This website, www.supremeautoexpert.co.uk, is owned and operated by Supreme Auto Expert Limited (company number 16706949), trading as “Supreme Auto Expert,” together with its affiliated entities.

Our registered office is located at Cubo, The Old Post Office, Victoria Street, Derby, DE1 1EQ.

Within these Terms of Use, the expressions “Supreme Auto Expert,” “we,” “our,” and “us” refer to Supreme Auto Expert Limited. The terms “you” and “your’’ denote any individual or organisation accessing or using our services.  Before engaging with our services, you are strongly encouraged to read and fully understand the terms set out below.

1. User Agreement

1.1
Unlike some comparison platforms, this Website does not issue insurance quotations directly, as it lacks the regulatory authority to do so. Your access to and use of this Website are subject to these Terms and Conditions of Use (“Terms”). By accessing or using the Website, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not accept these Terms, you must immediately cease all access and use.

1.2
Any breach of these Terms will result in the immediate revocation of your right to access or use the Website.

1.3
This Website is intended solely for individuals aged 18 years or over who are residents of the United Kingdom. Please note that the information provided— including product details, pricing references, and descriptions— is updated regularly and may be withdrawn or amended at any time without notice.

1.4
We reserve the right to amend these Terms at our discretion. Any updates will take effect from the date they are posted on this Website. Continued use of the Website after such changes constitutes your acceptance of the revised Terms.

1.5
Supreme Auto Expert Limited acts solely as an assistant and administrative services provider and does not operate as an insurer.

1.6
Supreme Auto Expert Limited does not offer financial advice or personal recommendations regarding the suitability of any insurance policy. While we may outline or explain key features of available policies, the decision to proceed with any purchase remains entirely with the client.

1.7
Supreme Auto Expert Limited operates as an independent price-comparison and quotation-search service. We are not affiliated with, nor do we represent, any insurer or underwriter. Our role is exclusively to assist customers in sourcing potential quotations.

2. Data Protection & Confidentiality Statement

2.1
We are committed to safeguarding your personal information. For comprehensive details on how we collect, process, and protect the data you provide, please refer to our Privacy Policy, which forms an integral part of these Terms and governs your continued use of this Website.

2.2
We acknowledge and accept the obligations set out in our Privacy Policy and will comply fully with all applicable data-protection laws in handling any personal data we obtain from you.

3. Company Overview & Regulatory Status and Legal Notices

3.1 Scope of Services
Supreme Auto Expert does not carry out any activity regulated under the Financial Services and Markets Act 2000 (FSMA). Accordingly, we do not regulate, monitor, forward, administer, or establish insurance policies.
Our role is limited to providing access to available quotations and outlining their key features and benefits. The decision to proceed with, purchase, or arrange any policy rests solely with you as the client.

3.2 No Financial Advice
Nothing on this Website constitutes financial, investment, or insurance advice. Supreme Auto Expert does not provide recommendations regarding the suitability of any product.

3.3 Excluded Activities under FSMA
Under Section 19 of the FSMA and the Regulated Activities Order 2001 (RAO), our services do not include:

• Accepting deposits or arranging insurance cover
• Effecting or carrying out insurance contracts as principal
• Assisting in the administration or performance of an insurance contract

3.4 Other Financial Services Not Provided
Supreme Auto Expert does not engage in any of the following financial services activities, including but not limited to:

• Issuing electronic money
• Dealing in, arranging or managing, advising or safeguarding investments
• Arranging or advising on investments or home finance
• Operating a multilateral trading facility
• Establishing collective or stakeholder pension schemes
• Providing basic advice on stakeholder products
• Entering into funeral plan contracts or Lloyd’s market activities
• Entering into or administering any form of home finance activity

3.5 Legal Framework
If any provision of these Terms is found by a competent authority to be invalid or unenforceable, the remaining provisions will remain in full force and effect. English law governs these Terms, and both parties submit to the non-exclusive jurisdiction of the courts of England and Wales.
Unless expressly stated otherwise, these Terms create obligations only between Supreme Auto Expert and you, and no third party shall have any right to enforce them.

