From: "Saved by Windows Internet Explorer 7" Subject: Terms of Business Date: Tue, 16 Jun 2009 11:04:09 +0100 MIME-Version: 1.0 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.crowninsuranceconsultants.com/Doc155_000.htm X-MimeOLE: Produced By Microsoft MimeOLE V6.0.6000.16669 Terms of = Business
Terms of=20 Business
 
STATUS
Crown=20 Insurance Consultants act as your agent and accepts responsibility for = the=20 advice given and for arranging your insurance. We have access to a = number of=20 insurers and also act as agents of other intermediaries.  We will = give you=20 details of these insurers when we discuss your individual = requirements.  We=20 are members of the Financial Services Authority [FSA] and the British = Insurance=20 Brokers Association (BIBA).   =
 
PRODUCTS AND=20 SERVICES
We = offer a=20 full range of personal and commercial general insurance products and=20 services.  In respect of certain products and services we have = selected a=20 specific product or service from one supplier to provide a = cost-effective=20 solution to meet the needs of our customers.  We will give you full = details=20 of individual products and services before you make any commitment on = any=20 product we offer you.  Our service includes advising you on your = insurance=20 needs, arranging insurance cover with insurers to meet your requirements = and=20 helping you with any ongoing changes you have to make.  As part of = our=20 service we will assist you with any claim you need to=20 make.
 
YOUR = DUTY TO GIVE=20 INFORMATION
Your=20 attention is particularly drawn to the importance of the Declaration and = Signature on the Insurer's proposal forms and/or the insurers Statement = of=20 Fact.  Any failure to disclose facts material to the insurance or = any=20 inaccuracies in your answers could invalidate your cover, which could = mean that=20 part or all of a claim might not be paid.  You have a continuing = obligation=20 to disclose facts material to the insurance throughout the period of the = cover=20 and at renewal of the policy.  If you are in doubt as to whether to = advise=20 the Insurer of change in circumstances that may be relevant to the = cover, then=20 it is preferable to advise the Insurer. =
 
POLICY = TERMS AND=20 CONDITIONS AND CLAIMS
All = insurance=20 policies contain conditions; exclusions and some contain warranties = (which if=20 they are breached may well void the insurance completely, regardless of = whether=20 any loss is caused by the breach).  As such we cannot stress too = highly the=20 importance of being familiar with the obligations imposed upon you by = the terms=20 of the policy and the limitations of its scope.  Similarly if you = should=20 become aware of any claims or circumstances, which could lead to a claim = being=20 made you, must notify us immediately and in writing if required.  = Failure=20 to do so could prejudice your position. Please do consult us if you are = in doubt=20 on any aspect of your insurance = arrangements.
 
PAYMENT = OF PREMIUMS=20 AND CHARGES
We = normally=20 accept payment by guaranteed cheque, cash or credit card.  You may = be able=20 to spread your payments through insurers' instalment schemes or an = independent=20 premium finance company.  We will give you full information about = your=20 payment options when we discuss your insurance in=20 detail.
 
CHARGES
In = addition=20 to premiums charged by the insurer, we make the following charges to = cover our=20 administrative costs for these specified=20 activities:
=B7         =20 Mid-term=20 adjustments=20             &= nbsp;           &n= bsp;           &nb= sp;           &nbs= p;            = ;            =   =20 =A310
=B7         =20 Replacement=20 of lost motor insurance=20 certificates          &= nbsp;           &n= bsp;           &nb= sp;=20 =A310
=B7         =20 Mid-term=20 cancellations/adjustment return=20 premiums           = ;            =        =20 Commission clawback
The = specific=20 charge and purpose of any additional charges will always be advised to = you in=20 advance. All charges are at the discretion of the=20 management
 
COMPLAINTS
The = FSA=20 regulates sales, advisory and service standards to make sure that = general=20 insurance customers are treated fairly.  It is our intention to = provide you=20 with the highest level of customer service all the time.  However, = if you=20 do feel you have cause to be unhappy in any way with your insurance = cover, in=20 the first instance please contact us and we will be please to assist = you. =20 A more formalised complaint procedure is detailed below and in your = policy=20 document. 
 
COMPLAINTS=20 PROCEDURE
We = take all=20 complaints seriously and will endeavour to respond to any complaint=20 immediately.  Where this is not possible we will acknowledge your = complaint=20 within 5 working days of receipt and give you the name of the person = dealing=20 with your complaint.  If we believe that the complaint does not = relate to=20 the activities of Crown Insurance Consultants we will inform you in = writing=20 within 5 working day of receipt of the complaint and where possible = provide=20 details of to whom the complaint should be directed.  Whilst we = endeavour=20 to investigate all complaints immediately we undertake to give you a = written=20 response to your complaint within 20 working days or, if further time to = investigate the complaint is required, to update you on progress and = agree a=20 time-scale for resolution.  For private customers, if we fail to = resolve=20 your complaint to your satisfaction, you may refer the complaint to the = FSA=20 Dispute Resolution Scheme.
 
CONFIDENTIALITY
All = personal=20 information about you will be treated as private and confidential.  = We only=20 use and disclose the information we have about you in the normal course = of=20 arranging and administering your insurance and to provide you with = information=20 about other products and services we feel may be appropriate to = you.  We=20 will not disclose any information to any other parties without your=20 consent.  We may pass information about you to credit reference = agencies=20 for the purpose of arranging payments by instalments and may also pass = to them=20 details of your payment record with us.  Under the Data Protection = Act 1998=20 you have the right to see personal information about you about you, = which we=20 hold in our records.  If you have any queries or do not wish to = receive=20 marketing information from us, please write to us at our usual business=20 address.