Terms of Use

OneCompare primarily acts as an intermediary as defined in FAIS. We are not the party that pays your claim. The insurance contract you enter into is a direct contract between you and the insurer of your choice, and that insurer is the party responsible for assessing risk, accepting cover, and settling claims.

OneCompare does not collect, hold, or administer premiums on behalf of any insurer or policyholder. All premium payments are made directly by you to the insurer of the policy you have taken out, in accordance with that insurer’s own collection arrangements.

Any quotation displayed on the Website or sent to you is indicative, based on the information you provided and the information our partner insurers have made available. The premium and cover terms are not binding on any insurer until that insurer has carried out its own underwriting assessment and issued a policy schedule to you. The insurer may decline to offer cover, may offer cover on different terms, or may amend the premium after assessing your risk.

In accordance with the FAIS Act and the FSCA Conduct Standards, OneCompare maintains Professional Indemnity and Fidelity insurance appropriate to its category of FSP authorisation.

When you submit a quote request through our Website, we transmit the information you have provided to the insurance partners we have selected as appropriate to your profile. Each partner that wishes to provide a quotation will do so on the basis of its own rating model and its own assessment of the information available to it.

Our free policy review service compares your existing policy (where you have provided your current schedule) against alternatives available in the market. The review is intended to help you understand whether your current cover and pricing remain appropriate. It does not, on its own, constitute personal financial advice in the meaning of FAIS.

You are under no obligation to take up any quotation or recommendation generated through the Services. The decision to enter into any insurance contract is yours alone.

The Services are provided to you free of charge. OneCompare earns its income through commercial arrangements with the insurance partners on our panel. Those arrangements are disclosed in our Conflict of Interest Management Policy.

All content on the Website — including text, images, graphics, logos, trademarks, software, and the compilation of the foregoing — is owned by OneCompare or its licensors, and is protected by South African and international intellectual property law. The OneCompare name, logos, and other distinctive marks are unregistered or registered trademarks of OneCompare.

We grant you a non-exclusive, non-transferable, limited and revocable right to access and use the Website and its content for your own personal, non-commercial purposes in connection with the Services. This licence does not allow you to reproduce, modify, distribute, publicly display, sell, sublicense, or otherwise commercially exploit any of our content, whether for your own benefit or for the benefit of any third party, without our prior written consent.

Except as expressly set out in this section, nothing in these Terms grants you any right, title, or interest in any of OneCompare’s intellectual property.

Except as expressly stated in these Terms, the Website and the Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, OneCompare does not give any warranty, condition, or representation — whether express or implied — that the Website or the Services will be uninterrupted, error-free, fit for any particular purpose, or that any information obtained through them will be accurate, current, or complete.

To the maximum extent permitted by law, neither OneCompare nor its directors, employees, agents, or partners will be liable to you for any indirect, incidental, special, consequential, or punitive loss or damage arising out of or in connection with your use of the Website or the Services, including but not limited to loss of profit, loss of business, loss of data, or loss of goodwill.

Where any liability cannot be excluded by law, OneCompare’s total aggregate liability for any direct loss or damage arising out of or in connection with the Website or the Services will be limited to R10,000 (ten thousand Rand).

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under the Consumer Protection Act, 68 of 2008 ("CPA"), the Electronic Communications and Transactions Act, 25 of 2002 ("ECTA"), or other applicable law. Where a provision of these Terms purports to limit or exclude such liability, that provision must be read down to the extent permitted by law and the rest of these Terms will remain in force.

OneCompare is not liable for any act or omission of any insurer, including the decision to decline cover, decline a claim, or void a policy. Your remedies in respect of any insurer’s conduct lie against that insurer, including through the National Financial Ombud Scheme for South Africa.

This indemnity will not apply to the extent that any claim, loss, liability, cost, or expense arises from OneCompare’s own gross negligence or wilful misconduct.

If you have a complaint about the Services or your interaction with OneCompare, please first send full details by email to legal@onecompare.co.za. We will acknowledge your complaint within five business days and will work to resolve it within the timeframes set out in our complaints policy.

If your complaint is not resolved to your satisfaction, you may refer it to:

Sections of these Terms that by their nature should survive termination (including sections 6, 7, 10, 11, 12, 15, 16, and 17) will continue to apply after termination.

These Terms are governed by the laws of the Republic of South Africa. You and OneCompare submit to the non-exclusive jurisdiction of the South African courts in respect of any dispute arising out of or in connection with these Terms.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be severed from these Terms to the minimum extent necessary, and the remainder of these Terms will continue in full force and effect.

A failure or delay by OneCompare to enforce any right under these Terms is not a waiver of that right. A single or partial exercise of any right does not preclude any further exercise of that or any other right.

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to any successor in title or to any group company, without your consent, provided that the assignee will be bound by these Terms.

These Terms (together with our Privacy Policy and Conflict of Interest Management Policy) constitute the entire agreement between you and OneCompare in respect of the Website and the Services, and supersede any prior agreement, representation, or understanding.