CD 1/14/ :17:00 AM LP 1/14/ :37:00 AM V.1

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "CD 1/14/2015 10:17:00 AM LP 1/14/2015 10:37:00 AM V.1"

Transcription

1 CD 1/14/ :17:00 AM

2 Client Information Insured: Postal Address: Trading Addresses Full Description of Activities: FCA Client Classification: Waste Managememtn Resources Ltd 7-10 Penhall Road, London, SE7 8RX As above Waste Management Services - Waste Collection, Skip Hire, Waste Transfer Station, Site Clearance & Sale of Reclaimed Materials Commercial Inception Date: 16 th January 2015 Type Of Insurance(s) Selected: Public & Employers Liability Existing Insurers: N/A Claims Information Disclosed: None CD 1/14/ :17:00 AM

3 Client Information Continued Insurance Information Neither you, as the Insured, nor any partner or director of officer in your business has: been convicted or charged (but not yet tried) with a criminal offence (other than a minor motoring offence) received an official caution for a criminal offence within the last three years (other than a motoring offence) ever been declared bankrupt and/or been a director of a Company which has gone into liquidation, administration or receivership ever knowingly failed to conform to legislation pertaining to Health & Safety at work activities. No Insurer has ever: declined a proposal not invited a renewal cancelled or refused to renew a policy imposed special conditions or requested extra precautions to be taken by you or any partner or director or officer in your business. Material Facts We remind you that you have a duty to disclose all material facts. A material fact is defined as any information that may influence an underwriter s acceptance of a risk, for example, a claim or claims, criminal convictions, future anticipated changes to the business including the business description or trade, imposed sanctions by the Health & Safety Executive or Environmental Agency. If you are in any doubt whether a fact is material, it MUST be disclosed, because failure to do so may invalidate your cover and could mean that part or all of a claim may not be paid. This duty remains throughout the duration of the policy and at any subsequent renewal. CD 1/14/ :17:00 AM

4 CD 1/14/ :17:00 AM

5 Demands & Needs, Suitability Statement You have asked us to provide quotations for the types of insurance detailed in the afore mentioned written quotation summary, or your demands and needs In addition you specific objectives included; Quotation to at least as comprehensive as your existing arrangements to note new business activities as Waste Recycling including own Waste Transfer Station Detailed below are specific information as to why we have recommended the products outlined in each quotation summary and why we feel they are suitable to your requirements following a fair comparison of product providers on your behalf. Where we have only reviewed one product provider, or a limited number of providers we will state this accordingly. Basis of which we have approached the market: Public & Employers Liability: We have only approached the insurers of the Insurance Scheme Marketing Activity: Terms provided in this presentation were by far the most competitive with alternative quotations being in excess of 10,000 Demands and Needs not met: None Basis for Recommendation The quotation recommended in each summary is suitable to your needs as it meets all of the agreed objectives as defined by you and complies with the trading requirements of your industry. The insurer selected is rated financially secure and provides an excellent lever of services. Material Facts We remind you that you have a duty to disclose all material facts. A material fact is defined as any information that may influence an underwriter s acceptance of a risk, for example, a claim or claims, criminal convictions, future anticipated changes to the business including the business description or trade, imposed sanctions by the Health & Safety Executive or Environmental Agency. If you are in any doubt whether a fact is material, it MUST be disclosed, because failure to do so may invalidate your cover and could mean that part or all of a claim may not be paid. This duty remains throughout the duration of the policy and at any subsequent renewal.

