The FSA is the independent watchdog that regulates
financial services. It requires us to give you this
document. Use this information
to decide if our services are right for you.
2. Whose products do we offer?
We offer products from a range of insurers
3. Who regulates us?
Active insurance (Agents), 53 Epsom Road, Morden, Surrey
SM4 5PR is authorised and regulated by the Financial
Services Authority.
Our FSA Register number is 310056.
Our permitted business is arranging general insurance
contracts.
You Can check this on the FSA’s Register by visiting the
FSA’s website www.fsa.gov.uk/register or by contacting
the FSA on 0845 606
1234.
4. What will you have to pay us for our services?
No fee. You will receive a quotation which will tell you
about any other fees relating to any particular
insurance policy.
5. Which service will we provide you with?
You will not receive advice or a recommendation from us.
We may ask some questions to narrow down the selection
of products that
we will provide details on. You will then need make your
own choice about how to proceed.
6. Your duty to provide information
Your attention is particularly drawn to the importance
of the Declaration and signature on the Insurer's
proposal forms. Any failure to
disclose facts material to the insurance or any
inaccuracies in your answers could invalidate your
cover, which could mean that part
or all of a claim might not be paid. You have a
continuing obligation to disclose facts material to the
insurance throughout the period
of cover and at renewal of the policy. If you are in
doubt on whether to advise the Insurer of change in
circumstances that may be
relevant to cover, then it is preferable to advise the
insurer.
7. Charges
In addition to the premiums charged by Insurers, we may
make the following changes to cover the administration
of your insurance.
Arranging New Policies = £20
Renewals = £10
Mid Term Adjustments = £30
Represented Payments = £30
Mid Term Cancellation = 10% of the return premium given
by the insurers or £50.00 (whichever is higher). Due to
the costs
involved, any refund of premium less than £50.00 (after
the deduction of reclaimed commission and charges) will
not be returned.
Replacement Certificates or Cover Notes = £25
Plus Commission and any fees charged
Please note no refunds will be due: 1) if you have been
involved in any claims, 2) paying by instalments, 3) On
Breakdown Policies,
3) Legal Expenses Schemes.
Should you wish to cancel your policy at any time during
the period of cover please contact the office on 0844
477 9805. In addition
you must put your request in writing, at the same time
returning the certificate of insurance. Cancellation
will only be effective from
the date the letter and certificate are received by the
insurance company.
8. Complaints Procedure
It is our intention to provide you with the highest
level of customer service at all times. However, if you
should feel dissatisfied in any
way, with your insurance cover or with the service we
have provided, we operate a complaints procedure to
assist you. Should you
wish to complain, you may do so orally to any member of
staff or in writing to the Customer Services Manager. We
take all
complaints seriously and will endeavour to respond
immediately. Where this is not possible we will
acknowledge your complaint
within 5 business days confirming the name of the member
of staff dealing with your complaint. We will provide
you with a full
written response within 20 business days or explain the
current position and agree a time scale for a full
response. If we believe that
the complaint does not relate to the activities of
Active Insurance (Agents) we will inform you in writing
within 5 business days of
receipt. Where possible we will provide details of how
the complaint should be redirected.
If the complaint is not resolved to your full
satisfaction, you may refer the complaint to the
Financial Ombudsman Service, South
Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone
0845 080 1800. Please note that the Ombudsman will only
consider your
complaint it you have already given us the opportunity
to resolve it.
9. Confidentiality
All personal
information that we hold about you will be treated as
private and confidential. We only disclose the
information we have
about you in
the normal course of arranging and administering your
insurance and to provide you with information about
other
products and
services we feel may be appropriate to you. We will not
disclose any information to any other parties without
your
consent.
Under the Data Protection Act 1998 you have the right to
see personal information about you, which we hold in our
records. If you
have any queries or do not wish to receive marketing
information from us, please write to us at our usual
business address.
