Terms of Business
1. Regulation. Member of Professional Insurance Brokers Association
2. Our Service to You. In arranging insurance for our customers we act as an independent intermediary and act on your behalf when arranging your insurance. Our service includes: advising you on your insurance needs; arranging your insurance cover with Insurers to meet your requirements; and helping you with any ongoing changes you have to make. We primarily offer a wide spectrum of medical and life insurance products and have access to a number of Insurers with whom we place your insurance. We will give you details of these Insurers when we discuss your individual requirements.
3. Disclosure of Information. Facts material to the insurance are matters or information which may influence your Insurer as to the acceptability or otherwise of your Proposal or Renewal and must be disclosed immediately. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt of any aspect. The disclosure of information not only applies at commencement and renewal of your policy, but also at any time during the period of insurance.
4. Awareness of Policy Terms. When a Policy is issued, you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased. If you are in doubt over any of the policy terms and conditions, please seek our advice promptly.
5. Charges. We reserve the right to make charges, in addition to any insurance premiums, for the arranging, amending, renewing and cancelling of any insurance policy. Details of charges made will be declared in all correspondence with you.
6. Customer Protection Information. 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 us either verbally or in writing. We will acknowledge in writing, advising you of who is dealing with your concerns.
7. Confidentiality. All personal information about you will be treated as private and confidential. We will also use and disclose the information we have about you in the normal course of arranging and administering your Insurance. We may use information we hold about you to provide information to you about other products and services, which we offer.
8. Proposal Forms. All answers on any proposal form and any other statements made to us by you are your responsibility. If we are requested to amend or enter any additional information on your proposal form by you we will send you a copy of the form indicating what we have done. You will have the opportunity of correcting any amendments or entry if it is not correct.
