Our Service

In arranging insurance for our customers, we act as an Independent Intermediary authorised & regulated by the Financial Services Authority (FSA). Details of our status can be checked by visiting the FSA website at www.fsa.gov.uk or by telephone on 0845 606 1234. Our service includes advising you on your insurance needs, arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. We can also assist you with making a claim.

To ensure our insurers and credit providers have the necessary facts to assess your insurance risk, verify your identity, to help prevent fraud and to provide you with their best premium and payment options, they may obtain information from third parties at quotation and renewal and in certain circumstances where policy amendments are requested.

This information includes a quotation search from a credit referencing agency. This search will appear on your credit report and will be visible to other credit providers.

It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments.

Insurers may also obtain publically available information from third parties, for the purpose of identity verification and fraud prevention, including a credit reference agency. Their search will appear on your credit report whether or not your applications proceed but will not impact your credit history.

You should be aware that insurers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third party claimants.

Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL. Insurers may use this information to consider whether to accept the risk.

Disclosure

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of the policy, and when you renew your insurance. Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance policy being invalid or cover not operating fully.

It if important that you ensure all statements you make on proposal forms, claims forms and other documents, are full and accurate. If a form is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing the document.

You are reminded that it is an offence under the Road Traffic Act to make any false statement or withhold any relevant information to obtain a certificate of motor insurance.

Please note that under the Rehabilitation of Offenders Act 1974 you are not required to disclose convictions regarded as “Spent”.

You are advised to keep copies of any correspondence you send to us or direct to your insurer.

If you are in any doubt whether information is material, you should disclose it.

Cooling Off

We will give you enough information and help so you can make an informed decision before you make a final commitment to buy your insurance policy. However, you will have 14 days to change your mind and cancel the insurance contract from the date you receive the policy documentation. This applies to consumer clients only.

New Business Terms and Conditions

Cover and premiums quoted are based on the information given by you at the quotation stage and subject to a satisfactory completed proposal form. Proposal forms are to be received In our office within 14 days of commencement of cover. Copy driving license(s) must be received in our office within 14 days of commencement of cover. No claims bonus proof (if applicable) must be received In our office within the period of the first cover note. Please note that should items requested not be received in our office within the stated periods no further cover will be issued and a time on risk chare will apply.

Confidentiality and Data Protection

All personal and sensitive information about our customers is treated as Private and Confidential.

We will only use and disclose the information we have about customers in the normal course of arranging and administering their insurances, and will not disclose any information to any other parties without their written consent. Unless we are notified of any changes, we shall assume the personal and sensitive data we hold about our customers is correct, and shall use it to provide quotations when policies fall due for renewal.

In the interests of security and to improve our service, telephone calls you make to us may be monitored and/or recorded.

We may pass information about you to credit reference agencies for the purpose of arranging payments by instalments, and may also pass to them details or your payment record with us.

Under the Data Protection Act 1998, individuals have a right to see personal information about them that we hold in our records. A charge may be made for this service. If you wish to exercise this right, or have any other related queries, you should write to us at the below address.

Motor and Home Insurance Anti Fraud Registers

Insurers share information with each other via the Claims and Underwriting Exchange Register, and the Motor Insurance Anti-Fraud and Theft Register, to aid the prevention of fraudulent claims.

In the event of a claim, the information you supply on the claim form, together with any other information relating to the claim, will be put on the Registers.

Motor Insurer Information Centre (MIIC)

Insurers are legally required to provide details of motor insurance policies to the MIIC. The information describing your insurance cover will be added to the Motor Insurance Database (MID), to which the police and other government agencies have access. This helps the pursuance of claims following accidents and aids detection of those who are in contravention of the law by not taking out insurance. Motor Trade updates to be carried out by the Insured or if required by us £75 per annum.

Use of Marketing Purposes

We may use information held about you, to provide you with information about other products and services that we feel may be appropriate to you, by email, telephone, post or other means.

You may exercise your right to give notice to stop data being processed for marketing purposes by contacting us at any time. Please contact us on the above telephone number or write to us at the above address.

Claims

We have no authority to handle claims on behalf of insurers. In the event of an incident occurring that may give rise to a claim under your policy, you should notify the insurer direct as soon as possible using the contact details in your policy documents.

When we receive notification of an incident that might give rise to a claim under your policy, we will inform the insurer without delay and in any event, within 2 working days.

