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Introduction
Our
services include arranging any general insurance for you such as motor vehicles
i.e. private car, motorcycles and commercial vehicles (vans, lorries and special
vehicles), household, commercial (shops, offices, factories, contractors, etc)
and travel. We do not arrange any other regulated business covered by the Financial
Services Authority such as pensions and investments. Quotations These
are entirely based on the information that you provide to us at the time that
the quotation is given. The quotation is guaranteed for the period stated. If we
give a verbal quotation we will confirm this in writing to you. Where possible we will provide quotations from our full panel of insurers. However there may be some instances where it is necessary to obtain quotations from a restricted number of insurers or from a single insurer only. Where this is the case we will disclose that information to you. Your
Responsibility It
is your duty to provide us with complete and accurate information to allow the
Insurer to make the decision to accept the risk and incept the policy. You also
have an ongoing duty during the life of the policy and when you renew your
insurance, to disclose any information that alters the risk from that which was
disclosed at the outset of the policy. It is important that you ensure that all
statements you make on proposal forms, claim forms, and other documents are full
and accurate. Failure to disclose any material information may invalidate
your insurance and could mean that part of, or all of a claim, may not be paid.
You must return to us any document that we request or that is requested by the
Insurers. You will pay all sums due to us as requested.. Provision
of Information and Documentation We
will provide you with full policy documentation so you can check your policy
details, confirm the period of cover and have available any certificates or
documentation you must have by law. This also applies to any changes you wish to
make to your policy during its period of cover. At renewal time we will notify
you of, the date when cover will cease, in time to allow alternative cover to be
arranged if necessary, any changes to the policy cover, an/or Insurer being
offered, and provide you with any documentation that you may need by law.
Our
Charges We
will provide you with details of the cost of each policy and we will not impose
any fees or charges in addition to the premium required without first disclosing
the amount and purpose of the charge to you. This will include, but not be
limited to, charges for placing the insurance initially, policy renewals,
amendments, and claims handling. If you cancel a policy we reserve the right to
charge an additional fee to cover our administration costs. |
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Proof
of Payment We
will provide you with documentary evidence in respect of any premiums, fees or
charges paid by you. Cancellation
Facility for Retail Clients As a customer right you have a period of 14 days from the date of inception of the policy to cancel it. You may cancel your cover within this period and obtain a pro-rata refund of premium paid, as long as no claims have been made during that period.
Policy Premium Refunds You have the right to cancel any policy we arrange on your behalf by providing us with a written request to do so. We and the Insurers also reserve the right to cancel, should you or any of your appointed representatives act on an uncivilised or illegal manner, or default on payment, or do not provide requested information or documentation in good time. If the policy is cancelled, or expires, we will send all documentation you are entitled to receive. Refunds
on cancellations vary from insurer to insurer and are made at the discretion of
the underwriters. You must be aware that refunds are not normally given after a
claim is made. Where a policy is issued on the basis that no refund of premium
will be made for cancellation then we will advise you of this condition before
the policy is initiated. Where refunds are given they may be calculated on a Short
Period scale. This is weighted in the Insurers' favour, as their
costs in setting up the policy are the same whether the policy runs for one day
or the whole year.
Claims In the event of you having to make a claim you should contact your Insurer direct, as detailed in the Insurer's policy document. If this is not to hand or you have any difficulty with the Insurer, then please seek our assistance. You will provide us with any information and documentation that either we, or your Insurers' request in order to progress the claim. If we receive any settlement payment on your behalf from Insurers we will forward this to you immediately.
Complaints We
intend to provide you with a high level of service at all times. However, if you
think you have just cause to be dissatisfied with, or unhappy about, that
service or insurance cover, please contact in the first instance Mr Roger
Sharman, a director of this company,
who will be pleased to help you. We
will provide written acknowledgement of your complaint within five working days
of its’ receipt, unless a full response is possible in that time. A
full written response will be provided (or a partial response with an
explanation of the current situation and time scale for a full response) within
twenty working days. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Data
Protection The Data we hold on our computer system about you is copied to a security tape and stored in a safe place each working day. You have a right of access to your own personal data held on our system and this includes both paper and electronic files. If you wish to see this information you must apply to us in writing for it to be copied or printed out. We may make a charge for the provision of any such copy. |
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