3.6 FSMA Regulatory Status & Data Protection Compliance
As confirmed above, Supreme Auto Expert is not required to be authorised or regulated by the Financial Conduct Authority (FCA) or the Prudential Regulation Authority (PRA).

With respect to personal and sensitive data:

• We are registered with the Information Commissioner’s Office (ICO) in compliance with the Data Protection Act 2018 and UK GDPR.

3.7 General Provisions

1. a) If any part of these Terms is determined to be legally invalid or unenforceable, that provision will be replaced with a valid, enforceable provision that most closely reflects the original intent, and the remaining terms will continue to apply.
   b) Failure by either party to enforce any provision or right under these Terms will not constitute a waiver of that right or of any future rights.
   c) These Terms of Use constitute the entire agreement between you and Supreme Auto Expert concerning your access to and use of this Website and supersede all prior agreements or understandings.

4. Products and External Links from External Provider

4.1 Availability of Products
You may apply for various products through this Website; however, all such products are provided by independent third-party providers over whom we have no control or authority. It is your responsibility to determine whether any product meets your needs before making a purchase. Prior to committing, you should carefully review the relevant product documentation. The inclusion of a product on this Website does not constitute our endorsement of the product, the provider, the content of the provider’s website, or the provider’s business activities.

4.2 Pricing
All product prices are stated in pounds sterling (£).

4.3 Limitation of Liability
We accept no responsibility or liability for any loss or damage—direct or indirect—that you or any third party may incur in connection with any product obtained through this Website, nor for any act, omission, error, or default by any third-party provider relating to that product.

4.4 Product Information
This Website provides generalised summaries of product terms, features, and inclusions to assist with comparison. As products may differ, it is your obligation to confirm the exact terms and conditions of any product you intend to purchase. Product information is intended solely for UK residents.

4.5 Offers and Contract Formation
By submitting your personal details via this Website, you are making an offer to acquire a product from a third-party provider. That offer may be accepted or declined at the provider’s discretion. A contract for the product is formed only when the provider accepts your offer and issues written confirmation. The product will then be supplied strictly in accordance with the provider’s own terms and conditions.

4.6 External Links
Our Website may include hyperlinks to external websites for your convenience. The presence of any link should not be interpreted as our approval or ratification of the linked website or its content. These external sites are owned and operated by independent third parties, and we accept no liability for any information, products, services, or statements accessible through them.

5. Disclosure Obligation

5.1 Principle of Utmost Good Faith
All quotations are issued on the basis of utmost good faith.

5.2 Obligation to Provide Accurate Information
You are required to act with complete honesty and integrity, supplying truthful and accurate information at all times—both when applying for a policy and throughout the policy’s duration.

5.3 Fair Presentation of Risk
A full and fair statement of all facts relevant to the risk must be provided. Failure to disclose complete and accurate material facts may render your policy invalid in the event of a claim or may result in an increased premium.

5.4 Definition of Material Circumstances
A circumstance is deemed material if it would influence the judgment of a prudent insurer in assessing the risk or determining the premium. You must therefore disclose all material facts and promptly update this information from initial enquiry through to the inception of cover and for the entire policy term. This duty applies equally to new policies, mid-term adjustments, renewals, cover extensions, endorsements, and claims.

5.5 Continuing and Overriding Duty
Your responsibility to provide material information is ongoing and overriding. The absence of specific questions in a proposal form or questionnaire does not remove the obligation to disclose relevant facts.
If you are uncertain whether particular information is material, please contact us for clarification.

6. Terms Governing Website Access

By accessing and using this Website, you agree that you will not engage in any activity that compromises its security, stability, or integrity, or that causes undue disruption or inconvenience to other users or to us.

Access is granted solely for personal, non-commercial use and is limited to residents of the United Kingdom.
Any unauthorised or commercial use is strictly prohibited, and we reserve the right to pursue appropriate remedies—including legal action—against any breach of these terms.