6 TERMS OF BUSINESS Accepting our Terms of Business By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to: the section headed Use of personal data, and specifically the paragraph explaining how sensitive personal data will be used; and the section headed Handling money, which explains our terms for handling client money in a Non-Statutory Trust account. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us at the above address. The Financial Conduct Authority Direct Insurance Group Plc is authorised and regulated by the Financial Conduct Authority (FCA), our FCA register number is Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You can confirm this on the FCA s Register by visiting the FCA s website or by contacting the FCA on Our service Our role is to advise you and, after we have assessed your needs, to make a suitable recommendation. In situations where we are able to arrange insurance for you but do not offer advice, we shall confirm the position to you in writing. We will not provide further advice or recommendations following the arrangement of insurance cover, unless you notify us of a material change of circumstances or formally request that we review your insurance arrangements. We will usually consider a range of providers to find you the most appropriate product to suit your needs. However depending on your needs we might only consider a specific product from a single provider, or products from a small selection of relevant providers. We may limit the number of providers we ask to those we use for selected types of insurance, through our own specialist facilities, or via a specialist intermediary. We may also choose to use a delegated authority arrangement, which means that we have the authority to do certain things on behalf of the provider. That could include calculating your premiums, issuing your policy documents and administering your claims. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. Complaints and compensation We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact our Customer Services Manager at the address shown above. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (except in the case of a business with a group annual turnover of 1m or more, a charity with an annual income of 1m or more or trustees of a trust with a net asset value of 1m or more). We are covered by the Financial Services Compensation Scheme (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. If you are eligible to claim from the FSCS, Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on or Payment for our services We normally earn remuneration by receiving a commission payment from insurers or product providers, this amount will usually be calculated as a percentage of the insurance premium and the percentage will have been contractually agreed with the insurance company. We can also earn remuneration by charging you a fee for our services. Whenever we charge a fee, that amount will be agreed with you in advance and will be disclosed to you separately to the insurance premium. We therefore may charge you a fee and earn commission when placing your insurances. On request we will be pleased to provide information about any commission received by us in the handling of your insurances. We also earn remuneration for mid term adjustments made to your policy by you (mid-term adjustment fee = 25) The quote / renewal presentation will tell you the total price to be paid and identifies any fees, taxes and charges separately from the premium. We also draw your attention to the sections below headed Cancellation of Insurances and Ending your relationship with us. We also reserve the right to charge a 25 administration fee if a cheque is not honoured by your bank and for any type of defaulted payment. Handling money Our financial arrangements with most insurance companies are on a Risk Transfer basis. This means that we act as agents of the insurer in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with which your insurance is arranged. If Risk Transfer does not apply and such monies will then be held by us in a Non-Statutory Trust account pending payment. The establishment of the Non-Statutory Trust account follows the rules which the FCA introduced to protect money held by authorised intermediaries. However, you should be aware that, under the Non-Statutory Trust account rules, we are permitted to use such monies temporarily held to advance credit to clients generally. A copy of the Deed of Trust is available on request or may be inspected at our premises during normal office hours. If you object to your money being held in a Non-Statutory Trust account you should advise us immediately. Otherwise, your agreement to pay the premium together with your acceptance of these Terms of Business will constitute your informed consent to our holding your money in a Non- Statutory Trust account. Interest earned on monies held in such a Non-Statutory Trust account will be retained by us. For the purpose of some transactions, client money may pass through other authorised intermediaries before being paid to the insurer.

7 Presentation Created on 1/14/ :17:00 AM Cancellation of insurances / Return Premiums If you are a consumer acting for purposes outside of your trade or profession, you may be entitled to cancel your insurance policy for any reason within 14 days of receiving the full policy terms. We will charge 25 to cover our administration costs within this period and the insurer may be entitled to retain a portion of the premium. You may not be entitled to a refund of premium if a claim has been made against your insurance policy. For full details of this entitlement and whether you are eligible, please refer to the insurance policy wording. You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance must be returned to us or to the insurer concerned immediately. In the event of any cancellation outside the above entitlement we will charge a cancellation fee of Any return premium including return premiums caused by an amendment to your policy will be refunded net of any commission earned. Any arrangement or administration fees charged throughout the policy are not re-fundable. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation before the policy expires. For minimum and deposit premium polices there is no return on cancellation. Please check with us before providing cancellation instructions. Ending your relationship with us Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose a penalty. Your instructions must be given in writing and will take effect from the date of receipt. In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days notice. Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided. Your responsibilities You are responsible for providing the complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. If you fail to disclose information, or misrepresent any fact which may influence the insurer s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid. You must check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy. You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, terminology or what constitutes a material fact then please contact us immediately for guidance. Use of personal data We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act In administering your insurances it will be necessary for us to pass such information to insurers and other product or service providers which may also provide us with business and compliance support. We may also disclose details to relevant parties, as necessary, to comply with regulatory or legal requirements. We may contact you or pass your details to other companies associated with us in order to promote products or services which may be of interest to you. We will not otherwise use or disclose the personal information we hold without your consent. Some of the details you may be asked to give us, such as information about offences or medical conditions, are defined by the Act as sensitive personal data. By giving us such information you signify your consent to its being processed by us in arranging and administering your insurances. Subject to certain exceptions, you will be entitled to have access to your personal and sensitive personal data for which you will be charged a fee of 10. If at any time you wish us, or any company associated with us, to cease processing any of the personal data or sensitive personal data we hold, or to cease contacting you about products and services, please write to our Customer Service Manager at the address shown above. Conflict of interests Occasions can arise where we or one of our associated companies, clients or product providers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment. Claims handling arrangements You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. Insurers require immediate notification of a claim or circumstances which might lead to a claim. Failure to notify insurers immediately can prejudice their position and investigation and result in the repudiation of the claim. Please notify us immediately within our office hours of any incident or accident that could result in a claim, we will inform the insurer without delay. We will employ due care and skill if we act on your behalf in respect of a claim.

