01 Acceptance of terms
These Terms & Conditions govern your use of HomePolicyAdvisor.com and any consultation, comparison or advisory service we provide by phone, email or online form. By using the website or speaking with an advisor, you agree to these terms. If you do not agree, please do not use our services.
02 Our services
HomePolicyAdvisor is an independent advisory service. We help homeowners, landlords and renters compare home insurance plans offered by third-party insurers and choose a policy that suits their needs.
We are not an insurance company. We do not underwrite policies, set premiums or decide claims. Every policy is issued by, and is a contract between you and, the insurer you select.
03 Quotes and coverage
Quotes and plan comparisons are estimates based on the information you give us and the rates insurers make available at that time. Final premiums, terms, exclusions and eligibility are set by the insurer and may change after underwriting.
Coverage is defined only by the policy documents issued by the insurer. Please read your policy wording carefully before you commit. Descriptions on this website are general summaries and do not replace the policy terms.
04 Fees
Initial consultations are free and carry no obligation. If any advisory fee applies to a service, we will explain it clearly and confirm it with you in writing before you commit. We do not add hidden charges to the premium quoted by the insurer.
05 Your responsibilities
- Provide accurate and complete information about yourself and your property.
- Tell us or your insurer promptly if your circumstances change.
- Review all policy documents and confirm they meet your needs.
- Pay premiums directly to the insurer as agreed in your policy.
Incorrect or missing information may affect your premium, your cover or the outcome of a claim.
06 Calls and messages
When you submit a form or request a callback, you agree that we may contact you by phone, text message or email about your enquiry. Calls may be recorded for quality and training purposes.
Consent to be contacted is not a condition of purchasing any policy. You can opt out at any time by telling your advisor, replying STOP to a text message or emailing us.
07 Privacy
We collect the personal information you give us, such as your name, contact details and property details, to prepare comparisons and arrange cover. We share it only with insurers and service providers needed to deliver the service you asked for, or where required by law.
We do not sell your personal information. You may ask to access, correct or delete your information by contacting us using the details below.
08 Limitation of liability
We take reasonable care in the advice we give. To the extent permitted by law, we are not liable for decisions made by insurers, including underwriting, pricing or claim outcomes, or for losses arising from inaccurate information you provide. Nothing in these terms limits any rights you have under applicable consumer protection law.
09 Intellectual property
All content on this website, including text, design and logos, belongs to HomePolicyAdvisor or its licensors. You may view and print pages for personal use. You may not copy, republish or use the content for commercial purposes without our written permission.
10 Changes and governing law
We may update these terms from time to time. The date at the top of this page shows when they last changed. Continued use of our services after an update means you accept the revised terms. These terms are governed by the laws of the jurisdiction in which HomePolicyAdvisor is registered.
11 Contact
Questions about these terms or your personal information? Get in touch.