1. |
Our Service |
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We are an independent insurance intermediary. This means that we
act on your behalf in arranging your insurance.
Our service includes: advising you on your insurance needs, arranging
cover with insurers to meet your requirements and helping
you with any ongoing changes you have to make.
As part of our service we will also try to assist
you with any claim you have to make. |
| 2. |
Who Regulates Us? |
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We are authorised and regulated by the Financial Services Authority.
Our FSA Register number is 306499. You can check this information
on the FSA Register by telephoning 0845 606 1234 or visiting
the FSA web site http://www.fsa.gov.uk/register |
| 3. |
Whose Products do we offer? |
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We offer products from a number of insurers for commercial and retail
clients other than in respect of Self Catering Insurances where
our exclusive scheme is underwritten by Allianz Insurance plc, and
for musical instruments underwritten by Allianz Insurance Musical
Instruments. You can ask us for a list of the insurers we deal
with.
Uninsured loss recovery legal expenses insurance, in connection
with motor insurance, is arranged with a single insurer,
DAS Legal Expenses. |
4. |
Information on Costs |
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You will not have to pay any fee for our services.
If we need to make any other charge for arranging your
insurance we will confirm the amount before you make
any commitment. Please note that some Insurers impose
minimum premiums on mid-term cancellation.
We accept payment by cheque. Some insurers will
accept payment by Visa or MasterCard. You may also be able
to spread your payments through Insurers’ instalment schemes. |
5. |
Your Duty to give Information |
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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.
It is important that you ensure that all statements you make on
proposal forms, claim forms and other documents are full
and accurate.
Please note that if you fail to disclose any material information
to your insurers this could invalidate your claim and could
mean that part or all of a claim may not be paid.
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| 6. |
Confidentiality |
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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 will not disclose any information to any
other parties without your consent.
We may use information we hold about you to provide
you with details of other products and services which we
feel may be appropriate to you. If you do not wish to receive
such details please let us know.
Under the Data Protection Act 1998 you have the
right to see personal information about you that we hold
in our records. If you have any queries please contact us. |
| 7. |
Handling Client Money and/or Insurer Money |
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Our financial arrangements with most insurance companies, and
most insurance intermediaries to whom we act as a sub-agent, are
on a Risk Transfer basis which means that we hold premiums, and
refunds due to clients, on behalf of the insurance undertaking
concerned and under a Risk Transfer Agreement. Such monies
are deemed to be held by the insurer(s) with which your insurance
is arranged. If Risk Transfer does not apply such monies
will be held by us in a Statutory Client Trust Account in accordance
with FSA rules. For the purpose of some transactions, client
money may pass through other authorised intermediaries. Interest
will not be paid to clients in respect of money held in Client
Trust Accounts.
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8. |
Complaints |
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It is our intention to provide you with a high
level of customer service at all times. However if you
wish to make a complaint about our service, we have a
formal complaints procedure. In the first instance you
should contact us in writing or by telephone. Please
address your complaint to David J Morris.
We will acknowledge receipt of your complaint in
writing within three working days and give you our response
to your complaint at this time if we can.
If it will take longer to deal with your complaint
we will advise you when you can expect to receive a fuller
response.
If we cannot settle your complaint you may be entitled
to refer it to the Financial Ombudsman Service. |
9. |
Are we covered by the Financial Services
Compensation Scheme (FSCS)? |
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We are covered by the FSCS. You may be entitled
to compensation from the scheme if we cannot meet our obligations.
This depends on the type of business and 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.
For compulsory classes of insurance, insurance advising and arranging
is covered for 100% of the claim, without any upper limit.
Further information about compensation scheme arrangements is available
from the FSCS.
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