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| 1. UK Insurance Solutions Limited is an Independent Intermediary who acts as your agent and accepts responsibility for arranging your insurance. UK Insurance Solutions Limited is authorised and regulated by the Financial Services Authority. Our firm reference number is 300479, you can check this on the FSA register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 08456061234. We offer products from a wide range of insurers for all classes of general insurance, however there are some products such as motor breakdown where we only offer details of one insurer. |
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| 2. Unless specifically asked to do so we will not provide advice or recommendations, our quotations will be based solely on price. |
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| 3. 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 before you renew your insurance. It is important that you ensure that all statements you make on proposal forms, claim forms, website applications, statement of facts 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 insurance cover and could mean that part or all of a claim may not be paid. |
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4. Completion of Proposal Forms – Your attention is particularly drawn to the importance of the Declaration and signature on Insurers proposal forms. Any failure to disclose facts material to the insurer or any inaccuracies in your answers could invalidate the cover.
Please do consult us if you are in doubt on any aspect. |
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| 5. Some insurers may give a 14 day “cooling off period” where they may allow you to cancel a policy without charge if it does not meet your requirements and providing no claims have been reported. In such instances UK Insurance Solutions Limited will not refund any commission and or administration charge which would have been due. |
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| 6. Commission is usually received from insurers for placing business with them, however, this may not reflect the work done so we may add a charge over and above the insurance premium and this will be notified at the time. |
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| 7. Our charges: |
| a) |
In most cases, an administration charge will be added to new policies and renewals which may vary between £6.00 and £17.00 dependent upon the level of cover. |
| b) |
Should payment be received without the administration charge the policy will be renewed for your protection but should the administration charge not be received within the next 10 days your policy will be cancelled in accordance with 7g). |
| c) |
On standard policies all mid term policy adjustments will be subject to a minimum £20.00 administration charge over and above any charge made by the insurers. This does not apply to motor breakdown policies, |
| d) |
On Motor Trade policies all mid term policy adjustments will be subject to a minimum £50.00 administration charge over and above any charge made by the insurers. |
| e) |
Duplicate certificate of insurance & cover notes issued for tax purposes will be subject to a £20.00 administration charge over and above any charge made by the insurers. |
| f) |
Following policy cancellation at the client’s request any refund will be given net of insurer’s commission and will be subject to a £20.00 administration charge. |
| g) |
Following policy cancellation due to non-payment of premium or failure to produce necessary documentation any refund will be given net of insurer’s commission and will be subject to a £50.00 administration charge. |
| h) |
Due to the specialised nature of the classic car and kit car policies and relatively low premiums no refunds will be given following cancellation of the policy. |
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| 8. Instalments: |
| The only instalments we offer on new policies and renewals are: |
| a) |
2 instalments (half at inception and the 2nd half 30 days after inception – which will be subject to a £20.00 administration charge). Should the policy be cancelled due to non-payment any refund will be given subject to the terms given in item 7 (h) and also no refund will be given for the administration charge. |
| b) |
Direct debit with a 25% deposit and a 12% interest charge on the balance. a) and b) do not apply to motor breakdown policies. |
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| 9. In the event of insurers altering their terms of acceptance, clients are entitled to cancel the insurance and subject to no claims the premium will be refunded, less any charge made by the insurer for cover provided. In all other cases Short Period Rates will apply – the following chart shows the industry average. |
| 1month/ |
2months/ |
3months/ |
4months/ |
5months/ |
6months/ |
7months/ |
8-12months |
| 30% |
40% |
50% |
60% |
70% |
80% |
90% |
NIL |
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| We normally accept payment by cash, cheque, credit or debit card. Alternative methods of payment are direct debit and the individual rates and terms for these plans will be discussed at quotation stage, if required. All credit card payments will attract a 2 % charge. There will be no charge for debit cards. The credit card charge does not apply to motor breakdown policies. |
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| 10. All personal information about you will be treated as private and confidential and will only be disclosed in the normal course of arranging and administering your insurance. We will not disclose any information to any other parties without your consent and will ensure that any money, documents, other property or information we handle or hold for you is secure. We may, however, use information about other products and services which we feel may be appropriate to you. When signing and agreeing to our Terms of Business you will be given the opportunity to ‘opt out’ of having your information used in this way. Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records and you may forward any written request to us. |
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| 11. We may keep certain documents such as your insurance policy or certificate while we are waiting for full payment of premiums or administration charges, documentation from yourself as required to agree terms of quotation or indeed if you ask us to keep them for safekeeping and as such your signed agreement to our terms of business will automatically effect your agreement to this arrangement. This will not affect your right to receive details of any cover provided and any documents required by law. |
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| 12. Complaints – It is our intention to provide you with a high level of customer service at all times. However, if you do feel you have cause to be unhappy in any way with your insurance cover, in the first instance, please contact Mr Paul Galloway who will be pleased to assist you. A more formalised complaints procedure will be found in your policy document, or upon request. |
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| The Complaints Procedure detailed in the E.E.C Third Directive requires that you must be informed that if you feel that you have not been provided with a first class service by your Insurer you should contact their nearest office or your Insurance Advisor. If, after doing so you are still not satisfied, you should write to the insurer’s General Manager, then their Chief Executive, then either the Insurance Ombudsmen or the Financial Services Authority. Your Insurance Advisor will, on request, supply addresses and offer assistance in presenting complaints. |
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| 13. Complaints: - Motor Claims. UK Insurance Solutions Limited are Authorised and Regulated by the Ministry of Justice in respect of regulated claims management activities. Claims Management Regulation Register authorisation number CM3478 |
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| It is our intention to provide a high level of customer service at all times. However, if you do feel you have cause to be unhappy in any way with your insurance cover in the first instance, please write to Paul Galloway, Managing Director at UK Insurance Solutions Limited 233 King Cross Road Halifax HX1 3JL who will be pleased to assist you. |
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| We will endeavour to deal with your complaint immediately and will in any event acknowledge receipt of your complaint within 5 working days. Thereafter we shall do our utmost to resolve the complaint within 4 weeks and certainly within 8 weeks. If after 8 weeks we are unable to resolve a complaint we will provide all reasons why we are unable to do so and advise you of contact details for the Claims Management Regulator so that details may be referred to them if necessary. |