Terms of Business
On this page the terms “we”, “our” or “us” relates to excessbuddy.com. The term “Provider” relates to the companies whose products will be shown on our website.
excessbuddy.com is a trading style of Rock Insurance Services Limited (ROCK). ROCK is a company registered in England and Wales, company number 04255878. ROCK is authorised and regulated by the Financial Conduct Authority as an Independent Intermediary. You can find information about us on the Financial Services Register at https://register.fca.org.uk/, searching by our name or our firm registration number 300317.
ROCK is an independent intermediary. This means that we search the market to find insurance products that we can bring to customers. We do this for our own brands as well as for partner brands.
ROCK has sourced car hire excess insurance products from two different insurers, and supplementary liability insurance from a single insurer.
excessbuddy.com is an exciting opportunity for ROCK to bring these products to you from our own panel of Providers. These Providers are either brands that are owned by ROCK or Provider brands that ROCK arranges and administers.
About our ownership
ROCK is part of ROCK Insurance Group which is a privately owned group of companies. We do not have a direct or indirect holding in any Insurer representing 10% or more of the voting rights or capital. No Insurer has any similar direct or indirect holding in ROCK.
About our services
We will provide you with a list of Providers’ products that will offer you cover based on the limited information you have provided to us during the quotation process. You will not receive any advice or a recommendation from us about these products.
We will ask some questions to help you compare the products supplied by Providers.
Amongst the Providers that may appear will be brands that are owned, just like us, by ROCK Insurance Group such as insurefor.com, Bigbluecover.com or MRLInsurance.co.uk.
We will not give any advice, recommendation or endorsement about the Providers shown on this website. It is up to you to make your own choice about their suitability and how to proceed. You will then be passed through to the relevant Provider to complete any purchase.
There are no fees and charges made for providing these services.
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 will pay a commission to us.
You must ensure that all information you supply to us or enter onto this website is complete and accurate. You will need to answer a number of questions in order to compare or obtain a quote for a product.
If you do not provide the correct information then this will affect the products and price shown to you, you might be asked to pay additional premiums to correct any errors or it could invalidate any policy you buy and it could mean that any claim might not be paid
What should you do if you are unhappy with our service?
At ROCK we will do everything possible to ensure that you receive a high standard of service. However, if you are not satisfied with the service received on this website and want to make a complaint, please let us know and we will try to resolve it as quickly as possible.
There are a number of ways you can register your complaint:
By email to
By telephone to
0800 091 3768
By post to
135 High Street
We will endeavour to resolve your complaint within 3 working days but if it is going to take longer to carry out a full investigation and provide an outcome then we will write to you within 5 working days to let you know. We will keep you up to date with progress and provide you with a final response before 40 working days. If you are still dissatisfied then you have six months from that point to refer the matter to the Financial Ombudsman Service for an independent view:
By email to
By telephone to
0800 023 4567
By post to
Financial Ombudsman Service
Harbour Exchange Square
If your complaint is regarding a product or service that you have purchased via this website then you can complain directly to the relevant product or service provider responsible for supplying the product or service about which you wish to complain.
If you wish to raise a formal dispute you can do so through the European Commission’s Online Dispute Resolution procedure. This procedure will help you to access the appropriate dispute resolution body.
We cannot answer complaints on behalf of a product or service provider or accept responsibility for any such complaints. We recommend that you visit the website of the product or service provider and follow their complaints procedure if you wish to make a complaint against them.