Terms of Business. Accepting our Terms of Business

Terms of Business. Accepting our Terms of Business Accepting our Terms of Business Terms of Business By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular

More information

Trade Direct Insurance Services Ltd Trade Direct House Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement

Trade Direct Insurance Services Ltd Trade Direct House Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement Trade Direct Insurance Services Ltd Trade Direct House Ockford Road Godalming GU7 1RH Terms and Conditions of Business Agreement This document is important and sets out the basis upon which we will carry

More information

about our insurance services

about our insurance services about our insurance services Alton House 27-31 Grange Road, Darlington, DL1 5NA Telephone: 01325 346 328 Fax: 01325 480 708 www.ukinsurancenet.com 1. The Financial Conduct Authority (FCA) The FCA is the

More information

Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement. Our Service

Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement. Our Service Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH Terms and Conditions of Business Agreement This document is important and sets out the basis upon which we will carry on our business

More information

Debenhams. Terms of Business. www.debenhamscarinsurance.co.uk

Debenhams. Terms of Business. www.debenhamscarinsurance.co.uk Terms of Business Debenhams Terms of Business www.debenhamscarinsurance.co.uk Accepting our Terms of Business By asking us to quote for, arrange or handle your insurances, you are providing your informed

More information

TERMS OF BUSINESS. For certain types of insurance we are also authorised to issue policy documentation and/or certificates on behalf of the insurers.

TERMS OF BUSINESS. For certain types of insurance we are also authorised to issue policy documentation and/or certificates on behalf of the insurers. TERMS OF BUSINESS This document is effective from 27 September 2013 and supersedes all Terms of Business previously issued by us. It sets out the terms upon which we agree to act for our clients and contains

More information

Commercial Terms of Business Agreement

Commercial Terms of Business Agreement Commercial Terms of Business Agreement The purpose of this document is to set out our professional relationship and the services we will provide to you. This is our standard client agreement upon which

More information

3.6. Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in an English court.

3.6. Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in an English court. Terms of business agreement - commercial customers M & N Insurance Service Limited Authorised and regulated by the Financial Conduct Authority No: 305837. Registered Office: 248 Hendon Way London NW4 3NL

More information

Initial Disclosure Document (IDD) and Terms of Business Agreement (TOBA)

Initial Disclosure Document (IDD) and Terms of Business Agreement (TOBA) Initial Disclosure Document (IDD) and Terms of Business Agreement (TOBA) About our insurance services Callaway & Sons Insurance Consultants Ltd 56 New Writtle Street, Chelmsford, Essex CM2 0SE 1 The Financial

More information

Berry Insurance Brokers

Berry Insurance Brokers Berry Insurance Brokers Terms of Business - Personal Insurance F Berry (Leyland) Ltd trading as Berry Insurance Brokers,149 Towngate, Leyland, Preston, Lancashire, PR25 2LH is an independent broker. We

More information

Terms of business agreement - Commercial clients

Terms of business agreement - Commercial clients Terms of business agreement - Commercial clients Please read this document carefully. It sets out the terms on which Finch Insurance Brokers Ltd agree to act for clients and contains details of our responsibilities

More information

UIBL TOBA. United Insurance Brokers Ltd. Terms of Business Agreement

UIBL TOBA. United Insurance Brokers Ltd. Terms of Business Agreement TOBA United Insurance Brokers Ltd Terms of Business Agreement 1. Introduction and business service United Insurance Brokers Ltd () is an independent international insurance and reinsurance (1) Lloyd s

More information

ABOUT OUR SERVICES AND COSTS

ABOUT OUR SERVICES AND COSTS ABOUT OUR SERVICES AND COSTS 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers

More information

Corporate Insurance Solutions Ltd BUSINESS INSURANCE CONSULTANTS

Corporate Insurance Solutions Ltd BUSINESS INSURANCE CONSULTANTS Terms of Business This Agreement is between You our client or potential client and Corporate Insurance Solutions Ltd and applies to all work that we carry out on your behalf. Corporate Insurance Solutions

More information

Contents. Terms of Business...3 Your Responsibilities...3 Charges and Cancellation Process...5 General Conditions...8. page 2

Contents. Terms of Business...3 Your Responsibilities...3 Charges and Cancellation Process...5 General Conditions...8. page 2 Terms of Business Contents Terms of Business...3 Your Responsibilities...3 Charges and Cancellation Process...5 General Conditions...8 page 2 Terms of Business About Us One Insurance Solution is a trading

More information

G&T Brokers Limited. Terms of Business Agreement ( TOBA )

G&T Brokers Limited. Terms of Business Agreement ( TOBA ) Terms of Business Agreement ( TOBA ) The purpose of this document is to describe our professional relationship and the services we will provide to you. You should read this document carefully for as well

More information

Terms of Business. Murray & Spelman Ltd. Name: T/A Murray # Spelman Insurance & Finance. Name & Contact Details:

Terms of Business. Murray & Spelman Ltd. Name: T/A Murray # Spelman Insurance & Finance. Name & Contact Details: Terms of Business Murray & Spelman Ltd T/A Murray # Spelman Insurance & Finance Name & Contact Details: Name: Mr. Michael Culhane (Managing Director) Telephone Number: 091759500 Company Murray & Spelman

