Terms and Conditions

Your statutory rights are not affected:

Data Protection Act

To set up and administer your policy, insurers will hold and use information supplied by you about yourself. It may be sent in confidence for processing to other companies (or companies acting on instructions) including those located outside the European Economic Area.

By purchasing a product from us you consent to such use of your personal data.

1. Bookings

1.1 Bookings through our websites are deemed to be made when validated on the website.

1.2 Bookings made by telephone are deemed to be made when confirmed by one of our insurers or providers.

1.3 Bookings made by post are deemed to be made when written confirmation is sent from one of our insurers or providers.

1.4 All services are subject to availability.

2. Payment

2.1 Payment for a booking made by telephone or on our website can only be made by using a valid credit card or completing the online Direct Debit Forms.

2.2 If payment by card is declined or if a payment cheque is returned uncleared, Essential Finance product providers reserve the right not to fulfill your booking.

2.3 All prices are quoted in pounds Sterling including taxes.

3. Cancellation

3.1 If you decide that any product purchased through Essential Finance does not meet your needs you may cancel it according to the terms and conditions of the product in question.