1. Introduction
At Rooster, we value clarity and transparency. These Terms of Business set out the legal contract between you and us, explaining the services we provide and your rights and responsibilities. You should also review our Privacy Policy and Cookie Policy, which govern how we handle your personal data.
2. About Rooster
Rooster Financial Services Ltd ("Rooster", "we", "us", "our") is an insurance intermediary registered in England and Wales (Company No: 13192646). Our registered office is 128 City Road, London, EC1V 2NX.
We are authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 954466. You can verify our status on the Financial Services Register: https://register.fca.org.uk/. We operate as an intermediary and do not provide personal financial advice.
3. Our Services
a) Rooster provides access to car insurance and related products from a wide range of insurers and insurance providers, including Markerstudy Insurance Services Ltd, Ageas, ERS, Sabre, Aviva, Covea, Prestige, and Allianz as an intermediary.
b) Additionally, we work with over 70 other providers, such as Hastings, Admiral, and AXA as an introducer. While we facilitate access to multiple providers, we do not provide personalised advice or recommendations—it is your responsibility to select the most suitable policy. Please note, if your policy has been bought through one of these providers, you will need to contact them directly to discuss the terms of your contract.
4. Payments, Fees & Charges
4A. How We Make Money
As an insurance intermediary, we make money by charging fees and receiving commissions from insurers for placing insurance business and arranging premium finance.
When you purchase car insurance by clicking through from Rooster to an insurance provider’s website, we receive a commission. This allows us to keep our service free for users.
We also earn referral fees and commissions when you take out other products through the app.
The below information is purely for Rooster's insurers as detailed in 3a above.
4B. Payments, Fees & Charges
All premiums, taxes, and fees payable will be clearly detailed before purchase.
Full Payment: The premium must be paid in full to us.
Monthly Payment Plans: If you choose to pay monthly, we will introduce you to a third-party finance provider who will assess your eligibility for credit. Rooster acts as a credit broker, not a lender.
Additional Charges
Mid-Term Adjustments: £30 fee for policy changes.
Missed/Late Payment: £25 fee per missed instalment.
Failure to Sign Credit Agreement: £25 charge.
Cancellation Fee: £50 if you cancel after the policy has started.
For any additional charges incurred with one of our providers, you will need to view your policy documents for their terms of contract, as we do not manage your policy, only provide the introduction to their rates/ products available.
5. Cancellation & Refunds
Your Right to Cancel
You have the right to cancel your policy at anytime. A pro-rata refund will be issued minus the cancellation fee (£50) and any insurer charges, as long as you have no open claim, or fault claim on your policy, and no third party is claiming against you. In this instance the full annual premium will be due.
Cancellation by Rooster: We may cancel your policy if you fail to meet payment obligations, commit fraud, or provide false information. We will provide at least 7 days' notice.
Refunds
Refunds will be processed within 21 days to the original payment method.
If you have an outstanding finance agreement, the refund will be applied toward the remaining balance.
6. Continuous Payment Authority (CPA)
By purchasing a policy, you authorise Rooster to collect future payments using the card details provided. This may include missed instalments, policy changes, or early cancellation charges.
How to Cancel CPA: You can revoke CPA at any time by contacting us at hello@joinrooster.co.uk or through Live Chat in the app.
7. Debt Collection & Defaults
If you default on a payment:
We will issue at least two written notices before referring the debt to a collection agency.
Additional collection fees may apply if external recovery agents are used.
A default may impact your credit rating and future eligibility for insurance.
8. Credit Checks
Rooster or our finance partners may conduct soft credit checks when you apply for insurance, which do not affect your credit score. If you apply for monthly payments, a hard credit check may be performed by the lender, which will appear on your credit report.
9. Data Protection & Privacy
Rooster is committed to protecting your personal data.
We only share data with insurers, finance providers, and credit agencies as necessary for underwriting and policy administration.
Your data will be retained for up to 7 years after policy expiry in compliance with UK GDPR.
You have the right to access, rectify, or delete your data. Requests can be made via hello@joinrooster.co.uk.
10. Claims Handling
You must notify your insurer of any accident or claim as soon as possible, either via Rooster Accident Assist or directly with the insurer. Certain claims require additional documentation (e.g., police reports). If you cancel your policy after making a claim, you must pay the full premium due for the policy term.
11. Complaints Handling
We strive for excellent service. If you have a complaint:
Email: hello@joinrooster.co.uk
Post: Rooster Customer Relations, 128 City Road, London, EC1V 2NX
We will acknowledge complaints within 5 business days and aim to resolve them within 8 weeks. If unresolved, you can escalate to the Financial Ombudsman Service (FOS):
Website: www.financial-ombudsman.org.uk
Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
12. Governing Law & Dispute Resolution
These Terms are governed by English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts.
If a provision of these Terms is found to be invalid or unenforceable, the remainder shall remain in effect.
13. Changes to These Terms
Rooster reserves the right to modify these Terms at any time. Updates will be published on our website and take immediate effect.
14. Some Final Points
Severability: If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision will be deemed severed from the rest of these Terms, and the validity of the remaining provisions will not be affected.
Non-Waiver: If we do not enforce a particular term immediately, we are still entitled to enforce it at a later date.
Third-Party Rights: Unless expressly stated, no one other than you or us has any right to enforce any term under the Contracts (Rights of Third Parties) Act 1999.
Survival of Terms: Any provisions of these Terms that are intended to continue after termination of your policy or contract with us will remain in effect.
Rooster reserves the right to modify these Terms at any time. Updates will be published on our website and take immediate effect.