Our Service includes advising you on our insurance products, arranging your insurance cover in order to match your requirements and helping with any ongoing changes.
Our Administration Charges
In addition to the premium charged by the insurers we will make the following charges to cover our administration costs for these specified activities:
For Touring Caravan, Static Caravan, Park Home, Mobile Home, Leisure Home
- Policy Administration Fee
- Mid Term Cancellation Fee
- Mid Term Adjustments Fee
|
£10.00
£10.00
£10.00 |
No additional charges are made for Term Life Insurance or Accident, Sickness or Unemployment Insurance.
Our Remuneration
In arranging insurance we receive a commission from the insurer. In addition there might be a further remuneration based upon the amount and profitability of business placed with insurers and/or service providers over a specific period.
Your Right To Cancel
If within 14 days of either receiving your policy documentation, or start of the period of insurance, you find that it does not meet your requirements you may cancel your policy by returning your documentation along with written instruction to Assist Insurance Services Ltd. We will refund the premium paid in full provided that no claim or incident likely to give rise to a claim has been submitted. You are not obliged to provide us with any reason for cancelling the policy within 14 days of receiving your policy documentation. However to enable us to gain a greater understanding of the needs of our customers we would welcome any comments you have. Full details of your cancellation rights can be found in the policy wording.
Our service Commitment to You
Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of services. However, if you should wish to make a complaint about our services, we have a formal complaints procedure. In the first instance you should contact us whether in writing, by phone, fax or via email address. Please address your complaint to:
The Managing Director
Assist Insurance Services Ltd
7 Tudor Court
Wootton Hope Drive
Wootton
Northamptonshire
NN4 6FF |
Tel: 0845 863 8351
Fax: 01604 677788
Email: info@assistinsuranceservices.co.uk |
If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. A full copy of our complaints procedure is available on request.
The Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (“FSCS”). You may be entitled to compensation from the scheme if we cannot meet your obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim and, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.
Disclosure Of Information
Please note that is your responsibility to provide complete and accurate information to the insurers when you take out the policy, throughout the life of the policy and at renewal. It is important that all statements you make on proposal forms, claims forms and other documents are full and accurate. It is our duty to inform you that failure to disclose any material information to the insurers could invalidate your policy and could mean that part or all of a claim may not be paid.
Awareness Of Policy Terms
When a policy is issued, you are strongly advised to read it carefully as it is the document, the schedule and any insurance that is the basis of the insurance contract you have purchased.
Confidentiality and Data Protection Act
All personal information we receive about you will be treated as confidential and processed in accordance with legislation. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance and will not disclose any information to other parties without your consent, or where we are compelled to by law. In such instances personal information held by us may be disclosed to third parties on a confidential basis, and in accordance with the Data Protection Act 1998. Customers should be aware that insurers exchange information with each other through various databases to help check the information provided and also prevent fraudulent claims. Calls may be recorded for our joint protection and for quality assurance and compliance monitoring.
Assist Insurance Services Ltd would like to contact you with details of other products and services that might be of interest to you and to share your information with other carefully selected companies whose products and services we feel might interest you. If you would prefer not to receive this information please contact our Customer Service Line on 0845 863 8351 or write to The Data Controller, Assist Insurance Services Ltd, 7 Tudor Court, Wootton Hope Drive, Wootton, Northamptonshire NN4 6FF.
Other Taxes and Costs
Other taxes and costs, or both, may exist in relation to the products and services offered by us which are not paid through, or imposed by us.
Premium
By virtue of the agreements we hold with insurers, we collect premiums as agents of the insurers. Therefore, once we have collected premiums from you, under the terms of our agreements with Insurers, those premiums are treated as being paid to the insurer.
Law Applicable To Contract
You and we are free to choose the law applicable to this policy. Your policy will be governed by the law of England and Wales unless you and we have agreed otherwise.
It is recognized that these terms of business are binding on both sides by sending and receiving of this document. Your acceptance of these terms of business does not affect your normal legal rights. |