7. Our Remuneration and Service Scope

7.1 Nature of Our Service
We provide an independent price-searching service through this Website, enabling you to research and compare quotations for car, van, home and accident-management products supplied exclusively by third-party providers.
We are not an insurer, do not act as an intermediary or consultant, and provide no advice or recommendation as to the suitability of any policy for an individual or business.
Our role is limited to identifying competitive rates on a non-advisory basis. We may outline policy features, but the decision to purchase rests entirely with you, the client.

7.2 Fees, Accuracy of Information and Liability

• Service Fee: You pay us a service fee solely for conducting price-searching work. This fee is independent of any insurer’s charges, and we receive no commission from any insurer.
• Insurer’s Terms: Once you accept the terms and conditions of an insurer or broker and your payment is processed, any fees you pay to that insurer are governed by the insurer’s own terms. Some insurer payments may be non-refundable, so you must check this directly with the insurer.
• Incorrect Information: If your payment cannot be processed because of incorrect or incomplete details supplied by you (for example, undeclared accidents, penalties or NCB discrepancies), we reserve the right to recover our service fee even if no valid quotation can be arranged later.
• Similar Quotations: If a quotation generated through our search is later purchased, our charges may still apply, subject to circumstances.
• Policy Cancellation by Insurer: If an insurer cancels your policy on unfair terms, we may—at our discretion—refund all or part of our service fee, retaining up to £50 to cover administrative costs, even though we are not contractually obliged to do so.
• Client Responsibility: You must check all policy documents, statements of fact and updates provided by the insurer or broker. We do not monitor, administer or manage any policy once quotations are provided.

7.3 Appointment & Regulatory Position
In accordance with the Consumer Rights Act 2015 and the UK General Data Protection Regulation (GDPR), you authorise us to conduct market searches to obtain quotations or renewal comparisons based on the information you supply.
Supreme Auto Expert does not act as a broker or agent, makes no personal recommendations, and is not authorised or regulated by the Financial Conduct Authority (FCA).

7.4 Insurer Acceptance & Post-Quotation Adjustments
Some insurers may not accept third-party involvement in quotation searches. We therefore strongly recommend that you confirm directly with the insurer, before purchasing a policy, that it accepts quotations obtained through our service.

If your policy is cancelled within two months of receiving our quotation links and the cancellation results from an error on our part, we will either:

• re-search the market for you free of charge, or
• refund our service fee in full, subject to mutual agreement and supporting evidence.

Once you receive quotation links by email, you must check the details carefully. If you identify inaccuracies or omissions, you must amend these with the insurer before proceeding. Should the premium increase as a result of your amendments, we will—at our discretion—either adjust the difference against our service fee or conduct a new search free of charge, subject to the pricing algorithms of the comparison platforms.

8. Usage Rights

8.1 Personal Use Only
Access to this Website is granted solely for your own personal, non-commercial use, and is conditional upon your full compliance with these Terms of Use. Commercial exploitation of any part of this Website is strictly prohibited.

8.2 Protection of Website Security
You must not engage in any activity that could compromise the security, integrity, or availability of this Website or any data, information, or material stored within it.

8.3 Prohibited Activities
Without prior written consent, you agree not to:

1. a) Use any automated device or process—including spiders, robots, crawlers, or aggregation tools—to access, copy, or extract Website content.
   b) Copy, reproduce, distribute, or disclose any Website content except where expressly permitted by these Terms.
   c) Employ any method (such as data scraping, data mining, scripted responses, or automated collection) to obtain, process, replicate, reconfigure, republish, or repackage Website content.
   d) Merge or combine Website content with any other content, data, or material.
   e) Reverse engineer, decompile, disassemble, or otherwise attempt to determine the Website’s source code, algorithms, or proprietary processes.
   f) Use systematic, repetitive, or automated techniques designed to obtain a large number of quotations, comparisons, rankings, or pricing-related information.
   g) Obtain or attempt to obtain data from this Website in order to identify or discover pricing methodologies, underwriting practices, or business systems.
   h) Post, distribute, or transmit any spam, bulk communication, or other unsolicited material.

