Keegan & Pennykid I n s u r a n c e B r o k e r s L t d

Transcription

1 Keegan & Pennykid I n s u r a n c e B r o k e r s L t d mail@keegan-pennykid.com Website: 50 Queen Street Edinburgh EH2 3NS Tel: Fax: Edinburgh Samba School Our Ref: EDIN50CS01/0045 c/o The Treasurer Date: 04/07/2013 Tollcross Community Centre 117 Fountainbridge Edinburgh EH3 9QG RENEWAL NOTICE Dear Miss Anna Sulit, Re: Encompass Charity Scheme Policy No. RNN The above policy is due for renewal on the 1st August 2013 and we would advise that the renewal premium for the coming 12 months amounts to To ensure that no break in cover occurs please forward your remittance to us before 01/08/2013. Please note that changes in insurance law mean that policies no longer include a 'period of grace' at renewal. This means that if your policy is not renewed on or before the renewal date, cover is NOT IN FORCE. It is important that you read the enclosed documents which include: 1. Our Policy Information Sheet containing: a) details of the premium and how it can be paid b) Your duty of disclosure of material facts 2. Our Terms of Business. We would like to take this opportunity to remind you that we are independent insurance brokers and as such act on your behalf when arranging insurance. Our advice and recommendations are based on our independence and expertise. Yours sincerely, Tracey Gunn Keegan & Pennykid Insurance Brokers Ltd NB is a speedy and environmentally friendly method of communication. If you are happy for us to send future correspondence to you by , please notify us of your address. Thank you. Member s of t he British Insurance Br oker s Association Aut horised and Regulat ed by t he Financial Ser vices Aut hority Calls may be r ecor ded f or training and monit oring purposes Regis t er ed Of f ice at above addr ess Regis t er ed in Sco tland No Dir ect or s: K. H. C. Pennykid A.B.I.B.A. and E. Pennykid

2 Confirmation of Insurance Details Date & Time of Issue: 04/07/ :39hrs Basic Details: Insurer Details: Name: Edinburgh Samba School Primary Contact: Marie-Anne Syre Address: c/o The Treasurer Tollcross Community Centre 117 Fountainbridge Edinburgh EH3 9QG Telephone: Account Handler: Address: Our Reference: Tracey Gunn EDIN50CS01 Insurer: Royal & Sun Alliance SCVO Intermediary: Keegan & Pennykid (Insurance Brokers) Ltd Policy Number: RNN Queen Street, Edinburgh Scotland, EH2 3NS Broker Ref: EDIN50CS01 Tel: Web: Period of Cover: 01/08/2013 to 31/07/ Risk Address Details: Address: Tollcross Community Centre Tollcross Primary School 117 Fountainbridge Edinburgh EH3 9QG Property Section: Any additional excesses, terms, conditions or endorsements are shown at the end of this document. Liability Section: Fixtures, Fittings and all other Contents Not Insured Electronic Equipment: at the premises Not Insured away from the premises Not Insured Business Files Not Insured Stock Not Insured Drums - Includes cover anywhere in UK but excludes theft whilst out on hire. Buildings/Tenants Improvements Not Insured PA System 1530 Money Not Insured Material Damage Excess NIL Subsidence Excess 1000 Employers Liability Not Insured Public Liability Excess NIL Products Liability Trustees Liability Not Insured Employment Practises Liability Not Insured

3 Other Covers: Theft by Employee Not Insured Legal Expenses NCB & Excess Protection Not Insured Professional Indemnity Not Insured Engineering Not Insured Business Interruption Not Insured Computer Cover Not Insured Terrorism Not Insured Personal Accident Not Insured Counselling Care Not Insured Contract Works Not Insured Travel Insurance Not Insured Encompass policyholders have access to a 24 hour Legal Assistance Advice Line which offers confidential legal advice. Simply call and quote scheme number Please refer to the policy wording for full details. Duty of Disclosure: You must advise us immediately of any material fact which has occurred which may affect the terms of the policy being offered. These include (but are not restricted to) changes of address, changes to the items covered (partial details herein) and or the addition of any new items. Details of all damage or losses (whether a claim was made or not) must also be disclosed. Failure to disclose all relevant facts could invalidate all or part of your policy. If you are in any doubt as to whether certain facts are relevant or not please ask.

