Terms And Conditions

TERMS OF BUSINESS

Clavis Insurance Services Limited, 1 Stonestreet Court, Stonestreet , Hadleigh, Ipswich, IP7 6HY is authorised and regulated by the Financial Services Authority. Our FSA Register number is 304712

You can check this on the FSA's Register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Our service

Our service includes advising you on your needs and arranging your insurance cover with insurers to meet your requirements. We also undertake to help you with any ongoing changes you may have to make to your insurance cover. We offer a wide range of insurance products and have access to leading insurers in the market place.

For certain insurance products we may deal exclusively with certain insurers because these provide good value and service. We will advise you of this arrangement when we are discussing these insurance products and before you make any commitment on the product we recommend.

For some of the policies, which we arrange, you will deal directly with the insurer for on going policy administration including renewals.

Charges

In addition to the premiums charged by your insurers we occasionally make additional charges to cover the administration of your insurance including claims. If we do so, we will notify you in advance of the amount we wish to charge and obtain your agreement.

Payment

The following sets out our terms for payment of insurance policies

Method of Payment

We normally accept payment by cheque, or the following credit cards:

MasterCard, Visa, or American Express. We also accept payment by Switch and Solo.

We make a handling charge of £2.50 for any payments made by credit cards.

Client account money

We hold all client money in a statutory trust account and act as agents for insurance companies in respect of this money. Any interest is accrued to the account of Clavis.

Installment payments

You can spread your payments by using the insurers' installment schemes, or through credit schemes that we can arrange with reputable financing companies. Should you choose to pay your insurance premium by installments, we will advise you of the credit charge that will be made, when we discuss your insurance in detail.

Return premiums

These can arise if an insurance risk is reduced or a policy is cancelled. If a policy is cancelled any premium will be subject to a deduction fee of £10.00. We will not issue any return premium that is less than £10.00 (after deducting reclaimed commission). Any amount less than £10.00 will be held to your credit and can be utilised against any future insurance policy arranged via our company.

Claims

It is very important that you notify the insurance company immediately of all incidents, which might result in a claim against your insurance policy. Prompt action by you helps your insurance company to take action to protect your interests. Your policy summary and policy document will advise you who to contact in order to make a claim.

We also offer a service to assist you with any claims you may need to make including if required the recovery of any uninsured losses you may incur.

Customer Protection and Information

It is our intention to provide you with the best possible service. However should you have a complaint we have a complaints procedure. If you wish to register a complaint, please contact us:

.In writing Write to Clavis Insurance Services Limited,

Complaints Department,

1 Stonestreet Court
Stonestreet
Hadleigh
Ipswich
IP7 6HY

By phone Telephone 0845 1303993

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Further information about the Financial Ombudsman Service is available from the FSCS.

www.fscs.org.uk

Customer's duty to provide information

It is the responsibility of customers to provide complete and accurate information to insurers when you take out an insurance policy, throughout the life of your policy and when you renew your insurance policy. Please ensure that all statements that you make on the proposal forms, claims forms and other documents, are as full and accurate as possible.

Insurers point out on their policy documents that if you fail to disclose any material information to your insurers this could invalidate your insurance cover. In the worst possible case it could mean that part or all of any claim may not be paid.

Documentation

We will release all documents to you as soon as possible, however we reserve the right to hold certain documents, such as certificates of insurance, 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 provide you with any documents that you may require by law.

Records and Confidentiality

All personal information about you will be treated as private and confidential.

We may use the information which we hold to help us provide information about products and services which we believe may be of interest to you.

Under the Data Protection Act 1998 you have the right to see personal information about you, which we hold in our records. If you do not wish to receive marketing information from us or do not wish us to disclose information about yourself to third parties for marketing purposes please let us know.

If you have any queries about the information contained above or would like to discuss this with us please contact our Customer Services Manager by phone or letter.