PDF - A-One Insurance Group

BADBURY-BERKELEY
Terms of Business for Personal Policies
For your own benefit and protection, you should read these terms carefully. If you do not understand any point, please ask
us for further information. By accepting these Terms of Business, you are giving your consent for us to operate in this way.
DEFINITIONS
a) We/us/our means:
A-One Insurance Services (Blandford) LLP Trading as Badbury-Berkeley of:
Peartree Business Centre, Cobham Road, Wimborne, Dorset BH21 7PT
Phone: 01202 850128
Fax: 08717 801001
E-Mail: [email protected]
b) Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. Use this information to help
you to decide if our services are right for you.
REGULATION
We are authorised and regulated by the Financial Conduct Authority (FCA). You may check with them that we are on the
Financial Services Register on their website www.fca.org.uk or by phoning them on 0800 111 6768.
Our Financial Services Register number is 305590 and our permitted business is advising, arranging, assisting and dealing in noninvestment insurance contracts, acting as agent and assisting in the performance of a non-investment insurance contract.
THE PRODUCTS WE OFFER
We offer products from a range of insurers and intermediaries and will advise and make a recommendation for you after we have
assessed your insurance needs. Some products we offer may be selected from a limited range or from a single insurer and we will
advise you when this is the case. Please ask us if you require a list of the providers, from whom we select.
We may on occasions offer non-insurance services from other firms. The FCA does not regulate these products and they are not
included in any FOS or FSCS arrangements.
Whilst we monitor the financial strength of the insurers with whom we place business, adverse business conditions could affect
even the strongest insurers and we cannot therefore guarantee the solvency of any insurer.
QUOTATIONS
Unless notified, any quotation given will remain valid for a period of thirty days from the quotation date.
CONFIDENTIALITY
We will treat personal information you supply as private & confidential and will use & 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 about other products or services that we feel may be appropriate to you.
Where you have not made payment within our credit terms and we have written to advise you of this first, we may pass your
details to a debt recovery agency. Otherwise, we will only give your details to a third party where this is required by law, public
interest, or to regulatory bodies such as the Financial Conduct Authority or Financial Ombudsman Service.
DISCLOSURE OF INFORMATION
It is your responsibility to take reasonable care not to make a misrepresentation when providing information in relation to your
policy. Failure to do so may render your policy invalid, meaning all or part of your claim may not be paid.
NOTE: On occasions, insurers may use a statement of facts in place of a proposal form. Although this document does not require
your signature, it is still essential to check the details included and advise us immediately of any discrepancies. This statement
forms the basis of the contract between you and your insurers who will rely on the information contained.
Please note that we record all calls, for training and compliance purposes.
BADBURY-BERKELEY (Personal) V3 01.14
BADBURY-BERKELEY
Terms of Business for Personal Policies
AWARENESS OF POLICY TERMS
Please read your policy wording carefully. This document, together with the schedule and any certificate of insurance forms the
basis of the insurance contract you have purchased. If you are in doubt over any of the terms or conditions, please seek our advice
promptly.
PREMIUM PAYMENT
We require full payment within 28 days of your policy commencing. Payment can be made to us by cheque, cash, BACS CHAPS
or the following credit* or debit cards; MasterCard, Visa or Maestro.
*payments made by credit card are subject to an additional 2% fee to cover Bank and other charges levied on us for the transaction.
You may also be able to spread your payments through either an instalment facility, offered by your own insurance company, or a
separate premium finance scheme arranged by us. We will give you full information about your payment options when we discuss
your insurance in detail. You must pay premiums and fees the stated agreed terms. Our Credit Control team will pursue amounts
outstanding after 30 days of policy start date, which may incur additional costs for you.
Our financial arrangements with most insurance companies are on a ‘Risk Transfer’ basis. This means that we act as agents of the
insurer in collecting premiums and handling refunds due to clients. In these circumstances, such monies are deemed to be held by
the insurer with which your insurance is arranged. However, if Risk Transfer does not apply, we will hold such monies in a
Statutory Trust account set up in accordance with FCA rules. We will retain any interest earned on monies held in such a
Statutory Trust account.
CHARGES & TERMS
We charge the following fees to cover our administration costs for the following specified activities. Please note; we will normally
retain any arrangement fee if your policy is cancelled, unless this is within 14 days when we will charge a £25 fee in total.
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 policies and renewals
New
Mid-term adjustments
Cancellations after 14 days
Cancellations within 14 days
Duplicate documents
Cheques returned unpaid
Communications sent by credit control
Communications for unpaid / bounced finance payments
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Fee amount will be advised prior to arranging cover
£25
£40
£25 (which applies in place of any other fee)
£10
£10
£15 for each letter/fax/email
£15 for each letter/fax/email
CLAIMS
You may use any emergency number provided with your policy, policy summary or key features document to notify claims
directly to your insurer. Where you require advice or wish to report the claim during normal working hours, you may notify us.
You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimise the loss,
until you have the agreement of your insurer.
COMPLAINTS
It is always our intention to provide a first class service, however if at any time you are dissatisfied with the service we provide
you should in the first instance contact us and we will try to resolve matters. If we are unable to do so, please address any
complaint to: Trevor Brooks, Compliance Manager at the above address. Alternatively, you may wish to email:
[email protected] Please provide details of your complaint together with details of the policy the complaint relates to and
the policyholders name and address.
If your complaint cannot be resolved promptly, we will send you details of our complaints procedure. If you cannot settle your
complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS.)
FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)
You may be entitled to compensation from the FSCS if we cannot meet our obligations. This depends on the type of business and
the circumstances of the claim.
Compulsory insurance is included for 100% of the claim. For other types of insurance and for advising and arranging, cover is for
90% of the claim without any upper limit. Further information about the compensation scheme is available from the FSCS
BADBURY-BERKELEY (Personal) V3 01.14