8.4 Unlawful or Fraudulent Use
You must not use this Website in any unlawful, fraudulent, or malicious manner.

8.5 Accuracy of Information Provided
Any information you submit through this Website must be true, accurate, current, and complete.

8.6 No Offer or Contractual Obligation
This Website is provided solely for quotation-search purposes. Supreme Auto Expert cannot bind any third-party provider, nor guarantee that any provider will supply a product to you.
Accordingly, nothing on this Website constitutes:

1. a) an offer by us or by any third-party provider to sell you any product, or
   b) the creation of any contractual relationship between you and Supreme Auto Expert or any third-party provider.

9. Rights to Proprietary Content

9.1 Trademarks
The name “Supreme Auto Expert,” whether represented in words, logos, symbols, or any combination thereof, is a registered or unregistered trademark of Supreme Auto Expert Limited or its group companies.

9.2 Ownership of Intellectual Property
All intellectual property rights in the materials, content, and design accessible on this Website are either owned by Supreme Auto Expert or licensed to us for authorised use.

9.3 Permitted Use of Trademarks
You may make fair and lawful use of the trademarks appearing on this Website only in accordance with these Terms and must not:

1. a) incorporate them into your own trademarks or branding;
   b) use them in a way that may cause confusion, mislead users, or damage Supreme Auto Expert’s reputation; or
   c) use them to endorse or imply association with products or services to which they do not relate.

9.4 Restrictions on Use of Intellectual Property
Except where expressly permitted in these Terms of Use, **no intellectual property rights belonging to Supreme Auto Expert or our licensors— including all content, graphics, and materials on this Website—may be copied, reproduced, published, distributed, or otherwise exploited without our prior written consent. 

10. Disclaimer of Warranties and Liability

10.1 “As-Is” Basis
This Website, together with all content and services, is provided strictly on an “as-is” and “as-available” basis. We make **no representations or warranties—express or implied—**as to its quality, accuracy, completeness, timeliness, reliability, fitness for a particular purpose, security, or freedom from errors or defects.

10.2 Accuracy and Reliance
While we make reasonable efforts to ensure that information on this Website is current and accurate, access and reliance are entirely at your own risk. We accept no responsibility or liability for any loss or damage arising from actions you take (or refrain from taking) based on the information provided.

10.3 Viruses and Harmful Code
We give no warranty that this Website is free of viruses, malicious code, or other harmful components that may adversely affect your technology or data.

10.4 Availability of the Website
Although we aim to provide uninterrupted access, we do not guarantee that the Website will always be available. We reserve the right to suspend, restrict, or terminate access at any time without notice.

10.5 Excluded Losses
To the fullest extent permitted by law, we shall not be liable for:

1. a) loss of use, profits, data, or any indirect, special, or consequential loss or damage, whether in contract, tort (including negligence) or otherwise, arising from:
   your use of, reliance upon, or inability to use this Website or its content;
   • the deletion, with or without notice, of any of your data or information stored on this Website;
     • delays, non-deliveries, service interruptions, or failures, including suspension or withdrawal of any part of the Website;
     • the removal of any content or communications you have sent or posted via the Website; or
     • any circumstance beyond our reasonable control.
2. b) any loss or damage not directly caused by us or which we could not reasonably have foreseen at the time of entering into our agreement with you.

10.6 Non-Excludable Liability
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability which cannot lawfully be excluded or limited.

11. Obligation to Compensate

You agree to indemnify and hold harmless Supreme Auto Expert, including its directors, officers, employees, agents, and contractors, against any and all losses, liabilities, damages, costs, or expenses (including reasonable legal fees) arising from or in connection with:

• any breach of these Terms of Use by you, or
• any misuse or unauthorised use of this Website.

12. Financial Services Compensation Scheme (FSCS)

Your insurer or service provider is normally protected by the Financial Services Compensation Scheme (FSCS).
If your insurer is unable to meet its financial obligations, you may be eligible for compensation under the FSCS.
The level and availability of compensation will depend on the type of business and the specific circumstances of the claim.