More information

CLIENT AGREEMENT. Candid Financial Advice Limited 95A High Street Thame Oxfordshire OX9 3EH

CLIENT AGREEMENT. Candid Financial Advice Limited 95A High Street Thame Oxfordshire OX9 3EH Candid Financial Advice Limited 95A High Street Thame Oxfordshire OX9 3EH CLIENT AGREEMENT 1. This document sets out the basis on which we will conduct business with you and on your behalf. It is an important

More information

Apex Risk Advisors Limited trading as Apex Insurance Brokers 7 South Mall, Cork. Fax: 021 2399204 www.apexinsurance.ie

Apex Risk Advisors Limited trading as Apex Insurance Brokers 7 South Mall, Cork. Fax: 021 2399204 www.apexinsurance.ie Apex Risk Advisors Limited trading as Apex Insurance Brokers Tel: 021 2398864 7 South Mall, Cork. Fax: 021 2399204 www.apexinsurance.ie General Terms of Business These terms of business set out the basis

More information

Asda Van Insurance. money. Terms of Business

Asda Van Insurance. money. Terms of Business Asda Van Insurance money Terms of Business Contents page number TERMS OF BUSINESS... 3 About The Service we Provide... 3 Our Status and the Services Provided... 3 The Capacity in Which We re Acting...

More information

TERMS OF BUSINESS FOR ACCOUNTANTS

TERMS OF BUSINESS FOR ACCOUNTANTS TERMS OF BUSINESS FOR ACCOUNTANTS The Professional Indemnity Company Indemnity House 131 Main Road Broughton Chester CH4 0NR Tel: 0333 733 5192 Fax: 0333 733 5193 www.theprofessionalindemnitycompany.com

More information

TERMS OF BUSINESS. Registered as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005 (as amended).

TERMS OF BUSINESS. Registered as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005 (as amended). TERMS OF BUSINESS INTRODUCTION The purpose of this document is to set out the basis on which Campion Insurances Limited trading as Campion Insurance, Bestquote.ie and ISME Insurance Services will provide

More information

Britannia Additional Insurances Terms of Business Agreement

Britannia Additional Insurances Terms of Business Agreement Britannia Additional Insurances Terms of Business Agreement MAY 2014 Introduction This terms of business agreement (the Agreement ) sets out the nature and scope of the insurance mediation services The

More information

CLIENT TERMS OF BUSINESS AGREEMENT

CLIENT TERMS OF BUSINESS AGREEMENT CLIENT TERMS OF BUSINESS AGREEMENT General Information Seascope Insurance Services Limited (SIS) is an independent Lloyd s broker and is not tied to any one insurer. SIS has received a Grant of Permission

More information

Who we are and how to contact us

Who we are and how to contact us welove agents.co. uk Who we are and how to contact us WeLoveAgents The Boardwalk, Cambridge Research Park, Cambridge CB25 9PD Phone: 01223 792297 Fax: 01223 792273 Email: info@weloveagents.co.uk The Financial

More information

Van Insurance Terms of Business Agreement

Van Insurance Terms of Business Agreement Van Insurance Terms of Business Agreement Who regulates us? Kwik Fit Insurance Services ( KFIS, we, us, our ) is a trading name of Ageas Retail Limited. Ageas Retail Limited is authorised and regulated

More information

JPR INSURANCE BROKERS LIMITED TERMS OF BUSINESS AGREEMENT (TOBA)

JPR INSURANCE BROKERS LIMITED TERMS OF BUSINESS AGREEMENT (TOBA) 1. Please read this document carefully. JPR INSURANCE BROKERS LIMITED TERMS OF BUSINESS AGREEMENT (TOBA) It sets out the terms on which we agree to act for our clients and contains details of our regulatory

More information

Asda Van Insurance. Terms of Business. money

Asda Van Insurance. Terms of Business. money Asda Van Insurance Terms of Business money Contents page number TERMS OF BUSINESS... 3 About The Service we Provide... 3 Our Status and the Services Provided... 3 The Capacity in Which We re Acting...

More information

TERMS OF BUSINESS FOR CLIENTS

TERMS OF BUSINESS FOR CLIENTS TERMS OF BUSINESS FOR CLIENTS Introduction This Terms of Business Agreement (TOBA) sets out the nature and scope of the services Premier Choice Group will be providing to you and other information required

More information

Home Insurance Terms of Business Agreement

Home Insurance Terms of Business Agreement Home Insurance Terms of Business Agreement Who regulates us? Kwik Fit Insurance Services ( KFIS, we, us, our ) is a trading name of Ageas Retail Limited. Ageas Retail Limited is authorised and regulated

More information

Client Agreement Mortgages and Protection Planning

Client Agreement Mortgages and Protection Planning Client Agreement Mortgages and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services and a summary

More information

TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING

TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING 1. BROKER INFORMATION TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING Stephenson s (2000) Ltd T/As Cooke & Mason, Manor House 3 Low Moor Road Lincoln LN6 3JY is an independent Chartered Insurance Broker.

