Our Terms of Service

This simply says that we’ve got your best interest at heart and will always ensure that your data is safe and protected while using our service. This service is free to use for you and we’ll get paid when you make a purchase from any of our listed insurance companies - so make it rain!Should you decide to make a purchase from a company, we’ll facilitate that purchase but the agreement is always between you and the company - that way things become simpler for all of us.Last Updated: July 10, 2018

Welcome to BestQuote

Thank you for using our price comparison website which is governed by these Terms and Conditions. Please read them carefully. In these Terms and Conditions, "we", "our" and "us" means BestQuote (Ghana) Limited and "you" and "your" means any person who uses our website. If you are unsure about any aspect of these Terms & Conditions, or have any questions regarding our relationship with you, please contact us.

About Our Insurance Services

We provide an independent online insurance search engine that has been designed to save you time and money. Not only do we strive to find you the most competitive quotes for insurance, we also aim to provide you with the information you need to make an informed choice on which policy or product best suits your needs. We compare insurance products from a range of insurers. We will ask you some questions and produce a list of quotations based on the answers you give and provide the information you need to help decide which is the right policy or product for you. This will enable you to make your own choice about how to proceed. We don't offer advice or make recommendations.

How Are We Paid?

You will not be charged for using our website. Instead, when you use our website to buy a product or service from a third party, that third party pays a commission to us

About mybestquote.com

BestQuote (Ghana) Limited is a price comparison website which helps you compare and buy insurance from every major insurance company in Ghana. BestQuote (Ghana) Limited is registered in Ghana (Company number CS384542014) and our registered address is The Victoria, First Norla Street, North Labone, Accra. BestQuote is licensed by the National Insurance Commission (“NIC”) as a corporate agent of Marine & General Insurance Brokers Limited licensed by the NIC.

Scope

These Terms of Use govern the opening, use and closure of your BestQuote account and they constitute the legal relationship between you and us. These Terms and Conditions may be amended from time to time. Such amendments take effect immediately upon their publication on this website. The currently valid version is the version accessible on the website at the time the internet user makes concrete use of the website and its services. By accessing or using any part of the website or the services offered, the user agrees to be legally bound by these Terms and Conditions. Otherwise, use of the website and the services offered is not permitted. These Terms and Conditions (together with our Privacy Policy and Cookie Policy) represent the entire agreement between you and us relating to your use of our website. These terms also supercede any previous agreements, including previous terms and conditions of our website. These Terms and Conditions are subject to the laws of Ghana and the exclusive jurisdiction of their Courts. You are also advised to read the answers to the “Frequently Asked Questions” which are published on our website.

Services of the Website

The website is aimed at end consumers (hereinafter also referred to as “customers”) who purchase, apply for or inform themselves (or each other) about insurance products online via the internet. On the website, customers receive free price overviews and references to the sources of supply of products that are offered online by major insurance companies registered with BestQuote. The information provided on the website does not represent any legally binding offer on the part of BestQuote. The information research is widely automated and based to a great extent on information that BestQuote receives from the insurance companies. Data from the insurance companies is repeatedly updated by the insurance company when need be. Therefore, BestQuote cannot assume any liability for the accuracy or inaccuracy of the information provided.

Contractual Relationships

BestQuote does not become party to any purchase made in the course of acquiring the insurance products represented on the website. Contracts involving the acquisition of products or services represented on the website are concluded exclusively between the customers and insurance company. In the case of such contracts, the respective terms and conditions (including cancellation, refund and extension policies) of the individual insurance companies apply. BestQuote assumes no liability for all products purchased on the website. All brand names, logos and/or other product designations are registered and protected trademarks or trade names of the respective owners.

Liability

The following exclusions and limitations apply with regard to BestQuote’s liability, notwithstanding other legal claim requirements: BestQuote assumes liability if the cause of damage is the result of willful misconduct or gross negligence on the part of BestQuote. In all other respects, liability for compensation for damage of any kind, regardless of the basis for claim, including liability for violation of mutual confidence in the preparation of contract, are excluded. If BestQuote assumes liability for an instance of simple negligence, this liability is limited to damage the occurrence of which could typically be expected due to circumstances known upon conclusion of the contract. BestQuote assumes no liability and makes no guarantee as to the type, completeness and quality of the insurance products, accessible on the website.

Intellectual Property Rights

The website contains data, search results, texts, graphics, software and other information that are protected under intellectual property right provisions, copyright law and trademark law for the benefit of BestQuote and its employees. Reproduction, public distribution, modification and other encroachments on these rights, whether entirely or in part, are only permitted with the explicit written permission of BestQuote. Each unauthorised encroachment represents a violation of these Terms and Conditions and will be prosecuted. The automated reading of databases and website (e.g., via scraping) and the integration of the contents of the website in a frame without BestQuote’s permission is not permitted. The user is solely permitted to use the application for the individual comparison of offers from insurance companies to meet his/her own private needs.

Your BestQuote Account

Your BestQuote account enables you compare prices and benefits of insurance products from the major insurance companies after submitting your specifications and purchase with any of the payment instruments suitable for you. Your account provides you the history of all policies purchased and yet to be purchased. You have the right to update all the information in your account with regards to basic information, duration, destination, type of the insurance policy.

Opening your BestQuote Account

To use our price comparison website, you must first open a BestQuote Account by registering your details on our website. As part of the signup process you will need to accept these Terms and Conditions and you must have legal capacity to accept the same. You may only open one BestQuote Account per email address. All information you provide during the signup process or any time thereafter must be accurate and truthful.