Regulatory Disclaimer

Effective date: 01/07/25

Looma is a technology platform designed to help people better understand and manage their motor insurance by providing insights, analysis, and tools based on user-provided information and data obtained with the user’s permission.

Looma is not an insurance company and does not underwrite, issue, or administer insurance policies.

Financial & Insurance Information

The information provided by Looma, including any scores, insights, recommendations, comparisons, or guidance, is for informational purposes only.

Nothing on this website constitutes:

  • insurance advice,
  • a personal recommendation, or
  • an offer or solicitation to buy or sell an insurance product.

Insurance products are offered and provided by third-party insurers or insurance intermediaries, and any contract of insurance is entered into directly between the user and the relevant provider.

Looma Scores & Insights

Looma may generate scores, indicators, or insights relating to insurance risk, value, or behaviour (for example, a “Looma Score”).

These scores:

  • are derived from data supplied by the user and/or obtained via authorised data requests,
  • are indicative only, and
  • do not guarantee the availability, price, or terms of any insurance product.

Different insurers use different underwriting criteria, and individual insurers may place varying weight on the factors highlighted by Looma.

No Guarantee of Outcomes

While Looma aims to provide accurate, helpful, and up-to-date information, we do not guarantee that:

  • using Looma will result in lower premiums,
  • insurance will be offered on particular terms, or
  • any specific outcome will be achieved.

Users remain responsible for reviewing all policy documentation and ensuring that any insurance product meets their needs.

Regulatory Status

One Looma Limited is a UK-registered company.

Where Looma facilitates access to insurance products or enables introductions to third-party providers, this may be done:

  • as an information service, or
  • via authorised third parties who are regulated by the Financial Conduct Authority (FCA).

Where required, Looma will operate under the appropriate regulatory permissions or through authorised partners.

Further regulatory disclosures will be made available as Looma’s services evolve.

Data & Consent

Looma places a strong emphasis on transparency and user consent.

Any use of personal data, including the retrieval of data from third parties (such as insurers or data providers), is performed only with the user’s explicit permission and in accordance with applicable data protection laws.

For more information, please see our Privacy Policy.

Liability

To the fullest extent permitted by law, Looma shall not be liable for any loss or damage arising from:

  • reliance on information provided through the platform, or
  • decisions made by users based on Looma’s insights or tools.

This does not exclude or limit liability where it would be unlawful to do so.