More information

Asda Car Insurance. Terms of Business. money

Asda Car Insurance. Terms of Business. money Asda Car Insurance Terms of Business money Contents page number Terms of Business... 3 About us... 3 Our status and the services provided... 3 The capacity in which we re acting... 3 Quotations... 3 How

More information

Asda Value Car Insurance. Terms of Business. money

Asda Value Car Insurance. Terms of Business. money Asda Value Car Insurance Terms of Business money Contents page number Terms of Business... 3 About the Service we Provide... 3 Our Status and the Services Provided... 3 The Capacity in Which we re Acting...

More information

terms of business agreement

terms of business agreement terms of business agreement Total Landlord Insurance Terms of Business Agreement Please read this document carefully as it sets out the basis on which Total Landlord Insurance will provide landlords insurance

More information

Excess Professional Indemnity Insurance

Excess Professional Indemnity Insurance Excess Professional Indemnity Insurance Contents A warm welcome to Vela Underwriting 3 Making yourself heard 4 Excess Professional Indemnity Insurance Policy 5 Section 1 Definitions 8 Section 2 The Cover

More information

Terms of Business and Important Information We Must Disclose to You

Terms of Business and Important Information We Must Disclose to You 1. Terms of Business ( Terms ) In these Terms references to we or us are to the firm whose details are set out in the covering letter that accompanies these Terms. We recommend that for your own benefit

More information

INTRODUCTION TO LUKER ROWE & TERMS OF BUSINESS GENERAL INSURANCE

INTRODUCTION TO LUKER ROWE & TERMS OF BUSINESS GENERAL INSURANCE INTRODUCTION TO LUKER ROWE & TERMS OF BUSINESS GENERAL INSURANCE Luker Rowe Chartered Insurance Brokers Century House, London Road Amersham, Buckinghamshire, HP7 0TU Tel: 01494 733337; Fax: 01494 733366;

More information

A L L B R I G H T B I S H O P R O W L E Y L I M I T E D T E R M S OF B U S I N E S S

A L L B R I G H T B I S H O P R O W L E Y L I M I T E D T E R M S OF B U S I N E S S GENERAL POINTS A L L B R I G H T B I S H O P R O W L E Y L I M I T E D T E R M S OF B U S I N E S S 1. Allbright Bishop Rowley Limited (or ABR) is a General insurance broker based at 2-3 The Courtyard,

More information

Octagon Insurance Terms of Business

Octagon Insurance Terms of Business Octagon Insurance Terms of Business About Octagon Insurance Octagon Insurance Company Limited and Octagon Insurance Services Limited are authorised and regulated by the Gibraltar Financial Services Commission,

More information

Dance Teachers Insurance

Dance Teachers Insurance Dance Teachers Insurance Policy information and proposal form Royal Academy of Dance Insurance scheme available to members and authorised personnel based in the UK Policy information As a member or authorised

More information

Terms of Business Agreement (Wholesale)

Terms of Business Agreement (Wholesale) Terms of Business Agreement (Wholesale) This agreement is dated and is made between 1 (Company Number ) (the Broker ) whose Registered Office is and 2 Glemham Underwriting Limited (Company Number 5509907)

More information

The companies are registered in Gibraltar (Reg. Nos. 102260 and 106445). Registered Offices: Suite 945 Europort, Gibraltar.

The companies are registered in Gibraltar (Reg. Nos. 102260 and 106445). Registered Offices: Suite 945 Europort, Gibraltar. TERMS OF BUSINESS ABOUT OCTAGON INSURANCE Octagon Insurance Company Limited and Octagon Insurance Services Limited are authorised and regulated by the Gibraltar Financial Services Commission, and subject

More information

Mortgages, Equity Release and Protection Planning

Mortgages, Equity Release and Protection Planning apr Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

New and improved benefits * Insurance Solutions. Football team Group personal accident insurance. Summary of benefits and premiums

New and improved benefits * Insurance Solutions. Football team Group personal accident insurance. Summary of benefits and premiums New and improved benefits * Insurance Solutions Football team Group personal accident insurance Summary of benefits and premiums *Valid from May 2010 Insurance Solutions Group personal accident Football

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Excess Professional Indemnity. Policy document

Excess Professional Indemnity. Policy document Excess Professional Indemnity Policy document Contents A warm welcome to Zurich 3 Your Excess Professional Indemnity policy 3 Section 1 Definitions 5 Section 2 The Cover 5 Section 3 Provisions 6 Section

More information

Terms of Business Equity Release Mortgages and Protection Planning

Terms of Business Equity Release Mortgages and Protection Planning Terms of Business Equity Release Mortgages and Protection Planning 1. Introduction This document sets out the terms under which our services are to be provided, including a summary of our charges for those

More information

Terms and conditions

Terms and conditions Terms and conditions The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Employers Liability. Policy document

