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TERMS OF
BUSINESS
GJT Hodgson Insurance Services.
Belle Vue Lane, Bude,
Cornwall. EX23 8BS. Tel: 01288 353999
Our
Service
In
arranging insurance for our customers, we act as an independent
intermediary. We are authorised and regulated by the Financial Services
Authority, (FSA), and as such act on your behalf in arranging your
insurance. We offer a wide range of insurance products, and have access to
leading insurers in the marketplace. Our services include: 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
throughout the life of your policy. Advice will be given to you in the
event of a claim. We can also issue policies from our office on behalf of
certain insurers.
We
will send you documents confirming the full details of your cover and the
insurer, and details of the premium (s) you have paid.
Customer
Duty Of Disclosure
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. You must ensure all statements you make
on proposal forms, claims forms and other documents are full and accurate.
If a form is completed on your behalf, you should check that the answers
shown to any questions are true and accurate before signing the document.
Failure to disclose information pertaining to your insurance, or any
inaccuracies in information given, could invalidate your insurance cover and
could mean that part or all of a claim may not be paid.
You
are reminded that it is an offence under the Road Traffic Act to make any
false statements or withhold any relevant information to obtain a
Certificate of Motor Insurance.
Please note that under the Rehabilitation of Offenders Act 1974 you are not
required to disclose convictions regarded as ‘Spent’.
You
are advised to keep copies of any correspondence you send to us or direct to
your insurer.
If you are in any doubt
about whether information is material or not, you should disclose it.
Confidentiality And Data Protection/Access To Records By A Regulator Or
Complaints Resolution Body
All
personal and sensitive information about our customers is treated as private
& confidential.
We
will only use and disclose the information we have about customers in the
normal course of arranging and administering their insurances, and to
provide you information about other products and services which we offer,
and feel may be appropriate to you, and will not disclose any information to
any other parties without written consent. Unless we are notified of any
changes, we shall assume the personal and sensitive data we hold about our
customers is correct, and shall use it to provide quotations when policies
fall due for renewal.
Please note, however, that we may have to allow access to your records by a
regulator or a complaints resolution body, or their appointees or
representatives, who have been appointed to undertake monitoring or
investigatory activities.
Under
the Data Protection Act 1998, private customers have a right to see personal
information about them that we hold in our records. A charge may be made
for this service.
If
you wish to exercise this right, or have any other related queries,
including giving notice to stop data being processed for marketing purposes
you should write to us at the above address.
Claims
We
have no authority to handle claims on behalf of insurers. In the event of
an incident occurring, which may give rise to a claim under your policy,
firstly contact our office and we will advise you of the procedure in
dealing with it. Your responsibilities are as follows: report the claim
immediately to your insurers; send to us as soon as possible any letter,
claim, writ or summons you receive; let us know as soon as possible if you
receive any prosecution, inquest or fatal injury enquiry which may be
covered by the policy. Do NOT admit fault, negotiate, make or offer any
payment without written permission of the insurer.
When
we receive notification of an incident that might give rise to a claim under
your policy, we will inform the insurer without delay and, in any event,
within 3 working days. We shall use our best endeavours when acting on your
behalf in relation to a claim, to handle all elements of the claim with due
care, skill and diligence. We shall advise you promptly of insurers’
requirements concerning claims, including the provision, as soon as
possible, of information required to establish the nature and extent of the
loss.
If
there is any conflict of interest, we shall only handle a claim on your
behalf after we have disclosed to you all information you require, to enable
you to decide whether to give your informed consent, and you have given that
consent for us to handle the claim.
We
shall forward any payments received from insurers in respect of any claim,
to you, without delay.
Complaints
It is
our intention to provide you with a high level of customer service at all
times. If there is an occasion when we do not meet these standards, please
contact our office in Bude in writing or by telephone on 01288 353999. A
member of staff will take details of your concerns and we shall then
acknowledge in writing and attempt to address the matter within 5 working
days. A copy of our full Complaints Handling Procedures is available on
request.
Cancellation Rights. (The Mediation Contract). Applies to Retail Customers
only
The
Mediation Contract is the agreement between you and us for the insurance
mediation services that we provide to you in respect of your insurance
requirements.
Once
you have entered into the Mediation Contract with us, you are entitled to a
period of reflection during which you may decide whether to proceed with the
purchase of the Mediation Contract. The duration of this cancellation
period is 14 days and commences from either: the day of conclusion of the
mediation Contract; or the day on which you receive the full terms of the
Mediation Contract detailing the full contractual terms, conditions and
information of the contract; whichever is later.
To
cancel this Mediation Contract within the cancellation period, please write
to us at the above address. You may be charged a proportion of any fees
that we have incurred.
This
Mediation Contract can be cancelled at any time by either party in writing,
by giving 14 days notice. If you wish to give notice of cancellation,
please write to us at the above address. If we wish to cancel this
Mediation Contract we shall write to you at the last known address we have
for you on our records. If you decide to cancel the Mediation Contract with
us at any time other than during the cancellation period, we will refund all
fees that you have paid, less our cancellation charge.
Disclosure Of Commission
If
you would like to know the amount of commission that we are paid in respect
of your insurance contract, this information is available on request.
Customer Money Passed
To Another Person
In accordance with
FSA Regulations we have to inform you that in managing and/or arranging your
insurance requirements, we may transfer money that you have paid us, in
payment of an insurance premium, to another insurance intermediary. By
accepting these Terms of Business, you are giving your consent for us to act
in the manner described in this Section.
Commission Withdrawal
We receive
commission from the premiums that you pay to us. We shall only withdraw
commission after we have received the premium from you, and in accordance
with FSA regulations and agreements that we hold with insurers.
Governing Law, Taxes
Or Costs
This Agreement
shall be governed by the laws of England and Wales and the parties agree
herewith that any dispute arising out of it shall be subject to the
exclusive jurisdiction of the English Courts.
Other taxes, costs, or both, may exist in relation to the products and
services offered by us, which are not paid through or imposed by us.
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