We shall use our best endeavors when acting on your behalf in relation to a claim, to handle all the elements of the claim with due care, skill and diligence.

We will advise you promptly to insurers’ requirements concerning claims, including the provision, as soon as possible, of information required to establish the nature and extent of a loss.

If there is any conflict of interest, we shall only handle a claim on your behalf after we have disclosed to you all information you require, to enable you to decide whether to give your informed consent, and you have given that consent.

We will forward any payments received from insurers in respect of any claim, to you without delay.

We will notify your of any request for information we receive from your insurers.

Complaints

It is our intention to provide you with a high level of customer service at all times. If there are occasions when we do not meet these standards, please contact the member of staff you were dealing with, either verbally or in writing. They will take details of your concern and we will then acknowledge in writing, advising you of who is dealing with the matter. A copy of our full Complaints Handling Procedures is available on request.

Premiums

The FSA rules are designed to protect you in the event that an insurance intermediary fails or is unable to transfer:

a) any premiums money it has received from you to the insurers or
b) any return premium money that it has received from the insurers to you.

We are governed by strict rules relating to client money, set down by the FSA. Where we hold monies in a client bank account, we may earn interest on money held, which will be retained by us.

We will hold all client money separate from our own money with an approved bank in a designated statutory trust. We act as trustees of our clients monies and must meet certain legal and regulatory conditions.

We may transfer client money to another person, such as another broker or settlement agent, for the purpose of effecting a transaction on your behalf through that person. We do however, still remain responsible to you in respect of your money.

In order to be able to offer you credit facilities, we are registered under the Consumer Credit Act and our License Number is 081906.

We normally accept payment by cash, guaranteed cheque or the following credit/debit cards:

• Visa/Mastercard (a 2% charge applies to all credit card transactions)
• Delta/Switch/Electron/Maestro

You may be able to spread your payments through insurers’ Instalment schemes, a credit scheme with a third party finance provider, or a facility we have arranged ourselves. We will give you full information about your payment options when we discuss your insurance in detail.

Late Payments

When forwarding invoices these will clearly show the amount that is due on a given date (usually within 7 days of the invoice date). There is, however, a late payment charge added and clearly shown on the invoice, which will apply without further notification other than our reminder invoice, which will be sent to you on the 7th day or the original. Should further reminders be necessary these will include an additional charge to the original late payment charge.

Return Premiums

Return premiums usually arise if an insurance risk is reduced or a policy cancelled.

On a return premium, we repay commission on the amount to your insurers and this will be deducted from the final amount due to you.

If a policy is cancelled, we will refund any return premium due (after deduction of the commission and our charge).

In House Instalment Charges

If you pay over 3 instalments the following charges will be made:

Premiums between:

£100 – £500 additional £11 per instalment
£501 or over – additional 12% on total premium divided between 3 instalments (as appropriate)

Service Charges/Fees

Charges are to be no more than 25% of the annual premium paid. However, at the discretion of the company, this may be waived*.

Late payment charges, returned or unpaid cheques and admin charges – £25.00

Policy Terms, Conditions and Warranties

You should read through all policy terms, conditions and warranties shown on your policy documentation. Please ensure you understand them and are able to follow their requirements exactly. If not, please advise us immediately, as a breach of any terms, conditions or warranties may enable your insurer to terminate your policy from the date of that breach, and/or repudiate a claim under your policy.

Renewal Premiums Paid by Instalments

In good time before the renewal of your policy, we will provide you with the renewal premium and terms for the coming year.

If you have not contacted us before renewal date, we shall renew the policy automatically on your behalf. If you do not wish to renew the policy, please let us know as soon as possible. We should also advise you to cancel your direct debiting instruction with your bank prior to renewal date.

If it is your intention to renew the policy and no alterations required, no action is required by you, and the policy will renew automatically. We shall send your new certificates of insurance to you.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation scheme (“FSCS”). 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.

Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from FSCS.

Disclosure of Commission

If you would like to know the amount of commission that we are paid in respect of your insurance contract, this information is available on request.

Governing Law

This Agreement shall be governed by the law of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the English Courts.

Other Taxes or Costs

Other taxes or costs, or both, may exist in relation to the products and services offered by us that are not paid through, nor imposed by, us.

*Subject to change without notice at the Company’s discretion

Your acceptance of our Terms of Business will be assumed should we not receive any objections from you within 7 days of providing you with a copy.