Employers Liability. Policy document Employers Liability Policy document Contents A warm welcome to Zurich 3 Your Employers Liability policy 3 The cover 5 Exclusions 6 Conditions 6 Our complaints procedure 7 2 A warm welcome to Zurich Thank

More information

Excess Professional Indemnity policy

Excess Professional Indemnity policy Excess Professional Indemnity policy Contents A warm welcome to Vela Underwriting 3 Making yourself heard 4 Your Excess Professional Indemnity Insurance Policy 5 Section 1 Definitions 8 Section 2 The Cover

More information

Mortgages, Equity Release and Protection Planning

Mortgages, Equity Release and Protection Planning Page 1 of 7 Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific

More information

COMPUTER QUOTE TERMS OF BUSINESS AND INFORMATION REGARDING OUR SERVICES

COMPUTER QUOTE TERMS OF BUSINESS AND INFORMATION REGARDING OUR SERVICES COMPUTER QUOTE TERMS OF BUSINESS AND INFORMATION REGARDING OUR SERVICES Birch House Parklands Business Park Forest Road Denmead Hampshire PO7 6XP (Computer Quote is the trading name of Stride Limited)

More information

Mortgages, Equity Release and Protection Planning

Mortgages, Equity Release and Protection Planning Page 1 of 6 Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific

More information

Terms of Business for Consumer Customers

Terms of Business for Consumer Customers Terms of Business for Consumer Customers Applying to General Insurance We recommend that you carefully read these Terms that apply to our appointment by you and the services we will provide. Company Contact

More information

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover Policy Booklet Inside you ll find full details of your Upgraded Courtesy Car Cover Upgraded Courtesy Car Cover Contents Page Policy summary 1 Terms and conditions about your insurance 6 Meaning of words

More information

Austin Suite Business & Innovation Centre Sunderland SR5 2TA

Austin Suite Business & Innovation Centre Sunderland SR5 2TA TERMS OF ENGAGEMENT Investment Mortgage Protection Financial Planning WJR Financial Solutions Limited Austin Suite Business & Innovation Centre Sunderland SR5 2TA 06/2015 V1.1 1. Authorisation Statement

More information

Multi Motor Excess Protect Policy Document

Multi Motor Excess Protect Policy Document Multi Motor Excess Protect Policy Document Thank you for choosing multi motor excess protect insurance. The information in this policy wording contains important information and we have made it as easy

More information

Your Van Insurance Term of Business Policy Booklet

Your Van Insurance Term of Business Policy Booklet Your Van Insurance Term of Business Policy Booklet Contents Terms of Business...3 About us...3 Our status and the services provided...3 The capacity in which we re acting...3 Quotations...3 Automatic renewal...3

More information

METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE

METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE METLIFE EXCEPTED GROUP LIFE POLICY TECHNICAL GUIDE This document is a guide to the features, benefits, risks and limitations of the MetLife Excepted Group Life policy, including how the policy works and

More information

Managed Fund Service. Terms and Conditions

Managed Fund Service. Terms and Conditions Managed Fund Service Terms and Conditions Important Information These are the Terms and Conditions for your Balkerne Asset Management Managed Fund Service. You are advised to read them carefully. The terms

More information

Abbey Tax /Equity Business extension application form

Abbey Tax /Equity Business extension application form Abbey Tax /Equity Business extension application form Professional Expenses (tax investigations) Insurance business extension application form Suitable for business activities not connected with an individual

More information

This document explains the service you are being offered and how you will pay for it.

This document explains the service you are being offered and how you will pay for it. CLIENT AGREEMENT This document explains the service you are being offered and how you will pay for it. 1. Commencement date This Client Agreement comes into effect on the date you receive it from us. 2.

More information

Mortgage and Equity Release Client Agreement

Mortgage and Equity Release Client Agreement Mortgage and Equity Release Client Agreement Client name Date of issue CONTENTS Client agreement 1 This details the terms and conditions under which we will conduct business with you. Keyfacts about our

More information

NWBIB. Insurance Brokers TERMS OF BUSINESS

NWBIB. Insurance Brokers TERMS OF BUSINESS NWBIB Insurance Brokers TERMS OF BUSINESS Who we are and how to contact us NWBIB Ltd The Boardwalk, Cambridge Research Park, Cambridge CB25 9PD Phone: 01223 792290 Fax: 01223 792273 Email: info@nwbib.co.uk

More information

G74 5DD. We only offer products from a limited number of companies.?? We only offer a particular product from a single group of companies.

