Terms of Business

Arranging new retail policies and renewals	£10.00
Arranging new commercial policies and renewals	£20.00
Mid term adjustments, replacement and duplicate documents	£10.00
Cancellations	£10.00 plus commission retention

 

The specific amount and purpose of any additional charges will always be advised to you in advance. For return premiums (usually arising if an insurance risk is reduced or the policy is cancelled), we repay commission on the refund to your insurer and this amount will be deducted from the final amount refunded to you.

6) Premiums and Financial Aspects - In order to be able to offer you credit facilities, we are registered under the Consumer Credit Act and our Licence Number is 505394.

Insurance premiums are due at the inception of the policy and we normally accept payment by guaranteed cheque, cash or any of the major debit/credit cards.

You may be able to spread your payments through insurers’ instalment schemes or a credit scheme that we have arranged with a third party finance provider. We will give you full information about your payment options and details of the interest payable when we discuss your insurance in detail.
For certain types of insurance we may ask you to sign a form granting us authority to retain documents such as Motor Certificates until full payment has been received. In these circumstances we will provide you with any documents that you are required to have by law.

For some insurances we may place business with Insurers through another FSA authorised intermediary and in these circumstances premiums will be transferred to that intermediary. You will be advised if this affects your own insurances.

Any interest earned on client money held by us and any investment returns on any segregated designated investments will be retained by us for your own use, rather than paid to you.
Under the terms of our client bank account (which has been set up in accordance with strict rules laid down by the Financial Services Authority), we are required to inform you that we may use your individual premium to settle premiums due under other policies (including those payable by other clients). We are the Agent of Insurers for the purpose of collection of premiums.

7) Quotations - Insurers’ rates and terms are constantly changing. The premium and terms of any quotation that we provide are only valid for 14 days unless we specify otherwise.

8) Cancellation Rights - Retail Customers are entitled to a period of reflection during which they may decide whether to proceed with a new insurance. The duration of this cancellation period is 14 days which commences on the day the insurance is effected or, if later, the day on which the policy documentation is received by you.

To cancel the insurance within the cancellation period you must confirm your request to us in writing and return any documents issued by us. You will be charged by the insurer for the cover provided and the balance of any premium paid will be refunded to you [less our commission on the refund and our mid-term cancellation fee - see “Our Charges” above]. Most insurers charge Short Period rates higher than a strict pro rata charge in the event of cancellation within the policy’s first 12 months. If a policy has suffered a claim since inception or renewal there may be no return premium due. If a policy is issued on a Minimum and Deposit basis there will be no return premium due in the event of cancellation.

9) Disclosure - 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. Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance being invalid or cover not operating fully.

It is important you ensure that all statements you make on proposal forms, claim forms and other documents are full and accurate. If a form is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing the document.

You are reminded that it is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain an Insurance Certificate.
You are advised to keep copies of any correspondence you send to us or direct to your insurer.

If you are in any doubt as to whether any information is material, you should disclose it.

10) Policy Terms and Conditions and Warranties - You should read through all the terms, conditions and any warranties shown in your policy documentation to ensure that you understand them and are able to comply with their requirements. Please advise us immediately if you are unable to comply with any terms, conditions or warranties of your policy as any breaches may entitle your insurer to terminate your policy from the date of the breach and/or repudiate a claim under your policy.

11) Renewals - We will contact you in good time before the renewal of your policy.

If your premium is being paid by direct debit either to the insurer or to a third party finance provider and you have not contacted us by the renewal date of your policy,
we will renew it automatically on your behalf using the same direct debit arrangement. You will be notified direct of your new payments by the insurer or finance provider. No action is required by you in these circumstances and you will automatically be sent your new documents.

If you do not wish to renew the policy, please let us know immediately and cancel any direct debit instruction to your bank. Any documentation issued by us in respect of the new period of insurance should be returned to us immediately.

12) Claims - We have no authority to handle claims on behalf of insurers, however it is essential that you notify us immediately of all incidents which may result in a claim under your insurance policy whether you believe you are liable or not. Any letter or claim received by you must be passed to us immediately.

When we receive notification of an incident that might give rise to a claim under your policy, we will inform the insurers without delay and, in any event, within three working days. We will advise you promptly of insurers’ requirements concerning claims, including the provision, as soon as possible, of information required to establish the nature and extent of loss. You should not admit liability or agree to any course of action, other than emergency measures to minimise your loss, until you have agreement from your insurer.

We will forward any payments received from insurers, in respect of any claim, to you without delay.

We will notify you of any request for information we receive from your insurers.

13) Complaints - It is our intention to provide you with a high level of customer service at all times. However, if, at any time you are dissatisfied with the service we provide, we have a formal complaints procedure. You should, therefore, take the following course of action:

In the first instance you should discuss your complaint with the member of staff with whom you have been dealing. If you remain dissatisfied, please write to Antur Insurance Services Ltd at 13 Queen Street, Carmarthen SA31 1JT or telephone us on 01267 232544. We will acknowledge your complaint within 5 working days and advise you who is conducting the investigation into the matters that you have raised. We will provide a formal response within 20 working days from initial receipt of the complaint. If the complaint cannot be resolved within this timescale we will explain why and specify the likely timescale for resolution.

If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service. We will advise you if you are able to refer any complaint to the Financial Ombudsman.

If your complaint relates to the service provided by your insurer, you should write to the Chief Executive of the company as stated in your policy document.

14) Financial Services Compensation Scheme (FSCS) - We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

15) Confidentiality - All personal information about our customers is treated as Private and Confidential. We will only disclose the information we have about private individuals in the normal course of arranging and administering their insurance and will not disclose any information to any other parties without their written consent unless required by law or public interest.

We may pass information about you to credit reference agencies for the purpose of arranging premium finance and we may also pass to them details of your payment record with us. We may use the information we hold about our customers to provide them with information about other products and services that we feel may be appropriate to them.

Under the Data Protection Act 1988, private customers have a right to see the personal information about them that we hold in our records. If you wish to exercise this right, or have any other related queries, you should write to Antur Insurance Services Ltd.

16) Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud Register - Insurers pass information to the Claims and Underwriting Exchange Register operated by Database Services Ltd and the Motor Insurance Anti-Fraud Register compiled by the Association of British Insurers. The objective is to check information provided and to prevent fraudulent claims. Motor insurance details are also added to the Motor Insurance Database operated by the Motor Insurers’ Information Centre (MIIC) that has been formed to help identify uninsured drivers and may be accessed by the Police to help confirm who is insured to drive. In the event of an accident, this database may be used by Insurers, MIIC and the Motor Insurance Bureau to identify relevant policy information. Other insurance related databases may also be added in the future.

17) Applicable Law - This Terms of Business document is subject to the laws of England and Wales.