Key Facts About out Services

1. About this document

This document sets out how we will deal with you as a customer. Use this information to decide if our services are right for you.

2. Whose products do we offer?

• Motor - We offer products from a range of insurers for Motor Insurance.
• Commercial Vehicle - We offer products from a range of insurers for Commercial Vehicle Insurance.
• Motorcycle - We offer products from a range of insurers for Motorcycle Insurance.
• Motor Legal Protection - We offer e-claim for Motor Legal Protection
• Breakdown - We offer Spectrum for Motor Breakdown Assistance.
• Home - We offer products from a range of insurers for Home Insurance.
• Home Legal Protection - We offer e-claim for Home Legal Protection
• Travel - We offer products from a range of insurers for Travel Insurance.
• Personal Accident - We offer products from a limited number of insurers for Personal Accident Insurance.
• Caravan - We offer products from a range of insurers for Caravan Insurance.
• Pet - We offer products from a limited number of insurers for Pet Insurance.
• Boat - We offer products from a limited number of insurers for Boat Insurance.
• Wedding - We offer products from a limited number of insurers for Wedding Insurance.

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

4. What will you have to pay for our services?

As Independent Intermediaries we are paid commission by your Insurance Company. If this insufficient to cover our costs, we may charge an administration fee of up to 20% of the premium for New Business, Renewal or policy adjustment.  On a return premium we repay commission on the amount to your insurers and this amount will be deducted from the final amount refunded to you.  Where a fee or charge is payable, you will be advised before you commit to it.

5. Client Account Interest

Please note that if money paid by you by way of premiums or fees is held in a client account no interest is payable to you in respect of that account.  For some of the markets in which we place business we have agreements in place which may result in us holding premiums as agents of the insurer, both for the purposes of receiving premiums and holding premium refunds.

6. Governing Law

Unless we have agreed otherwise with you, all policies sold by us are governed by English Law and subject to the jurisdiction of the English Courts. All information about the contract will be provided in English.

7. Who regulates us?

Alfreton Insurance Services, King Street, Alfreton, Derbyshire is authorised and regulated by the Financial Services Authority. Our FSA registration number is 304471. You can check our registration on the FSA’s register by visiting their website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

8. Ownership

Alfreton Insurance Services is a Limited company.

9. Your right to cancel

All the products, with exception of Breakdown, Motor Legal Protection and Home Legal Protection, that we can offer can be cancelled. In addition we offer a 14-day withdrawal period when you can cancel the policy and get a full refund providing cover has not commenced.  We will not refund your premium if you have made a claim, during your period of insurance, or if you have a pending claim. If you are paying by instalments you must pay the balance of the full annual premium.

Terms of insurance business

Alfreton Insurance Services is regulated by the Financial Services Authority. We are permitted to arrange, advise on, deal as an agent of insurers and assist in claims handling with respect to this type of insurance. You can check this on the FSA’s Register by visiting the website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

We provide advice to customers upon a fair analysis of the insurance market with respect to this type of insurance. Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept and pay a valid claim are disclosed.

Failure to disclose material information may invalidate your insurance cover and could mean that part or all, of a claim may not be paid.

All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request, with your consent, in relation to administering your insurance or where law requires us. As part of the FSA’s duties, we may be asked to provide them with access to our customer records in order that they may carry out a review of our activities.

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to other insurance companies for underwriting and claims purposes. Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the managing director at the above address.

Your attention is particularly drawn to the importance of the declaration and signature on insurer’s proposal forms. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate the cover. Please do consult us if you are in doubt on any aspect.

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 cover you have purchased. If you are in doubt over any of the policy terms and conditions, please seek our advice promptly.

As Independent Intermediaries we are paid commission by your Insurance Company. If this is insufficient to cover our costs, we may charge an administration fee of up to 20% of the premium for New Business, Renewal or policy adjustment.

On a return premium we repay commission on the amount to your insurers and this amount will be deducted from the final amount refunded to you.

Where a fee or charge is payable, you will be advised before you commit to it.

Refer to the policy summary if you wish to notify a claim.

You may also have cancellation rights under your policy.

We operate a statutory trust account, which means that your insurance money will be kept separate at all times.

It is our intention to provide a high level of service at all times. If, however, you have reason to make a complaint about our service you should contact the managing director. You may be entitled to refer it to the Financial Ombudsman Service. Further information is available at: http://www.financial-ombudsman.org.uk/

We are members of the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we cannot meet our insurance obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available at: http://www.fscs.org.uk/