Terms of Business
10 London Road, Bexhill-on-Sea, East Sussex, TN39 3JU

Relationships As an independent insurance intermediary we act as the agent of our client.  We are subject to the law of  agency, which imposes

various duties upon us . In certain circumstances we may act for ,and owe duties of care to other parties.

We will advise you when these

circumstances occur so you will be  aware of any possible conflict of interest.

Our service We will assess your insurance needs, provide advice and make a recommendation for you.  

This will include the type of cover

Available, the identity of the insurer concerned and the price inclusive of Insurance Premium Tax  (IPT).

We will also deal with any mid-term

alterations required to your policy and assist you with making a claim.



Disclosure WHEN TAKING OUT AN INSURANCE POLICY YOU MUST ANSWER ALL QUESTIONS HONESTLY AND PROVIDE COMPLETE AND ACCURATE INFORMATION.

Failure to do so may invalidate your policy resulting in the declinature, or part payment only, of a claim. This duty of disclosure applies

throughout the life of the policy and at renewal. If you are in any doubt of what information needs to be disclosed, please ask.

Documentation It is your responsibility to ensure that statements you make on proposal forms and claim forms are full and accurate.  If a form has been completed on  your behalf, it is incumbent upon you to check the answers shown are correct before signing the document.

Your policy documentation will confirm the basis of the cover, provide details of the insurer and will be accompanied by a policy summary and premium debit note.

Prior to the conclusion of the contract you will be given a statement of demands and needs.  You should read this carefully.  It will set out your demands and needs and confirm whether the contract has been personally recommended and, if so, the reasons for making that recommendation.

You will be provided with renewal terms in a durable medium no less than 21 days before expiry of the policy, or notified that renewal is not being

invited.  Attached to the renewal terms will be a statement of any changes to the terms of the policy and changes to directive-required information (information required under the EU Directives), statement of price and information about cancellation.  

You will also be advised of your right to request a new policy statement.

Security WE DO NOT GUARANTEE THE SOLVENCY OF ANY INSURER WITH WHICH WE PLACE BUSINESS.

Payment of Premiums PREMIUMS MUST BE PAID PRIOR TO THE RISK ATTACHING IN THE CASE OF NEW BUSINESS AND BEFORE RENEWAL OF AN EXISTING POLICY.

We accept payment by cash,  cheque, BACS, debit or credit card. Payments by credit card are subject to a charge of 1.5% of the premium

including IPT. You may be able to spread your payments by  utilising the insurer’s instalment scheme (where available), by entering into a credit agreement with a third party finance provider or by using our own short-term instalment facility.

We are licensed under the Consumer Credit Act and our Licence Number is 624490/1.0664228

Details of the premium payment options available to you will be provided when we discuss your insurance requirements.

ADMINISTRATION FEES  a charge of £15 will be made for mid-term policy alterations and requests for duplicate documents.The brokerage we

receive from the  insurer underwriting your insurance is earned for the full policy period. If the policy is cancelled during the first year of cover

(after the 14 day ‘cooling off’ period has expired), or in subsequent years., we will be entitled to retain the full brokerage allowed by the insurer

to cover our administration costs.  Any return premium due to you in these circumstances will be adjusted accordingly.

Cancellation rights

You have the right to cancel your policy during a period of 14 days after the day of purchase of the contract or  the day on which you received your

policy documentation, whichever is the later. If you wish to do so and cover has not yet commenced, you will be entitled  to a full refund of the

premium paid. Alternatively, if cover has already commenced, you will be entitled to a refund of the premium paid, subject to a deduction for the

period during which cover has been in force.  The charge will be calculated on a pro-rata basis and will include an additional charge to cover the administrative cost of providing the policy. To exercise your right to cancel your policy, please contact us at the address shown on this document.

CLAIMS You must notify your insurer as soon as possible in the event of a claim or where a situation has occurred which may give rise to a claim.

We will provide assistance in submitting a claim and in seeking reimbursement for you.  However, in the event that an insurer becomes insolvent or

delays making settlement we do not accept liability for any unpaid amounts.

Client money Premiums we collect from you will be paid into a non-statutory trust client bank account.  The aim of the trust is to protect the client in

the event of the failure of the firm, or the failure of the bank or third party at which the money may be held.  In such a circumstance, the firm’s

general creditors should not be able to make claims on client money, as it will not form part of this firm’s property.

Holding money subject to a non-statutory trust means that we are entitled to and may use client money held on behalf of one client to pay another

client’s premium before the premium is received from that other client, and to pay claims and premium refunds to another client

before we receive payment from the insurer.  However, we are not entitled to use client money to pay commissions before we receive the relevant

premium from the client. 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.