Terms and Conditions
Last updated: 19 June 2026
1. About these terms
These terms govern your use of the Here4Insurance website.
By using this website, you agree to comply with these terms. If you do not agree with them, you should stop using the website.
These terms apply only to your use of Here4Insurance. Insurance providers, brokers, comparison services and other third parties may apply their own terms to their websites, quotation services and products.
2. About us
Here4Insurance is a trading style of Latitude60 Ltd.
Latitude60 Ltd is registered in England and Wales under company number 14841042. Our registered office is:
128 City Road
London
United Kingdom
EC1V 2NX
Latitude60 Ltd is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 1007443.
We may receive commission or other referral payments for introducing visitors to FCA-authorised and regulated insurance brokers, comparison services or other insurance businesses. We do not underwrite insurance, provide insurance mediation services, act as a credit broker, or give personal financial or insurance advice unless we expressly state otherwise.
References in these terms to “Here4Insurance”, “we”, “us” and “our” mean Latitude60 Ltd.
You can contact us through the Contacting Us About This Website page or by writing to our registered office.
3. What Here4Insurance provides
Here4Insurance provides general insurance information and introduces visitors to third-party insurance providers, brokers, comparison services and other businesses.
We do not underwrite insurance and do not provide personal financial or insurance advice. No advice or personal recommendation is given or implied by information published on this website.
Unless we expressly state otherwise, any quotation, insurance application or insurance policy is provided or arranged by a third party and not by Latitude60 Ltd.
The identity of the business responsible for a quotation or insurance service should be shown on the relevant page or on the website to which you are transferred.
4. Your responsibility for insurance decisions
Information on this website is provided for general information only.
You are responsible for:
- deciding whether an insurance product is suitable for your circumstances;
- checking the terms, exclusions, limits and price offered by the relevant provider;
- providing complete and accurate information when requesting a quotation or purchasing insurance; and
- reading the provider’s own terms, privacy notice and regulatory information.
Insurance availability, eligibility criteria, premiums and terms can change. Information published on Here4Insurance should not be treated as a guarantee that a particular product, price or level of cover will be available.
5. Commission and affiliate links
Our service is free for visitors.
We may receive a commission, referral payment or other benefit when you follow a link, request a quotation or purchase a product from one of our partners.
You should assume that links to quotation providers, insurance businesses and other commercial websites may be affiliate or referral links.
Receiving a commission does not place you under any obligation to accept a quotation or purchase a product.
6. Quotation links and third-party websites
When you select a quotation link, you may be transferred to a website operated by a third-party provider.
We do not control third-party websites and are not responsible for:
- their availability, security or accessibility;
- the information they publish;
- the quotations or eligibility decisions they make;
- the products or services they supply;
- their handling of your personal information; or
- any contract entered into between you and the third party.
A link from Here4Insurance does not mean that we endorse every product, service, statement or practice of the linked business.
Any complaint about a quotation, application, policy or service supplied by a third party should normally be directed to that third party.
7. Accuracy and availability
We take reasonable care when producing and maintaining this website. However, we do not guarantee that:
- all information will always be complete, accurate or current;
- the website will always be available;
- the website will be free from errors or interruptions; or
- every link to a third-party website will continue to operate.
We may update, suspend, restrict or withdraw any part of the website without notice where reasonably necessary for maintenance, security, legal, operational or commercial reasons.
8. Insurance reminder service
Our insurance reminder service is provided as a convenience.
We cannot guarantee that a reminder will be delivered or received. Messages may be delayed, rejected or filtered as spam, and technical failures may occur.
You remain responsible for:
- keeping your contact details and renewal information accurate;
- checking your insurance renewal dates;
- ensuring that appropriate cover remains in force; and
- arranging replacement or renewed insurance in sufficient time.
We are not responsible for an insurance policy expiring or for a missed renewal where a reminder is not delivered, received, read or acted upon.
9. Acceptable use
You may use the website only for lawful purposes.
You must not:
- attempt to gain unauthorised access to the website or related systems;
- introduce viruses, malware or other harmful material;
- interfere with the security or operation of the website;
- use automated systems to extract substantial amounts of website content without permission;
- submit false, unlawful, abusive or infringing material; or
- use the website in a way that could damage our systems, reputation or the rights of another person.
We may restrict or block access where we reasonably believe the website is being misused.
10. Intellectual property
Unless otherwise stated, the content, design, branding, software and other material published on this website belong to us or are used under licence.
You may view and print reasonable extracts for your personal, non-commercial use.
You must not reproduce, republish, sell, license, modify or commercially exploit a substantial part of the website without our prior written permission.
11. Website security
We use reasonable measures intended to protect the website, but no website can be guaranteed to be completely secure or free from harmful code.
You are responsible for protecting your own equipment, software and internet connection.
12. Our liability
Nothing in these terms excludes or limits liability where it would be unlawful to do so, including liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence.
If you use the website as a consumer, we are responsible for foreseeable loss or damage caused by our failure to use reasonable care and skill. We are not responsible for loss or damage that was not reasonably foreseeable.
To the extent permitted by law, we are not responsible for:
- quotations, decisions, products or services provided by third parties;
- loss resulting from inaccurate or incomplete information supplied by you;
- interruptions or failures caused by events outside our reasonable control;
- loss arising solely from your failure to check information with the relevant provider; or
- business losses, including loss of profit, revenue, opportunity, goodwill or anticipated savings, where the website is used for business purposes.
Nothing in these terms affects your statutory rights.
13. Privacy and cookies
Our Privacy Notice explains how we collect, use, retain and share personal information.
Our Cookie Policy explains the cookies and related technologies used on this website.
14. Changes to these terms
We may amend these terms when our website, services, business arrangements or legal obligations change.
The date at the top identifies the latest version. Revised terms apply from the date they are published.
15. General provisions
If a court finds that part of these terms is invalid or unenforceable, the remaining provisions will continue to apply.
A delay in exercising a right under these terms does not waive that right.
No person other than you and Latitude60 Ltd has a right to enforce these terms.
16. Governing law and jurisdiction
These terms are governed by the law of England and Wales.
If you live in England or Wales, the courts of England and Wales will have jurisdiction. If you live in Scotland or Northern Ireland, you may also bring proceedings in the courts of the country in which you live.
17. Contacting us
Questions about this website or these terms should be submitted through our Contacting Us About This Website page or sent by post to our registered office.
Questions about a quotation, insurance application or policy should be directed to the provider responsible for it.