G74 5DD. We only offer products from a limited number of companies.?? We only offer a particular product from a single group of companies. about our services A to Z Limited 6 Bowmore Cr, Glasgow, G74 5DD 1. The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services. This document is designed

More information

Key Protection Policy Wording

Key Protection Policy Wording Key Protection Policy Wording This Policy has been arranged by Motorplus Limited and Boomerang-Tag Limited with Qdos Broker & Underwriting Services Limited and is underwritten by UK General Insurance Limited

More information

about our services Mark Grayshan Mortgage & Insurance Suite 314, Woodend The Crescent Scarborough YO11 2PW Mob: 07767692653

about our services Mark Grayshan Mortgage & Insurance Suite 314, Woodend The Crescent Scarborough YO11 2PW Mob: 07767692653 about our services Mark Grayshan Mortgage & Suite 314, Woodend The Crescent Scarborough YO11 2PW Mob: 07767692653 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates

More information

Requirements made under the Intermediaries Byelaw

Requirements made under the Intermediaries Byelaw Chapter 2 Requirements made under the Intermediaries Byelaw Section 1 Delegated Underwriting Registers of coverholders and registered binding authorities Part B of the Intermediaries Byelaw Format and

More information

POST OFFICE MONEY BUSINESS INSURANCE Terms of Business Agreement

POST OFFICE MONEY BUSINESS INSURANCE Terms of Business Agreement POST OFFICE MONEY BUSINESS INSURANCE Terms of Business Agreement Post Office Money is a registered trademark of the Post Office and is used under licence by Arthur J. Gallagher Insurance Brokers Limited.

More information

Firm Registration Form

Firm Registration Form Firm Registration Form Firm Registration Form This registration form should be completed by firms who are authorised and regulated by the Financial Conduct Authority. All sections of this form are mandatory.

More information

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary Your policy summary 2. Your policy summary 5. Important

More information

Introducers TOBA. Terms of Business Agreement for Introducers

Introducers TOBA. Terms of Business Agreement for Introducers Introducers TOBA Terms of Business Agreement for Introducers Free Online Multiquote Platforms The leader in its field and its FREE Earn commission or oer discounted rates to members and clients Up and

More information

Hutchison Rodway Insurance Hutchison Rodway (Marlborough) Ltd TERMS OF BUSINESS ARRANGEMENT

Hutchison Rodway Insurance Hutchison Rodway (Marlborough) Ltd TERMS OF BUSINESS ARRANGEMENT 1. Agreement 1.1 You have appointed as your insurance broker. Hutchison Rodway Insurance Hutchison Rodway (Marlborough) Ltd TERMS OF BUSINESS ARRANGEMENT Hutchison Rodway Insurance PO Box 150, Blenheim

More information

Replacement Vehicle Policy

Replacement Vehicle Policy Replacement Vehicle Policy 1 This policy has been arranged by Motorplus Limited (trading as ULR) with Qdos Broker & Underwriting Services Limited and is underwritten by: Groupama Insurance Company Limited,

More information

Professional Indemnity Insurance for Miscellaneous Error and Omissions (Aggregate Costs Inclusive)

Professional Indemnity Insurance for Miscellaneous Error and Omissions (Aggregate Costs Inclusive) POLICY SUMMARY Please read carefully and retain Professional Indemnity Insurance for Miscellaneous Error and Omissions Intasure Professional Indemnity Insurance for Miscellaneous Error and Omissions Policy

More information

TERMS OF BUSINESS AGREEMENT

TERMS OF BUSINESS AGREEMENT Insurance and Reinsurance Brokers Iris Insurance Brokers Ltd 7 th Floor, New London House 6 London Street, London, EC3R 7LP United Kingdom. Tel: +44 (0)20 3178 7872 Fax: +44 (0)1702 431 644 Email: mail@irisib.com

More information

Professional Indemnity Insurance Debt Management Consultants Proposal Form

Professional Indemnity Insurance Debt Management Consultants Proposal Form Professional Indemnity Insurance Debt Management Consultants Proposal Form The PI Desk Ltd Suite B, Sheffield Business Centre Europa Link, Sheffield, South Yorkshire, S9 1XZ Tel: 0114 242 1176 Fax: 0114

More information

Your policy summary. If you have an accident...call us straight away on 0844 891 5391.

Your policy summary. If you have an accident...call us straight away on 0844 891 5391. Your policy summary If you have an accident...call us straight away on 0844 891 5391. For our joint protection, calls may be recorded and/or monitored. Your policy summary 2. Your policy summary 5. Important

More information

Fleet Excess Protect

Fleet Excess Protect Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible

More information

MEDIATORS DECLARATION PEACEWISE MASTER POLICY

MEDIATORS DECLARATION PEACEWISE MASTER POLICY Marsh Pty Ltd ABN 86004651512 PO Box H176 AUSTRALIA SQUARE NSW 1215 PROFESSIONAL INDEMNITY INSURANCE MEDIATORS DECLARATION PEACEWISE MASTER POLICY Professional Indemnity Declaration for Mediators who have

More information

Entertainment & Event Liability Insurance Proposal

Entertainment & Event Liability Insurance Proposal Intermediary Date / / Contact Name Phone ( ) Period of Insurance to at 4.00pm INSURED DETAILS Insured Name / ABN (Full details required, inc. Trading Name if Applicable) ABN: Address / Situation Description