4 Premium Breakdown: Basic Insurance Premium: Insurance Premium Tax (at 6.0%): Administration Fee: 0.00 Total Premium: Premium Payment Options: Single Payment: (will need to arrive before renewal) Receipts will no longer be issued unless requested Paying By Cheque Cheques should be made payable to "Keegan & Pennykid (Insurance Brokers) Ltd" and sent to: Keegan & Pennykid, 50 Queen Street, Edinburgh, EH2 3NS Paying by BACS (Bank Automated Credit System) Paying by Cash (at the bank counter) Our Bank Details This can take upto 5 working days. You should check with your own bank to ensure payment will clear by the due date. It can take up to 5 working days for a payment at the bank counter to reach us. Telephone us on freephone confirming your actions when the payment has been made. Account number: Bank Account: Bank of Scotland Sort Code: Reference*: EDIN50CS01 Important - please quote your reference (EDIN50CS01) when making any payment by any method to avoid delays. Demands and Needs You require an insurance package providing cover for the Organisation's charitable activities and voluntary work as detailed in the attached schedule, at a competitive premium. Having assessed the market and examined the alternatives, we recommend that you continue with Royal & Sun Alliance SCVO for the coming year as their tailor made policy meets the needs at a competitive premium. We note that the following covers are not insured: Employers' Liability Trustees Indemnity This is a compulsory insurance for any organisation with employees and we also recommend that you take this cover if you have any volunteers Protects trustees against claims of errors or omissions of the board those of their fellow trustees, employees or agents

5 Important Policy Notes Non Standard Terms and Conditions: No significant non-standard terms and conditions are apparent, however, you should still check the policy wording carefully to ensure the cover adequately meets your needs. You should check the policy booklet carefully for a definitive list of all the details of your policy. Subjectivity The following is a list of the items/actions that are required in order to process this insurance. In certain circumstances there may be an allowance in time after the policy is incepted to give you a chance to meet the requirements. These are referred to herein as "days grace". If the days grace is marked as zero, then this means a condition must be met before cover can be issued/granted. Payment Payment of the Premium. Where credit is available, this will be listed in the Premium Breakdown and Premium Payment section of this presentation. Days Grace - Business Description The risk has been assessed by underwriters based on the following summary of your business activities: Rehearse twice weekly in local school. Provide public performances per year. Weekly dance class for people aged 18+

