Terms of Business and Initial Disclosure

Our Services

We are Independent Intermediaries who act on your behalf in arranging Insurance. We are authorised and regulated by the Financial Services Authority (FSA) the independent body that regulates financial services, under reference number 305940. It requires us to give you the following information, please use this to decide if our services are suitable to your needs. Our status may be checked with the FSA on their website, www.fsa.gov.uk/register or by telephone on 0845 6061234.

We represent a number of Insurers transacting general insurance but specialise in arranging Motor Insurance policies with extended foreign use. We will advise and make a recommendation from a range of insurers having assessed your demands and needs.

You will not have to pay a fee for our services other than those outlined in our Terms of Business and quotation summary. Other taxes and costs or both may exist in relation to the products and services offered by us which are not paid through, nor imposed, by us.

If a Commercial client would like to know the amount of commission we are paid in respect of their insurance contract, this information is available on request.

Premium Money

All premium moneys are held by us as agents of an insurer

Payment Of Premium By Bank Transfer

It is IMPERATIVE that payments credited to our bank account have enough information for us to identify the source.

We will NOT accept responsibility for cover not issued or policies lapsed due to our being unable to identify the policy to which the payment relates.

Claims

We do not act as claims adjusters but will assist our clients with the insurers claims procedure. We do not recover uninsured losses but providing you have effected an Uninsured Loss Recovery policy through this office we will assist you with their claims procedure. The Terms and Benefits will be outlined in the Uninsured Loss Recovery policy prospectus.

Disclosure of Information by client

We draw your attention to the Declaration and Signature on Insurer proposal forms. It is your responsibility to provide complete and accurate information to Insurers when you take out and also throughout the life of your policy, together with its renewal. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate cover. Please DO consult us if you are in any doubt.

Complaints

If you feel you have cause for complaint about our service, in the first instance please contact Stuart Collins at this office who will be pleased to assist you, alternatively contact the member of staff you were dealing with either verbally or in writing. They will take details of your concerns and we will then acknowledge in writing, advising you of who is dealing with the matter. A copy of our complaints handling procedures is available on request.

Should you not be satisfied with our final response, you may refer your case to the Financial Ombudsman Service, who are an independent body that arbitrates on complaints relating to general insurance. The Financial Ombudsman Service may be contacted on 0845 0801800. They may also be contacted by writing to South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

Data Protection

All personal information about you will be treated as private and confidential. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance and we will not disclose any information to other parties even when you are no longer a customer. We will not give anyone else any personal information about you except when you ask us or give us your permission, when we have to because we are a member of the Financial Services Authority, or when we have to by law.

If you wish us to accept instructions from a party other than yourself we will require you to supply us with a letter of authority stating the name of any person you wish to have this facility.

Charges

All Motor policies will be subject to an administration charge of £30.00. Any work carried out to the policy mid term will incur a fee of £10.00. On cancellation of a motor or breakdown policy we will DEDUCT from any return premium due the sum of 25% (return premiums are not allowed by an insurer once the policy has been the subject of a claim)

Cancellation

You have the right to cancel your policy during a period of 14 days after the later of either the day of purchase of the contract or the day on which you receive your policy documentation. If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid. Alternatively if you wish to do so and the insurance cover has already commenced you will be entitled to a refund of the premium paid subject to a deduction for the time for which you have been covered. This will be calculated on a pro-rata basis for the period in which you received cover and will include an additional charge to cover the administrative cost of providing the policy. The administration charge and Legal Expenses premiums are non refundable. On cancellation of a breakdown policy, no deduction will be made from the premium until the policy has been live for 14 days, at which point there will be a pro-rata return of premium, less 25%.

To exercise your right to cancel your policy, please contact us and we will advise the documentation required to cancel (in the case of a motor policy this will be the Certificate of Motor Insurance).

Choice of Law

The law of England and Wales will apply unless you and the Insurer agree otherwise.

Telephone Recording

Telephone calls may be recorded or monitored