More information

Coversure Security Industry Insurance Proposal

Coversure Security Industry Insurance Proposal Intermediary Date / / Contact Name Phone ( ) Period of Insurance to at 4.00pm INSURED DETAILS Insured Name / ABN (Full details required, inc. Trading Name if Applicable) Postal Address Location of Premises

More information

SHORT TERM THEATRE INSURANCE PROPOSAL

SHORT TERM THEATRE INSURANCE PROPOSAL *A FULL POLICY WORDING IS AVAILABLE ON REQUEST* Please complete in full selecting the covers you require or have been quoted. Name of Proposer in full: SHORT TERM THEATRE INSURANCE PROPOSAL. Limited Company

More information

Excess Directors and Officers Liability. Policy document

Excess Directors and Officers Liability. Policy document Excess Directors and Officers Liability Policy document Contents A warm welcome to Zurich 3 Your Excess Directors and Officers Liability policy 4 Section 1 Agreement with underlying policies 7 Section

More information

Client Agreement Mortgages, Equity Release and Protection Planning

Client Agreement Mortgages, Equity Release and Protection Planning Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services

More information

Octagon Insurance Replacement Vehicle Policy

Octagon Insurance Replacement Vehicle Policy Octagon Insurance Replacement Vehicle Policy 1 This insurance policy has been arranged by Qdos Broker & Underwriting Services Limited, is administered by Motorplus Limited (trading as Motorplus and ULR)

More information

Property Insurance for Tenant s Liability & Optional Contents Cover

Property Insurance for Tenant s Liability & Optional Contents Cover POLICY SUMMARY Please read carefully and retain Property Insurance for Tenant s Liability & Optional Contents Cover (This is a portable insurance policy) Property Insurance for Tenant s Liability & Optional

More information

CLIENT AGREEMENT CLIENT AGREEMENT VERSION 1.5.15

CLIENT AGREEMENT CLIENT AGREEMENT VERSION 1.5.15 CLIENT AGREEMENT VERSION 1.5.15 CLIENT AGREEMENT Chadney Bulgin is authorised and regulated by the Financial Conduct Authority (FCA), FCA register number 483323. Contents 1. The Financial Conduct Authority

More information

Accountants. Professional Indemnity Proposal Form. Vantage Professional Risks. 41 Eastcheap London EC3M 1DT

Accountants. Professional Indemnity Proposal Form. Vantage Professional Risks. 41 Eastcheap London EC3M 1DT Professional Indemnity Proposal Form Accountants Vantage Professional Risks 41 Eastcheap London EC3M 1DT Telephone 020 7655 8020 Email: pi@vantageinsurance.co.uk www.vantageprofessionalrisks.co.uk IMPORTANT

More information

Tradesman & Contractors Policy Statement Of Facts

Tradesman & Contractors Policy Statement Of Facts This Statement of Facts was issued on 03/08/2015 14:46:23 Your iprism reference is Your Policy Number is 0000RLSY I11/052014/TR/013442 Your insurance is effective from 03/08/2015 13:06:11 Agency Agent

More information

An Agreement dated [ enter date ] governing the conduct of Insurance Business between:

An Agreement dated [ enter date ] governing the conduct of Insurance Business between: Terms of Business Agreement (Non Risk Transfer) An Agreement dated [ enter date ] governing the conduct of Insurance Business between: and [Name of Managing Agent] on its own behalf and on behalf of the

More information

Tradesmen. Hold Cover Summary. Mark Wrighton 139,Borden Lane Sittingbourne KENT ME10 1BY

Tradesmen. Hold Cover Summary. Mark Wrighton 139,Borden Lane Sittingbourne KENT ME10 1BY Mark Wrighton 139,Borden Lane Sittingbourne KENT ME10 1BY AXA Insurance UK Plc 3 Atlantic Quay PO Box 182 Glasgow G2 8JH Tel: 0845 758 1076 Fax: 0870 333 2548 Date of Issue: 24th April 2014 Tradesmen Hold

More information

Sports Liability Insurance. for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers

Sports Liability Insurance. for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers Sports Liability Insurance for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers Contents Choose sportsinsurance4u from General & Medical Healthcare

More information

Client Agreement. Investment, Protection and Financial Planning

Client Agreement. Investment, Protection and Financial Planning Page 1 of 10 Client Agreement Investment, Protection and Financial Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific

More information

Policy document. Employers Liability

Policy document. Employers Liability Policy document Employers Liability Contents Employers Liability 4 The cover 5 Exclusions 8 Conditions 9 Complaints procedure 10 A warm welcome to Zurich Thank you for taking out your Employers Liability

More information

Protection for business Motor Fleet Insurance

Protection for business Motor Fleet Insurance Protection for business Motor Fleet Insurance Haulage Factfinder Motor Fleet Insurance Haulage Factfinder The information you provide in this form will be used to assess your motor fleet insurance risk

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information