6 TERMS OF BUSINESS Keegan & Pennykid (Insurance Brokers) Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our Trading address and other contact details are: Keegan & Pennykid (Insurance Brokers) Ltd 50 Queen Street, Edinburgh, EH2 3NS Telephone: Facsimile: Website: Please read this document carefully. It sets out the terms on which we agree to act for our clients and contains details of our regulatory and statutory responsibilities. We specifically draw your attention to the section "Client Money Segregation". Please contact us immediately if there is anything in these terms of business which you do not understand or with which you disagree. Regulation The FCA is the independent watchdog that regulates financial services. Our FCA Register number is Our permitted business is arranging general insurance contracts. You can check this on the Financial Services Register by visiting the FCA's website or by contacting the FCA on The FCA defines customers as either a consumer who is an individual acting outside his business, trade or profession or a commercial customer who is a customer who is not a consumer. Please note that certain sections of this Terms of Business are only applicable to one customer classification and as such are specified as Consumer Only or Commercial Only. Our service In arranging insurance for our clients, we act as an Independent Intermediary and as such offer products from a range of insurers. 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 can also assist you with making a claim. 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. Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance policy being invalid or cover not operating fully. It is important that you ensure all statements you make on proposal forms, claim 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. 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. Confidentiality and data protection All personal and sensitive information about our clients is treated as Private and Confidential. We will only use and disclose the information we have about clients in the normal course of arranging and administering their insurances, and will not disclose any information to any other parties without their written consent. 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. Unless we are notified of any changes, we shall assume the personal and sensitive data we hold about our clients is correct, and shall use it to provide quotations when policies fall due for renewal. In the interests of security and to improve our service, telephone calls you make to us may be monitored and/or recorded. We may pass information about you to credit reference agencies for the purposes of arranging payments by instalments, and may also pass to them details of your payment record with us. Motor & Home Insurance anti-fraud registers Consumer Contracts only Insurers share information with each other via the Claims and Underwriting Exchange Register, and the Motor Insurance Anti-Fraud and Theft Register, to aid the prevention of fraudulent claims. In the event of a claim, the information you supply on the claim form, together with any other information relating to the claim, will be put on the Registers. Motor Insurer Information Centre (MIIC) Insurers are legally required to provide details of motor insurance policies to the MIIC. The information describing your insurance cover will be added to the Motor Insurance Database (MID), to which the police and other government agencies have access. This helps the pursuance of claims following accidents and aids detection of those who are in contravention of the law by not taking out insurance. Use for marketing purposes We may use information held about you, to provide you with information about other products and services which we offer, and which we feel may be appropriate to you, by , telephone, post or other means. You may exercise your right to give notice to stop data being processed for marketing purposes by contacting us at any time. Please contact us by telephone, or in writing. Claims 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 two 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 will 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 a 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. We will forward any payments received from insurers in respect of any claim, to you, without delay. We will notify you of any request for information we receive from your insurers. Claims - Delegated Authority Schemes We have authority under the Aviva Homeplus Scheme to handle claims on behalf of Aviva up to the value of 1000, in circumstances agreed by the Insurer. Complaints It is our intention to provide you with a high level of service at all times. If, however, there are occasions when we do not meet these standards, please contact us by telephone, or in writing. A copy of our full Complaints Handling Procedures is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. 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 90% of the agreed claim with no upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, with no upper limit. Further information about compensation scheme arrangements is available from the FSCS. Under the Data Protection Act 1998, individuals 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, you should write to us at the above address.

