Our Duty To You when you take out insurance with us

• We will always act in a professional manner and in your best interests
• If requested we shall ensure that any policy meets your requirements or, if not possible, will advise you of any shortcomings
• We will ensure that any documentation is sent to you without undue delay once we have received and checked it.
• We will respond promptly to any queries you may have and confirm them on request via a durable medium
• At renewal we will review your needs as last advised and make a recommendation as to the most suitable policy for the next year.
• We will adhere to the FCA principles of 'TCF' at all times.

Your duty to us.

• You will make a full disclosure of material facts when taking out the policy, at renewal of the policy and whenever they change. If in doubt please contact us. (For (unoccupied) home insurance that is not related to business, your duty is to answer all questions asked fully and correctly)
• You will forward any documentation that we may reasonably require without due delay.
• You will pay the premium in accordance with any credit facilities that we may offer.
• We will advise you of any breach and, should the matter not be sorted, you agree that breach of your duties empowers us to cancel the insurance policy on the terms below. 

Premiums

• You will be advised, whenever possible, in good time of any premium that may come due under the policy before you become liable for them e.g. if you do any changes to the cover.
• Any premium paid to us will be held in a separate Non Statutory Client Trust Account (NSCTA) held at Lloyds Bank
• All premiums are pooled and may be used towards payment of other policies
• We have 'risk transfer' in place with all our insurance providers. This means that any premium we receive from you is regarded as being received by the insurance provider and thus you cannot lose the benefit of your policy should the insurer not receive payment.
• We will fully comply with FSA requirements for handling money in a NSCTA

Charges

• We do not make any charge for assessing your needs, making a recommendation or arranging the policy for the first time with us.
• Should you make a change on your policy then in addition to any premium made by your insurance company we will make a £15.00 administration fee. This does NOT apply if the only change is to your correspondence address.
• We will make a charge (currently £15.00) at renewal to cover our costs in reviewing your policy, making a recommendation and arranging cover for the next period. You will be liable for this charge only if you decide to maintain cover through us.
• Should you wish to pay a premium to us in instalments we will make a charge of £9.00 per instalment, which will be included in any quotation. We do not make any charge if you undertake to pay the premium through premium finance or through the insurance company's own payment plan (if available). However you may have to pay interest on these plans.
• If you make a payment by a credit card we charge a fee of £3.00. We do not make a charge if payment is made by a debit card.
• Should you cancel the policy within the first 14 days then we will make a charge of £15.00 to cover the work we have done in setting up the policy. This is in addition to any charge made by any other party.
• Should you cancel the policy after the first 14 days, or any adjustment to the policy results in a return premium then, in addition to the £15.00 administration fee, we will deduct any commission that we may have to refund to the insurance supplier.
• Should these charges be amended the new charges will come into effect from just before you arrange cover for the next period. You will be advised of any change in charges in the renewal letter we issue.