Terms of Business
1. Terms Of Business We,
Blackfriars Insurance Brokers Ltd t/as Blackfriars
Group, of 6 Congleton Road, Sandbach, Cheshire CW11 1HN
are authorised and regulated the Financial Services
Authority (FSA) to sell general insurance products. Our
FSA register number is 308518 and you can check this on
the FSA’s register by visiting the FSA’S website
www.fsa.gov.uk/register or by contacting the FSA on 0845
606 1234.
2. Our Service to You. In
arranging insurance for our customers we act as an
independent intermediary and act on your behalf when
arranging your insurance. 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.
We offer a range of general insurance products and have
access to a number of Insurers with whom we place your
insurance. We will give you details of these insurers
when we discuss your Individual requirements.
3. Disclosure of
Information. It Is Important that you understand that
any Information, statements or answers made by you to
us, or your insurer, are your responsibility and must be
correct. Any failure to disclose facts material to the
Insurer or any inaccuracies in your answers may
invalidate your insurance cover in part or in whole.
Facts material to the insurance are matters or
information which may influence your insurer as to the,
acceptability or otherwise of your Proposal or Renewal
and must be disclosed immediately. You are advised to
keep copies of documentation sent to or received from us
for your own protection. Please do consult us if you are
in doubt on any aspect. The disclosure of information
not only applies at commencement and renewal of your
policy but also at anytime during the period of
insurance.
4. Awareness of Policy
Terms. When a Policy or Renewal Document is issued, you
are strongly advised to read it carefully, as it is that
document, the schedule and any certificate of insurance
that is the basis of the insurance contract you have
purchased. If you are in doubt over any of the policy
terms and conditions, please seek our advice promptly.
5. Charges. We reserve the
right to make charges, in addition to any insurance
premiums, for the arranging, amending, renewing and
cancelling any policy of insurance. Details of charges
made will be declared in all correspondence with you.
The following charges will
apply.
- Duplicate Policy
Documentation £25.00.
- Duplicate Certificates
of Insurance £15.00
- Cancellation of the
policy £25.00 in addition to any insurer charges.
- Mid term adjustments
to the policy cover £25.00 in addition to any
insurer charges.
- Provision of
additional insurance details and information to
third parties £15.00
If a return premium is due
following cancellation of a policy, the return premium
will be reduced by the amount of commission paid to us
from the premium for the work we undertake in connection
with the insurance.
6. Customer Protection
information. It is our intention to provide you with a
high level of customer service at all times. If there
are occasions when we do not meet your standards please
contact Mr. David Burton
either verbally or in writing, who will take details of
your concerns. We will acknowledge in writing, advising
you of who is dealing with your concerns and attempt to
address your concerns within five working days. If our
investigations take longer, we will provide a full
response within twenty working days or explain our
position and provide timescales for a full response. If
we cannot satisfy your complaint you may be entitled to
refer it to the Financial Ombudsman Service.
7. 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 the
first £2000 and 90% of the remainder of the claim
without any upper limit. Further information about the
compensation scheme is available from the FSCS.
8. Cooling Off
Period. We will give you enough information and help so
you can make an informed decision before you make a
final commitment to buy your insurance policy. However
you will have 14 days to change you mind and cancel the
insurance contract from the date you receive the policy
documentation. NB This only applies to retail customers,
this being defined as a person operating outside their
trade, business or profession. |
