IMPORTANT NOTICE EXPLAINING OUR GENERAL TRADING TERMS

• Choice of Product: The Company is a specialist insurance intermediary and provides insurance products for the motor trade and other product areas on a non advised basis.
• Definition: : "You/you" means the Policyholder.
• Status: The Company is authorised and regulated by the Financial Services Authority (FSA). This can be checked on the FSA website, www.fsa.gov.uk/register, or by phoning them on 0845 606 1234. The company is a wholly owned subsidiary of, and only offers motor insurance products from Royal & Sun Alliance Insurance plc. We may offer other insurance products from other insurers, details of which will be provided on request. When we arrange a policy for you, we act as your agent. In respect of collection and holding of any money we act as agents for the Insurer.
• Professional Indemnity: The Company conforms to the FSA Rules in respect of Professional Indemnity Insurance and maintains cover in accordance with those Rules.
• Confidentiality: The information you supply will be kept confidential to The Company and it's associated and/or subsidiary companies and the Insurers with whom it deals, save or unless The Company is required by law to make any disclosure.
• Documentation: All answers or statements included in any documentation and any other statements made to us, howsoever made, are your responsibility. If you ask us to amend or enter any additional information on any document or record we will send you confirmation of what we have done. You will have the opportunity of correcting or amending any entry if it is not correct.
• Disclosure of Information: It is your responsibility, as a matter of Law, to provide complete and accurate information to The Company/Insurers when you take out the policy, throughout the life of the policy and when you renew the policy. All information and statements included in proposal forms, statements of fact, claim forms and other documents must be full and accurate. Any matters or information which might influence the Insurer as to the acceptability or otherwise of the proposal for insurance or the renewal of it must be disclosed at the earliest opportunity and certainly at each renewal. If you fail to disclose any material information then the insurance may not cover you properly or may not operate at all. If you are unsure about any matter you should contact us for assistance. You are advised to keep copies of all correspondence that you send to us for your own protection. If you provide information on other people, then it is your responsibility to check the accuracy of that information and that other people have given permission to give their information to us.
• Awareness of Policy Terms: When a policy is issued you must read it carefully, as it is that document, the policy schedule and any certificate of insurance or cover note that is the basis of the cover you have purchased. If you are in doubt over any of the policy or other terms or conditions, please seek our advice promptly.
• Charges: The Company reserves the right to make charges for the arranging, amending and cancellation of any policy of insurance. These charges will always be clearly identified and shown separately. The Company may make a non-refundable charge (amount specified on the relevant documentation) for the issue of any document. Administration fees will be identified separately. The Company also reserves the right to make a further charge should any payment default (cheques, credit cards, direct debit or any other method of payment). Any charges made on defaulting payments will be notified to the Policyholder. Any cancellation or voidance of a policy, other than where the Policyholder invokes his right to cancel during the first 14 days from the inception or renewal date, will incur a minimum charge equivalent to 15% of the refunded premium allowed by insurers. Where any premium is described as a minimum or deposit premium, no refund is allowable in the event of cancellation. Any security deposit taken as part of an instalment arrangement shall be held in a custodian account operated by Fyfe Group Ltd.
• Specimen Policy: A full specimen of any policy is available at any time on request.
• Quotations: The premium element of any quotation enclosed is guaranteed for a period of 15 days from the date of quotation, subject to there being no change in the information.
• Claims: : If you have occasion to claim on your policy we must be notified promptly. We will issue a claim form and pass all details to your Insurer. Liability must not be admitted nor any course of action agreed to until confirmation of such action from the Insurer is received. Notification to The Company does not constitute notification to the Insurer.
• Complaints: It is always our intention to provide a first class standard of service. However, if you have any cause for complaint you should in the first instance contact the Customer Service & Compliance Manager of the Company at the address noted in the documentation. Within 5 working days we will either deal with the complaint or advise you in writing the action we are taking and the time scale within which we will deal with the matter. The maximum time you will have to wait is eight weeks. If you are still not satisfied you may at any time contact the Managing Director of The Company, at the address noted in the documentation, who will consider the complaint. You may at any time contact the Insurer direct if the matter is not resolved to your satisfaction. The appropriate address and telephone number is set out in the policy documentation. The Company is a member of the Financial Ombudsman Service, and if you are not happy with the final outcome of your complaint, you may contact them, within six months of the final response, at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel no. 0845 080 1800. Email complaint.info@financial-ombudsman.org.uk.
• Compensation: We are a member of the Financial Services Compensation Scheme (FSCS). This provides compensation in case any member goes out of business or into liquidation and is unable to meet any valid claims against its policies. You may be entitled to compensation if we cannot meet our obligations, depending on the circumstances of the claim. Further information about the compensation scheme can be obtained from the FSCS.
• Documents: We reserve the right to retain Certificates of Insurance and any other documentation at this office until all payments due under the policy have been cleared through our bank account. By arranging facilities for payment of premiums by instalments the policyholder agrees for us to retain Certificates of Insurance until all such payments have been received.
• Data Protection Act: : Under Data Protection legislation you have the right to see personal information about you that we hold in our records. If you have any queries please write to the Managing Director of the Company at the address noted in the documentation. We may make a charge for the provision of this information. Telephone calls may be recorded for evidentiary and training purposes. We may use the information you provide us to inform you about services that we offer which we believe may be of interest to you. We may pass your details on to other product providers for this purpose. If you do NOT wish us to use the information you provide for marketing purposes, please tell us when you contact us.
• Motor Insurance Database (MID): In accordance with the 4th European Union Directive (and any subsequent legislation), The Company will endeavour to assist Policyholders in complying with the legislation surrounding the notification of vehicles to the MID. The Company may charge for this assistance. It should be noted that the responsibility for notification of vehicles or information remains with the Policyholder and The Company cannot accept responsibility for any item either incorrectly registered or not registered on the database whether notified to the Company or not.