Terms and Conditions

Last Updated: March 08, 2025

Welcome

These Terms and Conditions govern your use of Spirit Cover’s website (https://spiritcover.co.uk/), a trading style of Bespoke Life Ltd, an FCA-regulated brokerage. Using our site means you agree to these terms - if not, please stop. Our Details:

  • Bespoke Life Ltd
  • Registered Office: [Insert Address]
  • Company Number: [Insert Company Number Placeholder]
  • FCA Regulation Number: [Insert FCA Regulation Number Placeholder]

Using Our Site

  • Purpose: For personal, lawful use - don’t misuse it (e.g., hacking).
  • Content: Info only, not advice or quotes. Speak to our advisers for insurance options.
  • Access: We aim to keep it live, but outages can occur - no guarantees.

Our Services

  • Brokerage Role: We connect you with insurers to arrange quotes or policies (not provided on this site). Your info must be accurate for valid outcomes.
  • FCA Compliance: We follow FCA rules for fair service. Full terms come with any policy you take.
  • Changes: We can adjust services or these terms - updates posted here.

Your Duties

  • Honesty: True details ensure we can help you effectively.
  • Security: Protect any login details - tell us if they’re compromised.
  • Law: Follow UK rules on our site.

Our Rights

  • Ownership: Our logos, text, and design are ours - don’t use without permission.
  • Termination: We can block you for breaking these terms.

Liability

  • No liability for losses from site use (e.g., tech issues) unless we’re negligent under UK law. Your statutory rights stay intact.

External Links

  • We may link to partners or resources - we’re not responsible for their content.

Law

  • Governed by England and Wales law - disputes go to English courts.

Contact Us

  • Email: [Insert Contact Email].
  • Post: Bespoke Life Ltd, [Insert Address]
  • Phone: [Insert Phone Number]