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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.
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.
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.
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.
Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your insurance is treated as being paid for), or we hold it in a client bank account on trust for you. We may need to transfer your money to another intermediary in some cases. However your money will be protected at all times because of the requirements of the Financial Services Authority rules. We also reserve the right to retain interest earned on this account.
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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We will provide you with documentary evidence in respect of any premiums, fees or charges paid by you.
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.
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.
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. If you remain dissatisfied a more formalised and detailed complaints procedure will be found in your policy documentation. If still dissatisfied you may be entitled to refer the matter to the Financial Ombudsman Service. 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.
Protecting your Information 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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By accepting these Terms of Business you are giving your consent for us to operate in this way |
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