We've taken a fresh look at health insurance to work out how we can do things better. So we've created simple health insurance that you can tailor to your needs.
As unpalatable as the idea of planning for your own death might seem, there are plenty of reasons to look into buying Life Cover now – even if you already have a policy.
We all know how difficult and distressing it can be to plan a Funeral, which is why we have partnered with some of the leading Funeral Plan and Funeral Directors in the UK.
quoternetwork.co.uk is the site that gives consumers free product information and guides to various financial products, such as Life Cover, Private Medical Insurance, Will Writing, we also have partnered with some of the most respected companies in the UK to ensure that you and your family are looked after post retirement. quoternetwork.co.uk and our associated brands such as PMI Quoter, Life Cover Quoter, Wills Quoter can all help you get protected and compare the market to ensure you are getting the right products for your circumstances and the best price. We love to look after our clients and we love to find you the best deals, get in touch today to start saving.
We not only love to save you money, but we continuously share ways to reduce your cost of living, bringing you helpful advice on products you might not fully understand and offering you great hints and tips on what to look out for when buying these types of products.
We also want to let you know about useful websites that can save you money without wasting your time. For example u switch is a website that can advise you of the best deal for on energy, telecoms, broadband and many other products.
Our partners are always keen to keep you up to date with new products and services, we offer a free newsletter we will keep you updated about new money saving offers, ideas and general advice as they become available, and, better still, when we hear about them, you hear about them!
Sign up for free news and money-saving offers for loans, life insurance and much more.
QuoterNetwork.co.uk is the site that gives consumers the best tips, free product information guides and savings on Life Cover, Private Medical Insurance and other products to make vital moments of life easier. The site also matches people with suitable partner companies providing these services at competitive rates.
Email Us: info@quoternetwork.co.uk
The Quoter Network is a trading style of Veriform Limited.
Subject to our terms and conditions The Quoter Network will process the information you provide us and may pass this on to our named partners for marketing purposes.
Veriform Ltd is a company registered in England & Wales, registration number 07195400 and registered at 145/147 Hatfield Road, St. Albans, Hertfordshire, AL1 4JY, Authorised and regulated by the Financial Conduct Authority, firm reference number 690199.
The Quoter Network is not an insurance company nor able to offer any advice into any financial services regulated products. Any terms and conditions may vary for all of our partners.
We do not charge a fee for this service, but we do receive a commission directly from our partners following successful introductions from this website. Any information we provide is for the purposes of illustrating the products promoted on this site only and should not be read as financial advice.
The information contained in this website is for general information purposes only. The information is collected and provided by Quoter Network. Whilst we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arise out of, or in connection with, the use of this website.
Through this website you may be able to link to other websites which are not under the control of Quoter Network. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Every effort is made to keep the website up and running smoothly. Quoter Network takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.
Last updated: October 2020
1. Background.
This Privacy Information explains how we use your personal data: how it is collected, how it is held, and how it is processed. It also explains your rights under the law relating to your personal data.
Veriform Ltd (“We”, “Us”, “Our”) understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of all of our customers and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.
2. What Is Personal Data?
Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
The personal data that we use is set out in Part 3, below.
3. What Personal Data Do We Collect?
In order to provide you with our service and pass your details on to one of our clients so they can contact you by phone and provide you with more information or a quote for . We do not knowingly, deliberately or aim to, collect personal data from children under the age of 18, either for registration or for marketing purposes. If you are 18 or over we may collect some or all of the following personal data (this may vary according to your relationship with us).
We collect your personal data in a number of ways:
4. How Do You Use My Personal Data?
Under the GDPR, we must always have a lawful basis for using personal data. This may be because the data is necessary for our performance of a contract with you, because you have consented to our use of your personal data, or because it is in our legitimate business interests to use it. We collect for personal information in order to provide you with our service and pass your details on to one of our clients so they can contact you by phone and provide you with more information or a quote for . The information we hold is held securely within an encrypted database. We take the protection of this data very seriously and will only routinely share data via secure systems with relevant lenders in the interest of clients, to progress and conclude claims. We may, on occasion, also be legally required to share data with regulatory bodies, including the Ministry of Justice, the Financial Ombudsman Service, the Legal Ombudsman and the Information Commissioner’s Office.
Your personal data may be used for one of the following purposes under a legitimate interest or consent basis. The method of communication will be by telephone. The method of communication will be determined by the consent you have provided.
The legitimate interests can be your interests or our interests. They can include commercial interests, individual interests or broader societal benefits but we need to be able to identify a legitimate interest; show that the processing is necessary to achieve it; and balance it against your interests, rights and freedoms.
With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by telephone with information, news, and offers on our products and services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you always have the opportunity to opt-out.
We only ever send personal information to 3rd parties where you have given consent to do so. To prevent fraud and to ensure data accuracy it is necessary to submit your information for verification and filtering.
This enables us to provide our services to you, and fulfil our legal obligations. We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information. We will store all the personal information you provide on our secure servers that are subject to strict security requirements.
5. Do You Share My Personal Data?
We will only share some or all of your personal data with select third parties. We share your personal information in order to provide you with our service and pass your details on to one of our clients so they can contact you by phone and provide you with more information or a quote for .
In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.
If any of your personal data is required by a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described in Parts 5 and 9.
6. What Are My Rights?
Under the GDPR, you have the following rights, which we will always work to uphold:
For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 14.
Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.
If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.
7. What Are Cookies And How Do We Use Them?
Our websites use cookies to collect information. Cookies are small data files which are placed on your computer or other mobile or handheld device (such as smart ‘phones or ‘tablets’), as you browse our websites. They are used to ‘remember’ when your computer or device accesses our websites. We do not use cookies to collect or record information on users’ name, address or other contact details. The cookies stored on your computer or other device when you access our websites are set by us and other third parties. Cookies may also be set by third parties who we use for marketing. None of these third parties collect any personal data from which they would be able to identify individual customers.
