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Terms of Business
Authorisation
Peart Insurance Brokers Ltd T/A Performance Marque is an Independent Insurance Intermediary (Broker). We are authorised and regulated by the Financial Services Authority (FSA), our reference number is 307704. Details can be checked by visiting their website www.fsa.gov.uk or by contacting them on 0845 606 1234.
Ownership
Peart Insurance Brokers Ltd is owned by Central Insurance Services (Holdings) Ltd., Crown House, Prospect Road, Arnhall Business Park, Westhill, Aberdeen AB32 6FE.
Our Service
In relation to the general insurance products we offer, we can provide advice or information:
a) from a limited number of insurers; or
b) from a single insurer.
We will provide you with a statement setting out your demands and needs which will confirm whether we have made a personal recommendation and, if so, explaining the reasons for our recommendation.
Duty of Disclosure
It is important that you understand that any information, statements or answers made by you to your insurer or us are your responsibility and must be correct. Your attention is particularly drawn to the importance of the declaration and signature on any insurers’ Proposal Forms as any failure to disclose facts material to the insurance or any inaccuracies in your answers may invalidate your insurance cover in part or in whole. 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 (for example, a conviction or claims history) and must be disclosed at the earliest opportunity and certainly at each renewal. Please consult us if you are in doubt on any aspect.
Client Money (holding money as an agent)
Peart Insurance Brokers Ltd acts as agents for a number of insurers for the collection and refunds of premiums. This means that premiums are treated as being received by these insurers when received in our bank account and that any premium refund is treated as received by you when it is actually paid over to you.
Remuneration
Peart Insurance Brokers Ltd are paid a commission (which is a percentage of the insurance premium paid by you) by the insurer with whom the business is placed.
Charges
In addition to the premiums charged by insurer, we may, at our discretion, apply additional charges for administrative work carried out on your behalf in respect of New Policy arrangement/ Renewal/ Mid Term Adjustments/ Cancellation of Policy. The charge is currently £25.00.
Cancelling your Insurance
If you cancel your policy within 14 days from receipt of the Policy documents, provided the premium is paid in full and there has been no claim or incident likely to give rise to a claim, the premium paid will be refunded to you.
You may otherwise cancel your insurance arrangement at any time, by informing us in writing, and in the case of motor insurance, returning your certificate of insurance or cover note. It is recommended that you contact us prior to cancellation in order that we can advise you on the likely outcome of your decision. If a claim has been intimated under the policy in question, your insurer will not allow any refund of premium following a cancellation instruction being received. Refunds will not normally be given for cancellation of any motor contract which has been underwritten on a “Limited Mileage” basis. Motor Legal Protection and Peart Motoring Assistance policies are also non refundable. Full details of specific cancellation charges made by the insurer are contained within your policy documentation. Please note that where a premium is being paid by instalments, cancellation of a direct debit instruction is NOT deemed to be a cancellation instruction on your policy.
Claims Procedure
Household claims are administered by Central Insurance Services Ltd (our sister company) acting as agents of RSA with authority, in certain cases, being granted to them to settle claims on insurers’ behalf. Please contact 01224 656656 during normal office hours.
If you have been involved in an accident or suffered a loss under any other insurance policy(ies) arranged through ourselves, please contact us immediately and we will provide you with the necessary details.
Outwith normal office hours, insurers have a 24 hour helpline and details are to be found in your policy document or schedule.
Notes
You are deemed to have accepted these Terms of Business and give your consent for us to operate in the ways described, unless you advise us otherwise in writing within 10 days of either your policy inception date or renewal date.
However, your acceptance of these Terms of Business does not affect your statutory rights. For further information about your statutory rights contact should be made with your Local Authority Trading Standards Department or Citizens Advice Bureau.
Complaints
Complaints and the Financial Services Compensation Scheme (FSCS)
Should you have a complaint about any aspect of our service, please telephone us on 01539 816881 or write to the General Manager at “2nd Floor, 79 Stricklandgate, Kendal LA9 4LT. If you cannot resolve your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service whose address is South Quay Plaza, 183 Marsh Wall, London, E14 9SR or e-mail financial-ombudsman.org.uk or telephone 0845 080 1800.
We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the scheme if we cannot meet our obligations.
Privacy Policy
Confidentiality
We will keep records of all our business transactions for a minimum period of three years. We treat all our clients’ records as confidential even when they are no longer a client. Information provided to us by you will be used solely for the purposes of providing insurance broking and premium finance services to you, or to others where we are legally obliged to do so, or to meet our regulatory requirements. We cannot be held responsible for incorrect data held in the event of non-disclosure.
Insurers pass information to the Claims and Underwriting Exchange run by Insurance Database Services Ltd and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers. The aim is to check information provided and also prevent fraudulent claims. Motor Insurance details are added to the Motor Insurance Database run by the Motor Insurers Information Centre that has been formed to help identify uninsured drivers and may be searched by the police to help confirm who is insured to drive. In the event of an accident the database may be used by insurers and the Motor Insurers Bureau to identify relevant policy information.
Under the Data Protection Act 1998, you have the right of access to your personal records held on our files. This may incur a small administration fee and we will tell you what the fee is if you ask for a copy of your information.
Should you require clarification of your rights under the Data Protection Act visit www.ico.gov.uk or telephone 08456 30 60 60.
Termination
Our services may be terminated either by us or you upon the giving of a minimum of fourteen days notice in writing to the other or as otherwise agreed.
Monitoring Calls
Telephone calls may be recorded for monitoring and training purposes.
Law
Unless we agree to the contrary in writing, you agree that this agreement shall be governed by and interpreted in accordance with English Law.
Customer Charter
Peart’s Policy on Treating Customers Fairly
Peart is committed to supporting the Financial Services Authority’s Treating Customers Fairly initiative (TCF). We believe in putting customers first and we are constantly looking at ways to improve the products and services that we deliver to our customers.
Peart Customer Charter
Customers
- Treat our customers fairly and deliver high quality products and services which meet their reasonable expectations throughout their relationship with us.
- We are committed to ensuring that our customers want to stay with us and recommend us to their families, friends and colleagues.
- Customers will receive suitable advice that takes into account their personal circumstances.
Products & Services
- We will ensure that our products are marketed; targeted and sold with no hidden conditions and that they do not rely on complex technical definitions.
- Our customers will receive clear information and will be kept suitably informed before, during and after the point of sale.
- We are committed to listening to our customers and understanding what is important to them. We will take responsibility for meeting the needs of our customers and will continually look for ways to improve the quality of our service.
Employees
- Our employees will address any concerns in a sympathetic and positive manner.
- We will meet our customers’ needs by finding ways to deliver what matters to them, being clear and straightforward in our dealings and working together to meet their needs.
- We will ensure that our employees are encouraged to deliver a positive customer experience and treat customers fairly.
