med, AllClear, Saga Services Limited, Outbacker, Boots, Direct Travel, Switched On Insurance, TravelTime

Life
Legal & General, AEGON, Zurich, VitalityLife, AIG, Beagle Street, LV=

Pet
Pet Pals, Purely Pets, Pet Protect, Healthy Pets, AnimalFriends, Vetsmedicover, Pet-Insurance, John Lewis, Legal and General, Marks and Spencer, Admiral, Post Office, Lifetime Pet Cover, 4Paws Pet Insurance, PDSA, Puffin, Debenhams, The Insurance Emporium, Scratch and Patch, Geoffrey Pet, Everypaw, ASDA, Sainsburys Bank, Argos HIS