The main purposes for which cookies are used are:
Our cookie policy can be found here and informs users what cookies are used on this site, why we use them, how to manage them, and how to disable them.
If you want to disable cookies you need to change your website browser settings to reject cookies. How to do this will depend on the browser you use. In general the site may not operate effectively if cookies are deactivated.
8. How And Where Do You Store Or Transfer My Personal Data?
We will only store or transfer your personal data within the European Economic Area (the “EEA”). The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein. This means that your personal data will be fully protected under the GDPR or to equivalent standards by law.
9. How Long Will You Keep My Personal Data?
We will not keep your personal data for any longer than is necessary in light of the reasons for which it was first collected. We will keep your contact details following an enquiry to our website for a period of 6 months. After 6 months your personal information is placed in a suppression file for a further 18 months. We need to do this to ensure you do not receive any further communication from us or from any of our partners if your information has been supplied to them previously and for fraud prevention purposes.
10. How Can I Access My Personal Data?
If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.
All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 14.
To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.
There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.
We will respond to your subject access request within 28 day’s and, in any case, not more than one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request.
11. How Can You Refer A Concern To The UK Supervisory Authority In Respect Of Data We Hold About You?
We are regulated by the Information Commissioner’s Office (ICO) in respect of our obligations to protect your data. You have the right to raise a concern about our use of your data to the ICO, who will investigate this on your behalf. The ICO will only investigate complaints made within three months of your last contact with us.
You can contact the ICO through their website: https://ico.org.uk or by telephone: 0303 123 1113.
12. Copyright
You may download, print extracts and/or make copies of works on this site for your own personal and non-commercial use, providing you acknowledge Veriform Ltd as the source of the information and include a link to our website.
13. Changes To This Privacy Notice
We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.
Any changes will be made available by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes, although anything that will affect you will be communicated directly to you.
14. Information About Veriform Limited.
To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the details provided below and address this for the attention of the Data Protection Officer.
Veriform Limited is a Limited Liability Company registered in England under company number 7195400.
Registered address: 145/147 Hatfield Road, St. Albans, Hertfordshire, AL1 4JY.
Main trading address: Monaco House, Station Road, Kings Langley, Hertfordshire, WD4 8LQ.
Email address: info@veriform.co.uk
Telephone number: 01923 277 940
ICO Registration Number: Z2350000
Last updated: October 2020
Quoter Network is an online referral and introducer of FCA regulated products such as , Private Medical Insurance and Funeral Plan Insurance. We provide a referral service to named regulated companies for the processing of claims based on the information provided through this website.
The terms Quoter Network or 'us' or 'we' refers to the owner of the website. The term 'you' refers to the user or viewer of our website. The use of this website is subject to the following terms of use:
Veriform ltd is a company registered in England & Wales, registration number 07195400 and registered at Unit 1, Monaco House, Station Road, Kings Langley, Hertfordshire, WD4 8LQ, and is authorised and regulated by the Financial Conduct Authority, firm reference number 690199.
Veriform Ltd or any of its trading styles are not an insurance company nor able to offer any advice into any financial services regulated products. Any terms and conditions may vary for all of our partners.
We do not charge a fee for this service, but we do receive referral fee directly from our partners following successful introductions from this website. Any information we provide is for the purposes of illustrating the products promoted on this site only and should not be read as financial advice.
Any complaints that arise from contact originating from communication from a named company or third party on this site is the responsibility of Veriform Ltd should be communicated via our complaint procedure stated on our site.
Any acceptance of a third party’s terms and conditions or privacy policy is not accordance to Veriform Ltd and independent advise is recommended before entering any third party terms and conditions or privacy policies.
Last updated: October 2020
This website and its content is copyright of Quoter Network - © Quoter Network 2014. All rights reserved. Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:
Last updated: October 2020
We value your feedback. Letting us know whenever you are dissatisfied with our service gives us the opportunity to put matters right for you and improve our service for everybody.
Our aim is to provide the highest possible level of service to all our clients.
At Veriform we aim to deliver the best service to our customers. If you are unhappy with any aspect of the service, then please raise your concern with us immediately.
We define a complaint as "any expression of dissatisfaction by a customer in relation to provision of a regulated claims management service".
We aim to resolve all complaints fully and as quickly as possible. We define a complaint as resolved when we mutually agree that we have addressed all your issues. Our internal complaints procedure is designed to resolve your concerns quickly and efficiently.
In writing;
Please address your letter to us at: Veriform Ltd
1 Monaco House
Station Road
Kings Langley
Hertfordshire
WD4 8LQ
By email: info@veriform.co.uk
Please telephone us on 01923 277 940.
Your complaint will be investigated by a member of our team whose responsibility is to investigate and resolve any problems you are experiencing.
If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to:
The Financial Ombudsman Service
Exchange Tower
London E14 9SR
financial-ombudsman.co.uk
or
Monday to Friday – 8am to 8pm
Saturday – 9am to 1pm
· 0800 023 4 567 (calls to this number are now free on mobile phones and landlines)
· 0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers)
· Email: complaint.info@financial-ombudsman.org.uk
These numbers may not be available from outside the UK – so please call from abroad on +44 20 7964 0500.
They will be happy to phone you back, if you're worried about the cost of calling.
You can also text them on 07860 027 586 and they will call you back. But please don’t send any account numbers or bank details – they will discuss this with you at a later date. if you feel you need to speak to them more urgently, it's probably best to call so they can help there and then.
European Online Dispute Resolution Platform
In relation to your complaint you can also request a review from the European Online Dispute Resolution platform.