Terms of Business
The Financial Services Authority
The Financial Services Authority (FSA) is an independent watchdog that regulates
financial services. It requires us to give you this document.
Please use the information below to confirm that the service we are offering is
right for you.
Whose Products do we offer?
We only offer household buildings and contents products on behalf of Lloyd’s of
London and other international insurers.
Which Services do we provide you with?
We do not specifically recommend products, however, we will ask you questions to
determine that the product we are offering is applicable for your circumstances.
You can then choose whether you wish to proceed.
What will you have to pay us for our services?
For our services in providing this product we charge an annual administration
fee of up to £24/€36.
Return premiums:
These can arise if an insurance risk is reduced or a policy is cancelled. If a
policy is cancelled, any premium refund will be subject to the deduction of the
administration fee as above.
We will not issue any return of premium that is less than £10/€15.
Who Regulates Us?
Intasure is a trading name of Blenheim Park Limited which is authorised and
regulated by the Financial Services Authority. Our FSA registration number is
311572.
Intasure Homes & Holiday Homes overseas and in the UK, is underwritten by
certain underwriters at Lloyd’s of London who are authorised and regulated by the
Financial Services Authority, and other international insurers
Our permitted business is to provide an underwriting and claims service, arrange
your insurance cover to meet your requirements and help you with ongoing
changes you have to make to your policy.
You can check this on the FSA’s Register by visiting the FSA’s web site
www.fsa.gov.uk/register Tel: 0845
606 1234
What to do if you have a Complaint
If you wish to register a complaint, please contact us in writing at:
Managing Director
Intasure
Suffolk House
George Street
Croydon
Surrey CR0 2NW
or by telephone on 0845 111 0294
If you cannot settle your complaint with us you may be entitled to refer it to
the Financial Ombudsman Service.
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,
depending on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first £2,000/€3,000
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
any
claim, without upper limit.
Further information about the compensation scheme arrangements is available from
the FSCS.
Your Duty of Disclosure
It is your responsibility to provide complete and accurate information to
insurers when you take out your insurance policy, throughout the life of the
policy and when you renew it.
It is important you ensure that all statements you make in a telephone
application or on a web-based proposal form, claim form or other documentation
are full and accurate.
Please note that if you fail to disclose any material information, or change of
circumstances, to your insurers this could invalidate your insurance cover and
could mean that part or all of a claim may not be paid.
We strongly recommend that the information provided is checked thoroughly prior
to submission and that you keep a record of all correspondence supplied in
relation to the arrangement of your insurance cover.
Settlement Terms
We will be responsible for requesting payment for all new and renewal premiums
and mid-term alterations as soon as practicable but prior to inception or
renewal of your policy.
We will hold premiums as agent of the insurer and remit premiums to insurers in
accordance with the agreed terms of trade.
You will be responsible for paying promptly all of our payment requests for
premiums, to enable us to make the necessary payments to insurers.
For the avoidance of doubt, we have no obligation to fund any premiums on your
behalf, and have no responsibility for any loss which you may suffer as a result
of insurers cancelling the policy or taking any other prejudicial steps as a
result of the late payment of such sums if such delay is attributable to you. In
certain circumstances insurers may impose a specific Premium Payment Term
whereby they require payment of premium by a certain date. We must stress that
breach of that term will entitle insurers to void the policy from inception of
cover. You agree
that the settlement of premiums in good time is your responsibility.
We normally accept payment by selected credit cards, debit cards or monthly
instalments from bank accounts (full details are available upon request).
Policy Termination
Your policy may be terminated at any time, and for any reason, either by:-
• you giving notice in writing, or
• ourselves, giving at least 30 days’ notice in writing to your last known
address
In the event of terminating an insurance policy, any return premium will be
calculated subject to any claims payments during the policy year and
administration fees as set out above.
Policy Cancellation – your right to cancel following the
conclusion of the contract
You have a legal right to cancel your policy, for any reason, subject to no
claims having occurred, after receiving this information following the
conclusion of
the contract.
The cancellation period is 14 days from the day after you receive this
information, following the conclusion of the contract.
If a policy is cancelled outside this period, any premium refund may be subject
to the deduction of the administration fee with a pro rata amount being charged
for the time that the property was on risk.
You will need to provide us with a written request to cancel before the expiry
of the 14 days to the following address:
Intasure
Suffolk House
George Street
Croydon
Surrey
CR0 2NW
Governing Law
In respect of policies issued in England and Wales, these Terms and Conditions
of Trading will be governed by, and construed in accordance with, the Laws of
England and Wales and the parties submit to the exclusive jurisdiction of the
courts of England and Wales. In respect of policies issued in Scotland, these
Terms and Conditions of Trading will be governed by, and construed in accordance
with the Laws of
Scotland and the parties submit to the exclusive jurisdiction of the courts of
Scotland.
Language Used
The English language will be used for all communications, the contractual terms
and
conditions, and any information, we are required to supply to you, before and
during the duration of the contract unless you are habitually resident in
another EEA state and require the policy documentation in that EEA state
official language.
Confidentiality and Data Protection
All personal information held by us in relation to you will be treated with the
utmost confidence and, where appropriate, in accordance with data protection
legislation, including the Data Protection Act 1998.
You confirm that we may use and disclose information that we have about you in
the normal course of arranging and administering your insurance. We shall assume
the personal and sensitive data we hold about you is correct, unless we are
notified of
any changes, and it will be used 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.
Your Policy
Should you mislay your policy booklet a replacement will be issued upon request. |
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