Please note that any separate services provided by us for which you pay a distinct service fee are outside the scope of the FSCS and such charges may be non-refundable.

For full details of the scheme, visit the FSCS website at www.fscs.org.uk or write to:
Financial Services Compensation Scheme, 7th Floor Chambers, Portsoken Street, London E1 8BN.

13. Understanding Price Estimates

We operate as an independent price-searching service and do not act as a broker, agent, or representative for any particular insurer. Our role is limited to providing links to comparison websites and other providers to help you identify the most competitive offers. If you would like us to manually complete quotation forms on your behalf, we can do so only with your explicit authorisation and accurate personal information.
Using the details you supply, we will manually search a range of providers to identify suitable cover.
This approach often involves more complex or higher-risk premiums, but it can also help you save both time and money.

Please note:

• We cannot tailor or modify any quotation unless your circumstances change.
• We cannot make alterations to any quote or policy after it has been issued.
• The quotations we provide exclude any additional charges that an insurer or broker may later apply if you request changes—such as a vehicle change or change of address—after a policy has been set up.

All personal data and payment information processed during the quotation process are handled in compliance with the Data Protection Act 2018 and the UK General Data Protection Regulation (GDPR).

14. Cost Declaration

You will normally receive quotation details within eight business hours, sent by SMS or email to the contact information you have provided. Once your quotation is available, we will follow up by telephone to explain key policy features and answer any questions you may have. The pricing we provide depends on the availability and performance of third-party platforms and the wider internet. In some circumstances, it may not be possible to supply a quotation. If this occurs, we will notify you promptly. When your quotation is ready, you will be contacted via telephone, SMS, or email.

15. Your Contractual Duties

You are required to complete all relevant forms fully and accurately, answering every question honestly and to the best of your knowledge.
If you are uncertain about any detail, you must disclose any information you believe may be material to the application.

Please note:

• Incorrect or incomplete answers may lead to your application being rejected or result in additional premiums, which the insurer reserves the right to collect.
• After purchasing a policy, you must review and, if necessary, correct any details directly with the broker or insurer from whom you buy the policy. Failure to do so may invalidate the policy.
• It is your sole responsibility to read and understand the Terms and Conditions of the product you are purchasing from the service provider. These details are typically accessible through the third-party web link supplied.

The Terms and Conditions you agree to with this Website relate only to our services and do not replace or modify the product-specific terms set by the insurer or broker.

16. Risk Stipulations

Insurance providers specialise in different levels of risk and will not issue quotations for risks outside their target market. The more your circumstances are classified as “high risk” or “non-standard,” the fewer quotations you are likely to receive. In some cases, it may not be possible to obtain an online quotation at all.

17. Underwriting and Claims Information Register

Insurance Industry Databases and Fraud Prevention

Insurers share information with several industry databases to verify application details and combat fraudulent claims.
These include:

• the Claims and Underwriting Exchange Register (CUE), operated by Database Services Limited (IDS Ltd);
• the Hunter Database, managed by MCL Software Ltd; and
• the Motor Insurers’ Anti-Fraud and Theft Register, maintained by the Association of British Insurers (ABI).

When you submit an application for cover, the insurer handling your request may search these and other relevant registers as part of its risk assessment.

Under the terms and conditions of your policy, you are required to notify your insurer of any incident—for example an accident or theft—regardless of fault and whether or not a claim is made.
Once notified, the insurer will record and share details of the incident with the above registers and any other relevant agencies or authorised bodies.

18. Motor Insurance Database (MID)

Your motor insurance policy details will be recorded on the Motor Insurance Database (MID), which is operated by the Motor Insurers’ Information Centre (MIIC).
Please allow up to seven days for your policy information to appear on the MID.

You can verify your own vehicle’s insurance record at www.askmid.com.
MID data may be accessed by:

• the DVLA and DVLNI to support Electronic Vehicle Licensing,
• the police, for the purpose of checking vehicle insurance status and preventing or detecting crime, and
• other UK insurers, the Motor Insurers’ Bureau (MIB), and the MIIC itself when investigating road traffic accidents—including incidents abroad.

