Terms of Business
R.W. Mott & Partner is an independent insurance intermediary with access to over 25 insurance companies, offering a range of personal and commercial insurance products including, car, home, motorcycle, commercial vehicle, caravan, let and unoccupied property, marine, commercial combined and travel insurance policies. We are a firm, authorised and regulated by the Financial Services Authority (FSA), acting as your agent and we accept responsibility for the advice given and for arranging your insurance. The FSA is a non-governmental body, given statutory powers by the Financial Services and Markets Act 2000, which was set up to regulate the sales, advisory and service standards of the financial services industry in the UK. As far as Insurance is concerned, the main purpose is to ensure that customers are treated fairly.
The FSA Insurance Code of Business (ICOB) sets out standards of good practice, which all firms must follow when they deal with you. It gives you important protection and should help you to understand:
• How firms must deal with you
• What information you should receive before you commit yourself to buying any insurance
• How your insurance should be dealt with once you are covered
A copy of the code is available for inspection. Visit: www.fsa.gov.uk/handbook/
As Part of our service, we will assist you with any claim you need to make, including, if required, the recovery of any uninsured losses you may incur - subject to our legal expenses cover charge.
Your Duty to Give Information:
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance.
It is important that all statements you make on proposal forms, claims forms and other documents are full and accurate.
Your attention is particularly drawn to the importance of the Declaration and signature on the insurer’s proposal and claim forms.
Please note that if you fail to disclose any material information to your insurers, this could 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, under the data Protection Act 1998.
We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance, and 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 that we hold in our records. If you have any queries please write to us at -
R.W. Mott & Partner, Times House, Plassey Street, Penarth, Vale of Glamorgan, CF64 1ET
Please consult us if you are in doubt on any aspect.
Important notes regarding the information you provide:
Insurers pass information to the Claims and Underwriting Exchange Register, run by the Insurance Database Services Ltd. and the Motor Insurance Anti-Fraud and the Theft Register, run by the Association of British Insurers (ABI). The aim is to help us check information provided and also help to prevent fraudulent claims. Under the conditions of your policy, you must tell your advisor about any incident (such as an accident, theft, water damage or fire) which may or may not give rise to a claim. When you tell your advisor about an incident, we will then pass information relating to it to the Registers.
Your insurance cover details will be added to the Motor Insurance Database, run by the Motor Insurers’ Information Centre (MIIC). This has been set up to identify uninsured drivers and may be searched by the Police to help confirm who is insured to drive. If there is an accident, the Database may be used by the Insurers, MIIC and the Motor Insurer’s Bureau to identify relevant policy information.
You should show this notice to anyone insured to drive the vehicle under the policy and to anyone who has an interest in a property insured under the policy.
All Insurers include in their Policy Conditions that you should take all reasonable steps to protect your property from any loss or damage.
Please consult us if you are in doubt on any aspect.
Advice to the insured:
Please be aware that at the renewal of a Policy, unless the Renewal Premium is paid at our offices by close of business on the Expiry/Renewal Date, the Policy will automatically be Lapsed by your Insurers.
You should immediately provide details to R.W. Mott & Partner of any changed circumstances that affect this insurance such as:
• Change of car
• Any modifications or engine conversions to the Insured Car
• Change of occupation
• Change of use
• Change of address
• Change of drivers
• Any claim or incident
• Any convictions (motoring or otherwise)
• Any pending prosecutions (motoring or otherwise)
• Any physical or mental defects including heart conditions diabetes epilepsy disabilities or infirmities
• The prescription of permanent medication
• Additional audio or communications equipment.
If you are not sure as to whether any other change will affect this insurance you should contact the office and inform us of the change immediately.
Our Service charges:
New Business Insurance: from £5.00
Renewals: from £12.00
Mid Term Adjustments: from £12.50
Duplicate Certificates: from £12.50
Cover note for taxation: from £12.50
Legal Expenses Cover: from £15.50
Policy fees: R.W. Mott & Partner reserve the right to charge policy fees starting from £5.00 or 10% of the annual premium whichever is greater, if it is deemed necessary, considering the amount of work, or time involved, in advising, administrating and servicing the policy. We may also charge a policy fee in certain circumstances, where we receive little or no commission from the insurer. We agree under such circumstances to disclose any fees to you, the customer, prior to commitment to incept the policy.