7 Cancellation rights (The mediation contract) Consumer Contracts 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 fourteen 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. If you do cancel this Mediation Contract within the cancellation period, you may be charged a proportion of any of our fees that you have incurred. This Mediation Contract can be cancelled at any time by either party in writing by giving seven 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 a proportion of any fees that you have paid. Premiums and financial aspects In order to be able to offer you credit facilities, we are registered under the Consumer Credit Act and our Licence Number is We normally accept payment by bank transfer and guaranteed cheque. You may be able to spread your payments through insurers' instalment schemes, a credit scheme with a third party finance provider, or a facility we have arranged ourselves. We will give you full information about your payment options when we discuss your insurance in detail. We may keep certain documents, such as your insurance policy documents or Certificate, while we are waiting for full payment of premiums. In these circumstances, we will ensure that you receive full details of your insurance cover and will provide you with any documents that you are required to have by law. Client money segregation (Non-statutory trust) Premiums that we collect from you will be segregated into and held in a Client Money Bank Account. The client money will be held by us as trustee on your behalf. The Client Money Bank Account is set up as a trust governed by FCA rules. We may agree to extend credit to other clients using client money from the Client Money Bank Account. We will have in place, and maintain, systems and controls adequate to ensure that we are able to monitor and manage client money transactions and any credit risk arising from the operation of the trust arrangement. Any interest earned on client money held by us will be retained by us for our own use, rather than paid to you. If we become insolvent, the terms of the trust dictate that clients will have a prior claim on the client money in the Account according to their respective interests in the client money. The costs relating to the distribution of client money may have to be borne by the trust. By accepting these Terms of Business you are giving your consent for us to operate in this way. Risk transfer By virtue of agreements we hold with certain insurers, in these circumstances we collect premiums as agent of the insurer. Therefore, once we have collected premiums from you, under the terms of our agreements with insurers, those premiums are treated as having been paid to the insurer. We will remit the premiums to insurers, after deduction of our commission, in accordance with the terms of our agreements with insurers. Commission Withdrawal, Fees and Charges 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 FCA regulations and agreements that we hold with insurers. Whilst we do not ordinarily charge fees, where no commission or inadequate levels of commission are payable relating to the work involved, fees could be charged. You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. Our fees are non-refundable even if you cancel your policy. Please note that fees are exclusive of any applicable tax that may be levied from time to time. A charge may be levied to cover bank charges incurred for international payments received, which result in us receiving an amount which is less than the premium due. A charge may be made in respect of the replacement of lost motor certificates and you will be advised at the time of request as to the value of the charge. Return premiums Return premiums usually arise if an insurance risk is reduced or a policy cancelled. On a return premium, we repay commission on the amount to your insurer and this will be deducted from the final amount due to you. If a policy is cancelled, we will refund any return premium due. Quotations All quotations are subject to change in respect of the amount of premium indicated, and/or the terms and conditions that are applied. Policy terms, conditions and warranties You should read through all policy terms, conditions and warranties shown on your policy documentation. Please ensure you understand them and are able to follow their requirements exactly. If not, please advise us immediately, as a breach of any terms, conditions or warranties may enable your insurer to terminate your policy from the date of that breach, and/or repudiate a claim under your policy. Renewal premiums paid by instalments In good time before the renewal of your policy, we shall contact you with the renewal premium and terms for the coming year. If you have not contacted us before the renewal date, we shall renew the policy automatically on your behalf. If you do not wish to renew the policy, please let us know as soon as possible. We should also advise you to cancel your direct debiting instruction with your bank prior to renewal date. If it is your intention to renew the policy, no action is required by you, and the policy will renew automatically. We shall send your new certificate of insurance to you. Disclosure of commission - Commercial Only 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. Client money passed to another person In accordance with FCA 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. Client money passed to another person outside UK 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 operating outside of the United Kingdom. Unless you notify us that you do not wish your premiums to be transferred in the manner outlined in this Section, by accepting these Terms of Business, you are giving your consent for us to act in the manner described in this Section. We have a duty under FCA Regulations to inform you that: * the legal and regulatory regime applying to the insurance intermediary may differ from that in the United Kingdom; and * consequently if the insurance intermediary fails, the premium may be treated in a different manner from that which would apply if the premium was held by an insurance intermediary in the United Kingdom. Governing law This Agreement shall be governed by the laws of Scotland and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the Scottish Courts. Other taxes or costs Other taxes or costs, or both, may exist in relation to the products and services offered by us which are not paid through, nor imposed, by us. Please retain a copy of this document within your records. Date and time of issue: 04/07/ :39 Reason for Issue: Renewal Document: Renewal Due

8 Name: Edinburgh Samba School Policy No: RNN Broker Ref: EDIN50CS01 Issue Date: 04/07/2013 The following endorsements also apply to this policy: 1 - Exclusions Detail: It is noted that accidental damage cover is excluded to drumskins and sticks and theft cover is excluded whilst items are on hire.

9 Name: Edinburgh Samba School Policy No: RNN Broker Ref: EDIN50CS01 Issue Date: 04/07/2013 <<CCINVUTRAILER>> This page is for computer generated indexing purposes and is not a component part of this document. <<LEVEL01=Clients>> <<INDEX02=EDIN50CS01>> <<INDEX03=RNN >> <<INDEX04=Royal & Sun Alliance SCVO >> <<INDEX05=Edinburgh Samba School >> <<INDEX09=Renewal Due >> <<INDEX10=01/08/2013>> <<INDEX11=0045>> <<INDEX12=0070>> <<INDEX13=01/08/2001>>