Individuals pursuing a claim for a road traffic accident, including non-UK residents, may also obtain relevant insurance details held on the MID.
Further information is available at www.miic.org.uk.

19. Record of Accidents and the Claims & Underwriting Exchange (CUE)

Accidents and Claims Disclosure (CUE)

Any driver or policyholder who has experienced an accident or claim—whether at fault or not, whether a claim was made or merely reported—within the past five years must disclose this information at the application stage.

Failure to do so may:

• invalidate your policy, potentially resulting in cancellation fees, and
• lead to an increase in your current premium.

Insurers and brokers may verify your claims history through the Claims and Underwriting Exchange (CUE), the insurance industry’s central database of reported motor, home, and personal injury or industrial illness incidents.
This information may be used when assessing your application or ongoing policy.

20. Road Traffic Offences and Licence Disqualifications (DVLA)

Any driver who has incurred motoring convictions, fixed penalty notices, or driving disqualifications within the past five years must disclose this information at the application stage.

Failure to do so may:

• invalidate your policy, potentially resulting in cancellation charges, and
• lead to an increase in your current premium.

Insurers and brokers may also verify your driving record with the Driver and Vehicle Licensing Agency (DVLA), the UK Government body responsible for maintaining the national driver and vehicle databases.

21. No claims bonus (NCB) / No claims discount (NCD)

If you take out a policy that includes a No Claims Bonus (NCB), you are solely responsible for providing valid proof of that bonus.

Acceptable evidence must be either:

• a renewal notice, or
• an official letter from your previous insurer, confirming the main driver as the policyholder and clearly stating the NCB entitlement.

Please note:

• A policy schedule is not acceptable as proof and may be rejected.
• An NCB can only be applied to one policy at a time and must have been earned on a policy within the past 24 months.

22. UK Based Only

The products and services shown on this site are only offered to residents of the United Kingdom who are insuring their vehicles within Great Britain, Northern Ireland, and the Isle of Man (excluding the Channel Islands). By asking for a quote, you confirm that all drivers on your policy are UK residents and that if this status changes you will immediately inform the insurance provider.

23. Intellectual Property Rights (IPR)

All copyrighted material, trademarks, and brand identifiers on this Website are the property of Supreme Auto Expert or our licensors. You may download, copy, or store content from this Website solely for personal, non-commercial use. Any reproduction, distribution, or storage of content for commercial purposes is strictly prohibited. You must not use or reproduce any intellectual property or copyright material without prior written consent from us or the relevant rights holder.

24. Responsibility for Published Material

The information and materials on this Website are provided strictly on an “as-is” basis.
We make no representations or warranties of any kind—express or implied— regarding the content of this Website and expressly disclaim all such warranties, including but not limited to warranties of accuracy, completeness, suitability, fitness for a particular purpose, or freedom from error. This Website may contain technical inaccuracies or typographical errors. To the fullest extent permitted by law, we exclude all liability for any loss or damage arising from such errors or inaccuracies. We do not warrant that this Website or any linked website is free from viruses, malware, or other malicious code. You are responsible for using appropriate antivirus or security software. Neither we nor our employees, agents, or representatives shall be liable for any loss or damage of any kind—including, without limitation, direct, indirect, consequential, or compensatory losses, or loss of income, profit, data, or property, whether arising in contract, tort (including negligence), or otherwise, in connection with your use of this Website. Nothing in this clause seeks to limit or exclude any statutory rights you may have as a consumer, nor to exclude or restrict our liability for death or personal injury caused by our negligence or that of our employees or agents.

