Rooster Terms of Business & Platform Terms of Use

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.
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They cover:

  • Our role as an insurance intermediary, introducer, and platform

  • Your use of our app, website, and digital services

You agree to these Terms by using our services. If you don’t agree, don’t use them. See also our Privacy Policy and Cookie Policy.

1. About Rooster
Rooster Financial Services Ltd (“Rooster”, “we”, “us”, “our”) is registered in England and Wales (Company No. 13192646), with its registered office at 128 City Road, London, EC1V 2NX.
We are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 954466. You can check our status at FCA Register.


Rooster acts as a platform offering car insurance and vehicle-related services through a mix of broker, intermediary, and introducer arrangements. We do not provide personal financial advice.

2. Our Services
We provide access to car insurance and related products from a range of insurers, including Markerstudy, Ageas, ERS, Sabre, Aviva, Covea, Prestige, and Allianz as an intermediary. Additionally, we work with over 70 other providers, such as Hastings, Admiral, and AXA as an introducer. We facilitate access to these providers, but it is your responsibility to select the most suitable policy. If your policy has been bought through one of these providers, you must contact them directly to arrange, amend, or cancel your policy and to resolve any disputes.
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We also offer other vehicle-related services (like MOTs, servicing, repairs, breakdown, fuel discounts, accident assistance, and more) through third-party providers. We earn commission or referral fees but do not control or guarantee these services. You must contact the third-party provider directly to arrange, amend, or cancel these services and to resolve any disputes.

3. Payments, Fees & Charges
We earn money by charging fees and receiving commissions from insurers for placing insurance business and arranging premium finance. When you purchase insurance through our platform or via a referral link, we receive commission. We also earn commission and referral fees from third-party providers when you use the wider platform to access MOTs, servicing, repairs, breakdown, fuel discounts, accident assistance, and other vehicle-related services. This income allows us to keep much of our service free for users.
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Brokered policies only:

  • Full payment: premium is payable in full to us

  • Monthly payment plans: we act as a credit broker introducing you to a third-party lender

  • Mid-term adjustments: £30 (applies when you make changes to your policy during its term)

  • Missed/late payment: £25 per instalment

  • Failure to sign credit agreement: £25

  • Cancellation (after policy starts): £50 (plus insurer charges)

If Premium Credit cancels your credit agreement due to missed payments:

  • We will invoice you for the missed instalment, payable by the end of the next working day

  • Once paid, we will endeavour to reinstate your agreement with Premium Credit, but they may refuse

  • If refused, you must pay the remaining premium in full directly to us to maintain your policy

  • If the missed instalment is not paid on time, your policy will be cancelled without further notice

For services arranged through a third party, their fees and terms apply.

4. Cancellation & Refunds
You can cancel at any time. We’ll refund any premium due minus the £50 cancellation fee and insurer charges, provided:

  • There’s no open/fault claim

  • No third-party claim has been made

Refunds are usually processed within 21 days. If you have a credit agreement, any refund will be applied to the outstanding loan balance first. For third-party services, contact the provider directly.

5. Continuous Payment Authority (CPA)

By purchasing a policy, you authorise us to take payments from your card for instalments, changes, or cancellation charges. You can revoke CPA anytime by contacting us.

6. Debt Collection & Defaults
If you default on a payment:

  • We will contact you by email, Live Chat, and SMS

  • You must pay within 1 working day

  • If unpaid, your policy may be cancelled, and the debt referred to a collection agency, which could impact your credit record

7. Credit Checks
We or our finance partners may conduct soft or hard credit checks. Soft checks don’t affect your score; hard checks (for monthly plans) appear on your record.

8. Data & Privacy
We use external data sources — such as DVLA checks, insurer databases, and automated tools — to verify vehicle, licence and risk details. We process your data under our Privacy Policy and UK GDPR. By using Rooster, you consent to these checks.

9. 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. If you cancel after a claim, you may still owe the full premium.

10. Complaints
We aim to deliver excellent service, but if you feel something’s gone wrong, please let us know.
You can complain to us:

  • By post: Complaints Manager, Rooster, 128 City Road, London, EC1V 2NX

  • Or via the Live Chat function in the app

We will:

  • Acknowledge your complaint within 5 business days

  • Aim to resolve within 8 weeks

  • Send you our final response in writing

If unresolved or if you’re unhappy, contact the Financial Ombudsman Service (FOS) within 6 months:

11. Treating Customers Fairly
We’re committed to:

  • Clear, timely information to help you decide

  • Products and services that meet our target customers’ needs

  • Support for vulnerable or disadvantaged customers

  • Fair and prompt correction when things go wrong

12. Vulnerable Customers
We understand some customers need extra support. If you’re in a vulnerable situation (e.g. due to health, bereavement, financial hardship, language or literacy), please tell us early — we’ll do our best to help.
More: Rooster Vulnerable Customer Policy

13. Platform Use
These terms also govern your use of our app, website, and platform.
Unacceptable Use:

  • Do not copy, reverse engineer, scrape, or tamper with the platform

  • Do not upload viruses or illegal, offensive content

  • Do not harass, defraud or harm others

  • Do not gain unauthorised access to our systems

  • Do not disrupt others’ use of the platform

We may suspend or block your access if you breach these rules.
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Intellectual Property
All platform content, branding and software belong to us or our licensors.


Liability Disclaimer
We provide the platform “as is”, without guarantees it will always be available or error free. We’re not liable for indirect or consequential losses, loss of data, or downtime except for death, injury, or fraud caused by us.


Links to Third Party Sites
We may link to external sites — we don’t control them and aren’t responsible for their content, terms, or actions.
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App Store Providers
If you download the app via Apple or Google:

  • They’re not responsible for the app or its content

  • Their terms also apply

  • Contact us, not them, for support

14. Additional Platform Terms

  • We aim to keep the platform available but can’t guarantee it will always be uninterrupted.

  • You can delete your account anytime; we may suspend or terminate access if you breach these terms.

  • You must be at least 18 years old and legally able to enter into contracts in the UK to purchase or arrange insurance or any financial products through our platform.

  • If you are under 18, you may still use the informational and non‑contractual features of the platform, but you cannot enter into any contracts, purchase insurance, or arrange finance through us.

  • You are responsible for content you submit and must not violate laws or others’ rights.

  • We aim to make our platform accessible and to support users with additional needs.

  • All platform information is general and not professional advice.

15. Termination
We may suspend or terminate your access if you breach these terms.

16. Governing Law
These terms are governed by English law. Disputes are subject to the exclusive jurisdiction of the English courts.

17. Changes
We may update these terms at any time. Continued use means you accept them.

18. Final Points

  • Severability: If any term is invalid, the rest remains valid

  • Non Waiver: Not enforcing a term immediately doesn’t waive it

  • Third Party Rights: Only you and we can enforce these terms

  • Survival: Some provisions continue after your account or policy ends

Contact Us
Questions or feedback?
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