Mid Term Cancellations: On cancellation of your policy your insurer may allow a refund of premium in accordance with their normal scale of charges subject to no claims having been made. This will be paid to you less a proportion of any discount allowed and any commission we are obliged to refund the insurer on the return premium allowed and a cancellation charge of £30.00 in respect of Motor and General Insurance.
Ways to Pay:
We normally accept payment by guaranteed cheque, all cheques should be made payable to R.W. Mott & Partner. All major credit/debit cards are accepted and payments can be made over the telephone if required. Please note, payment by credit card is subject to a 2% processing fee, debit cards are exempt from the charge.
Credit Arrangements:
If you wish to pay for your insurance by instalments, a variable charge may be made for this. If details have not been provided in your new business quotation or renewal quotation, full details will be made available upon request. If you require details in advance, please contact the office.
We may keep certain documents such as your insurance policy or certificate while we are awaiting your full payment of premium (or evidence of no claim discount unless, the gross premium is paid). In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any document, which you are required to have by law.
Under the terms of our instalment agreement and insurers direct debit agreements, R.W. Mott is authorised to cancel a policy if instalments are not paid, by the agreed date.
Customers Complaints Procedure
It is our intention to provide you with a high level of customer service at all times.
However, if for any reason you feel you have any cause to be unhappy with your Insurance cover, or in the way that this Insurance has been quoted to you, sold to you, or serviced at any time during the lifetime of the Policy, the following procedure should be adopted:
(1) In the first instance, please contact us by telephone or in writing and we will be pleased to assist you, addressing your complaint to:
The Manager, R.W. Mott & Partner, Times House, Plassey Street, Penarth, Vale of Glamorgan CF64 1ET Tel. 029-2070-0635
All our complaints will be logged and an acknowledgement letter will be sent to you within 5 working Days, advising you of the member of staff who will be dealing with your complaint, giving you an approximate timescale to expect a written response. If we are unable to resolve a complaint immediately, a letter will be sent to you within 20 working days, explaining the reason for the delay and either explaining the reason(s) for rejecting the complaint, or (if appropriate,) offering compensation/other form of redress.
(2) If, however, we are unable to satisfy your complaint at our office, you may wish to contact the Insurance Company, in an attempt to resolve the matter. The procedure to follow can be found in the Policy Booklet, once received from the Insurance Company. However, until the Policy arrives, we will provide the necessary address for you to contact, to pursue the matter further with the Insurance Company.
(3) If the complaint is still not resolved to your satisfaction please direct further responses accordingly:
• If you have a complaint against your insurer you should contact the Chief Executive of the authorized insurer, whose address is shown on your policy details.
• If your complaint is directed towards a Lloyds underwriting syndicate, you should first contact the syndicate direct. If you are not satisfied, you can contact the Lloyd's of London, Complaints Department.
To contact Lloyd's of London, Complaints Department
Email complaints@lloyds.com
Call on 020 7327 6950/5693
Visit www.lloyds.com/index.asp?ItemId=2393
If you are still not satisfied, after contacting either of the above, you can contact the Financial Ombudsman at Insurance Division Financial Ombudsman Service
To contact the Financial Ombudsman Service
Email complaint.info@financial-ombudsman.org.uk
Call on 0845 080 1800
Visit www.financial-ombudsman.org.uk
Write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
For a more detailed explanation about our service please refer to your Customers Complaints Procedure.
Please be advised that our uninsured loss recovery service is not an insurance product and therefore is not covered by the FSA ICOB.
Hours of Business:
Our usual hours of business are 9.00 am to 5.00 pm Monday to Friday and Saturday 9.00 am to 11.45 am.
Contact Details:
R.W. Mott & Partner, Times House, Plassey Street, Penarth, Vale of Glamorgan, CF64 1ET
Tel No: 029 20700635
Fax No: 029 20713810
E-mail: info@mottsinsurance.com
Web: http://www.mottsinsurance.com/
F.S.A. Firm Ref. No: 304253
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