25. Service Fee Schedule

• Insurer’s Fees: Any fees or charges for policy amendments are detailed in your policy documentation and are payable directly to your insurer or cover provider.
• Our Service Charges:
  We provide non-obligatory quotations free of charge.
  However, if you choose to proceed using the quotations or their references, a separate service charge will apply for our price-searching service.
  This variable service charge is clearly included in the quotations we present and is payable to us once you have finalised your policy with your chosen provider.
• Accuracy of Information:
  You are responsible for supplying true and accurate information.
  If false or misleading details are provided and your policy is subsequently cancelled; our service charge will not be refunded.
• Independence of Charges:
  Our service charge is entirely independent of your insurer’s fees and is not shared with any product or service provider.
• Refunds and Adjustments:
  If you are dissatisfied with the standard of our service or experience inconvenience due to errors (including clerical or typographical mistakes), we may, at our discretion, reimburse part of the fee or refund it in full, subject to eligibility and verification.

26. Structure of Administration and Service Costs

In accordance with Trading Standards requirements, we clearly disclose our service charges in every quotation.
The SMS or email quotation you receive will state “Included All Charges” alongside the total price.

Our standard service fee ranges from £80.00 to £800.00 (all inclusive).
The exact charge depends on factors such as:

• the number of drivers included in each quotation request,
• any vehicle changes made during the search process, and
• the number of attempts required to complete quotation searches across comparison websites.

These charges are reviewed annually and may be adjusted accordingly.

27. Returns & Reimbursements

Our service is a professional, one-off, non-tangible quotation service.
Because the service fee reflects the time, expertise, and effort invested, the service charge is strictly non-refundable, under all circumstances. This fee is entirely independent of any insurer’s charges and is not connected to your insurance policy. It is a stand-alone payment for our quotation service and will not be refunded at any time.

28. Grievance Procedure

If you have a concern or complaint about our service or about your policy, please contact us in the first instance:

Telephone:0333 049 5088
(Monday–Friday, 9:00 a.m.–18:00 p.m., excluding Bank Holidays)
Email:info@supremeautoexpert.co.uk

If we are unable to resolve the matter by phone or email, you may write to:
Service Quality and Compliance Manager
(full postal address as shown in your documentation).

Information to Provide

Please include:

• your full name and address,
• a contact telephone number,
• your policy or quotation reference number, and
• a clear description of the issue.

If any details are missing, we will contact you by telephone or email to request further information.

Our Response

• We aim to acknowledge and resolve complaints within 7–14 working days.
• Depending on the nature of the matter, a final resolution may take up to four weeks.
• If a final response is not yet possible, we will write to explain the reason and provide an expected timeframe for our next update.

Remedies

If it is established that you have experienced inconvenience due to an error on our part—including clerical or typographical mistakes—we will, subject to eligibility, either:

• reimburse the difference, or
• refund the full amount of our service charge.

29. Breach of Trust/ Misrepresentation/Scam/Fraud

It constitutes fraud if you—or anyone acting on your behalf—misrepresent, falsify, or deliberately withhold material information at any stage of your policy: when applying, during the policy term, or at renewal.
This includes providing false, stolen, or misleading documents or concealing facts that could influence the insurer’s decision to issue, amend, or renew your policy.

If fraud is suspected, the insurer may, at its discretion:

• cancel or void your policy and any related policies at any time, and
• recover any costs incurred and retain any premiums paid.

30. Conclusion of Agreement

Termination of Access

We reserve the right, at our sole discretion, to issue a warning, impose a temporary or indefinite suspension, or terminate your right to use this Website if you:

30.1 Breach these Terms and Conditions or act inconsistently with their provisions.
30.2 Violate or attempt to violate the rights of other Website users or any third party.
30.3 Engage in any form of fraudulent or deceptive activity.
30.4 Threaten, abuse, or harass any Supreme Auto Expert employee, whether verbally, physically, or by any other means.
30.5 We further reserve the right to refuse any price-search requests or quotations at our discretion.

31. Jurisdictional Law in Force

31.1 These Terms of Use, together with your access to and use of this Website, shall be governed by and construed in accordance with the laws of the United Kingdom.

31.2 Both you and Supreme Auto Expert submit to the non-exclusive jurisdiction of the courts of the United Kingdom for any dispute arising from or in connection with these Terms of Use or your use of this Website.