We are an Independent Insurance Intermediary. We will advise and make a recommendation for you after we have assessed your needs. We are not a credit broker
We act on your behalf in arranging your insurance and if possible credit facilities. We are responsible for the advice we provide you and act as your agent in this respect. Where requirements cannot be fully met we will provide you with enough information to enable you to make an informed decision.
We offer insurance products from our available market. Our service includes: advising you on your insurance needs, arranging your insurance cover with Insurers to meet your requirements, and helping you with any changes you have to make to your insurance during the policy period. We also offer a service to assist you with any claim you need to make. For some of the policies we arrange, you will deal directly with the Insurer for ongoing policy administration.
As part of our service we can assist you with any claim you need to make. In the event of an incident that may give rise to a claim on your policy, you must notify us promptly. We will advise you of your Insurers procedure at the time and either issue a claim form and pass details to the Insurers or direct you to the Insurers own Help Line. You must not admit liability nor agree to any course of action until confirmation of such action from the insurer is received
We also collect data about you to help us provide you with a good service and to design improvements to our services but can also help us with some of our fraud prevention work. If you contact us electronically, we or the insurer may collect your electronic identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider. This information may be used by us or the insurer to aid in the detection of fraud.
If we speak to you on the telephone we retain a written record of the telephone call. We do this so that we have an accurate record of your transaction with us. We also use this data for monitoring and quality control purposes and may use it for training purposes.
Treating Customers Fairly
Our goal is to ensure that our customers are treated fairly. To provide clear information about the contract (products) we recommend and service we offer, including fees, charges and commission as appropriate. Ascertain individual needs, preferences and circumstances before recommending a contract (product). We will only recommend a contract (product) suitable for your needs. We will NOT recommend a contract (product) if we cannot find one we consider suitable. We encourage you to ask if there is something you do not understand
You will receive a quotation, which will tell you about our fees and the basis of our remuneration relating to any particular insurance policy.
We can arrange for the payment of the premium by credit; however this will be dependent upon the credit lender who may carry out anti- money laundering checks, search of credit reference agencies and an assessment of credit worthiness and affordability. Please note that this type of credit check does leave a foot print on your credit record which will be available to other credit companies and lenders to whom you may apply, but it does not show the outcome i.e. if a loan is granted or declined. Premium Credit or Close Premium Finance are our chosen providers for the arranging of credit.
Payment of Premiums
By cash, cheques, debit or credit cards with the exception of Amex. We require full payment of the premiums at inception, renewal or at the time of any adjustment unless special terms have been agreed in writing unless credit arrangements have been approved.
Disclosure of Information
Your Duty as consumer is to take reasonable care not to make a misrepresentation to the insurer when completing a proposal form at new business, throughout life of the policy, when you renew the policy and if you make a claim.
All Statements included in a proposal form, statement of fact, claims forms and other documents must be completed truthfully and accurately failure to do so may make the insurance invalid or the policy being cancelled or a claim not being fully paid.
Any information which might influence your Insurer as to the acceptability of your proposal for insurance or the renewal must be disclosed at the earliest opportunity and certainly at each renewal. If you fail to disclose any material information then your insurance may not cover you completely or invalidate your insurance. If you are unsure about any matter you should contact us for assistance and you are advised to keep copies of all correspondence that you send to us for your own protection.
Discussing your policy and making changes
For security we will only discuss the policy with you the policy holder or allow changes to be made by the policy holder or some one named on the policy unless you the policy holder have told us otherwise or the third party is able to provide confirmation that they have authority to act on your behalf, for example they have a power of attorney.
The information you supply will be kept confidential to the Company and its associated and/or subsidiary companies and the Insurer with whom it deals except or unless we are required by Law to make any disclosure. We may pass information about you to credit reference agencies for the purpose of arranging payments via instalments and may also pass to them details of your payment record with us. We may use information we hold about you to provide information to you about other products and services that we feel may be appropriate to you.
Contacting us about data matters
If you would like to contact us about one of your data rights then please contact Elaine Lawrence at Salisbury House, 81 High Street, Potters Bar, Hertfordshire, EN6 5AS Telephone: 01707 291200.
Who regulates us?
We are authorised and regulated by the Financial Conduct Authority. Our registered number is 453372. Our permitted business is advising on and arranging general insurance contracts. You can check this on the Financial Conduct Authority’s Financial Services Register by visiting: www.fsa.gov.uk/register/home.do or by contacting the Financial Conduct Authority on 0845 606 1234
Financial Services Compensation Scheme (FSCS)
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 the circumstances of the claim.
Insurance advising and arranging is covered for 90% of a claim without any upper limit. Legal Expenses added to a motor policy is not an insured product and the FSCS is not applicable to protect. Further information about compensation scheme arrangements is available from the FSCS
This Terms of Business document is subject to the Law of England and Wales.
Please do not hesitate to contact us if you have any queries with regards to any points mentioned in our Terms of Business.