We are authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 300031. You can check these details online using the Financial Services Register (accessible from www.fca.org.uk) or by contacting the Financial Conduct Authority Consumer Helpline on 0800 111 6768. We are also authorised by the FCA for consumer credit broking. We act for a number of lenders. In arranging insurance for our clients, we act as an Independent Intermediary. 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 in respect of non-investment policies. We can also assist you with making a claim. Please note our Uninsured Loss Recovery Scheme is not an insurance product and is not covered by Financial Conduct Authority (FCA) Regulations. We will give you full details of any such arrangements before you make any commitment on any product we offer you.
Your Duty of Disclosure
Consumers: It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your 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.
You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and statements you make as part of your insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part of or all of a claim may not be paid. Commercial customers: Where we arrange insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair representation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair representation of the risk and will be deemed to know what should reasonably have been revealed by the search. Your duty of fair representation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair representation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.
You are reminded that it is an offence under The Road Traffic Act to make any false statements 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'.
Protecting Your Information
All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims, complaints and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to Mr D Norris, Managing Director at the above address. We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information.
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.
Use for Marketing Purposes
We may use information held about you, to provide you with information about other products and services which we offer, and which we feel may be appropriate to you, by email, telephone, post or other means. You may exercise your right to stop data being processed for marketing purposes by contacting us at any time. Please call us on 01279 429024 or write to us at the above address.
We have no authority to handle claims on behalf of insurers. In the event of an incident occurring which may give rise to a claim under your policy, you should notify the insurer direct as soon as possible using the contact details in you policy document. If in doubt about whom you should contact, please contact us on the number above. 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 three working days. We shall use our best endeavours when acting on your behalf in relation to a claim, to handle all elements of the claim with due care, skill and diligence. We will advise you promptly of insurers' requirements concerning claims, including the provision 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 for us to handle the claim.
It is our intention to provide you with a high level of customer services at all times. If there are occasions when we do not meet your standards, please 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 them in writing, advising you of who is dealing with the matter. A copy of our full Complaints Handling Procedures is available on request. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0800 0234 567 and further information is available at //www.financial-ombudsman.org.uk/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.
Your Right To Cancel
You may have a statutory right to cancel a policy you take out through us within a short period. Please refer to your policy summary or your policy document for further details. If you cancel within the statutory cancellation period (where this applies) you will receive a pro rata refund of premium from the insurer. Insurers are also entitled to make an administrative charge. In addition, we may keep an amount which reflects the administrative costs of arranging and cancelling the policy. Details of these amounts are given in our tariff of administration charges. If you wish to cancel outside the statutory cancellation period (where this applies) you may not receive a pro rata refund of premium.
In addition, we may also keep an amount that reflects the administrative costs of arranging and cancelling the policy (see tariff of administration charges). Details of these amounts are given in our tariff of administration charges. Your policy may be cancelled at any time by either party in writing by giving 7 days notice. If you wish to give notice of cancellation, please write to us at the above address. If we wish to cancel your policy, we shall write to you at the last known address we have for you on our record
Premiums and Financial Aspects
We normally accept payment by guaranteed cheque, cash or credit/debit cards. You may be able to spread your payments through insurer's instalment schemes or a credit scheme with a third party finance provider. We will give you full information about your payment
Premiums that we collect from you are held in an insurance broking bank account specifically used for the purpose of holding client premiums. By virtue of agreements we hold with insurers, we collect premiums as agent of the insurer. Therefore, once we have collected premiums from you under the terms of our agreements with insurers, those premiums are treated as having been paid to the insurer. We will remit the premiums to insurers, after deduction of our commission, in accordance with the terms of our agreements with insurers.
Protecting Your Money
Premiums that we collect from you will be segregated into and held in a Client Money Bank Account. The client money will be held by us as trustee on your behalf. The Client Money Bank Account is set up as a trust governed by FCA rules. We may agree to extend credit to other customers using client money from the Client Money Bank Account. We shall have in place, and maintain, systems and controls adequate to ensure that we are able to monitor and manage client money transactions and any credit risk arising from the operation of the trust arrangement. If we become insolvent, the terms of the trust dictate that customers will have a prior claim on the client money in the Account according to their respective interests in the client money. The costs relating to distribution of client money may have to be borne by the trust. Some insurance policies may be arranged through a second intermediary. If this is the case, monies we receive may be passed to another firm, all companies we arrange insurances through will be authorised by the Financial Conduct Authority.
Disclosure of Commission
If you would like to know the amount of commission that we are paid in respect of your insurance contract or premium finance, this information is available on request.
Earning Interest on Customers' Premium
We hold premiums that you pay to us in a Client Money Bank Account. Under FCA Regulations we have to inform you that we may earn interest from the money held in our Client Money Bank Account which may exceed £20 for any one transaction that you make with us. Our policy on the payment of interest is that all interest earned on client money in the Client Money Bank Account becomes the firms' money and will be transferred into the firm's office account. By accepting these Terms of Business, you are giving your consent for us to act in the manner described in this section.
Segregation of Investments
We hold premiums that you pay us in a Client Money Bank Account. We may invest these premiums in a range of permitted designated investments as prescribed by FCA Regulations. In the event that there is any shortfall in our client money resource attributable to falls in the market value of any of these permitted designated investments, we shall make provision for, and bear the cost of, any such shortfall. By accepting these Terms of Business, you are giving your consent for us to act in the manner described in this Section.
Tariff of Charges
As an Independent Intermediary, we are paid commission by your insurance company, details of which are available on request. We also make the following charges to cover the administration of your insurance:-
Arranging New Policies
*This is the standard charge, we reserve the right to increase this figure but only to an amount reasonable to the time involved in arranging or amending policies or in lieu of reduced commissions. The above fees/charges are NON-refundable. Any additional charges and/or other taxes or costs, that may exist in relation to the products and services offered by us which are not paid through, nor imposed, by us, will be advised to you in advance.
Return Premiums (usually arising if an insurance risk is reduced or policy cancelled)
On a return premium, we repay commission on the amount to your insurer and this will be deducted from the final amount due to you. If the policy is cancelled, we will refund any return premium due (after deduction of commission and our charge).
All quotations are subject to change in respect of the amount of premium indicated, and/or the terms and conditions that are applied.
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. You are advised to keep copies of all correspondence you send or receive in respect of your insurance policy
Renewal premiums paid by instalments
In good time before the renewal of you policy, we shall contact you with the renewal premium and terms for the coming year.
If you have not contacted us before the renewal date, we shall renew the policy as soon as possible. If you do NOT wish to renew the policy, please let us know prior to renewal date. We should advise you to cancel your direct debiting instruction with your bank.
If it is your intention to renew the policy, no action is required by you, and the policy will renew automatically. We shall send you a new certificate of insurance to you.
This Agreement shall be governed by the laws of England and Wales and the parties agree herewith that any disputes arising out of it shall be subject to the exclusive jurisdiction of the English Courts. This Agreement shall be governed by the laws of Scotland and the parties agree herewith that any disputes arising out of it shall be subject to the exclusive jurisdiction of the Scottish Courts.
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. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. The scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting www.fscs.org.uk.