CLIENT TERMS
OF BUSINESS/INFORMATION SHEET
STATUS
Ashbourne General Insurance Services Ltd is an
independent insurance intermediary who acts as your agent. We offer a
wide range of insurance products and deal with a number of insurers in
the market place. Our service includes advising and arranging insurance
to meet your requirements. We also will assist you in any ongoing future
changes that you need to make. Included in our services we will assist
and advise you with any claim you need to make, however, within your
policy booklet there are set procedures that you must follow.
Any money held is as an agent of the Insurers.
Ashbourne General Insurance Services Ltd is authorised and regulated
by the Financial Conduct Authority which regulate sales, advisory and
services standards for the selling of non-investment insurance products,
excluding Long Term Care, to ensure the customers are treated fairly.
COMPLETION OF
PROPOSAL FORMS
Your attention is particularly drawn to the importance of the
Declaration and signature on insurer proposal forms. It is your
responsibility to ensure that accurate information is given to the
insurers when you take out your insurance policy, throughout the life of
your policy and when you renew your insurance. Any failure to disclose
facts material to the insurance or any inaccuracies in your answers could
invalidate the cover and therefore could mean that part or all of a claim
may not be paid.
Please do consult us if you are in doubt of any aspect.
DOCUMENTATION
We will endeavour to make sure that you receive all your documentation
that you need promptly. However, if for any reason we withhold any
insurance documentation we will obtain your permission, unless permitted
to do so by law. If we do hold any documents, we will make sure that you
receive full details of your insurance cover and any documents that you
need to have by law.
COMPLAINTS
It is our intention to provide you with a high level of customer
service at all times. If there are occasions when we do not meet your
standards please contact Mr. G. Whitehouse,
either verbally or in writing, who will take details of your concerns and
attempt to address the issue within five working days. If our
investigations take longer we will provide a full response within 20
working days or explain our position and provide timescales for a full
response. Should you fail to be satisfied with our replies you will then
have access to the Financial Conduct Authority’s explanatory leaflet from
us dealing with Dispute Resolution.
The Dispute Resolution Facility only applies to private customers.
COOLING OFF
PERIOD
Under the Private Customer Code, we have to give you certain information
before you make your decision. If we have not given you this information
when you buy your insurance (and you have not told us you do not want it)
we will allow you a “cooling-off” period of at least 14 days from the
time you receive the information. If you do not want to continue with the
insurance, you may cancel your cover within this period and get all your
money back (as long as you have not made any claims).
If however, you want to buy your insurance without receiving all the
information about the products and services, we will keep a record of
your agreement to this and there will not be a “cooling-off” period.
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