1. Definitions. a) We/us means P.J. Sutton (Insurances) Ltd t/a Douglas Insurance Service, 19/20 Cross Street, Rugby CV21 3NL, telephone 01788 576877. Our main business is Insurance Brokers.Douglas Insurance Service
    b) FCA means The Financial Conduct Authority, 25 The North Colonnaide Canary Wharf, London , E14 5HS , telephone 0800 111 6768.
  2. Regulation. We are authorised and regulated by FCA, our FCA firm reference number is 300331. Our permitted business is arranging and administering general insurance contracts. You can check this by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768..
  3. Status. We act as an independent intermediary (broker) on your behalf, we are not owned in whole or part by any insurance company and we do not have any holding either direct or indirect in any insurance company. Our service includes: advising and making recommendations for you after we have assessed your insurance needs; arranging your insurance cover with insurers to meet your requirements and helping you with any subsequent event or alteration to your insurance that we have placed on your behalf. We only offer products from a limited number of insurers, a list of the insurers for each product class is available on request, and we will advise you should we have any special arrangements with them or should you have to deal directly with the insurer for ongoing policy administration. We may issue policies and handle claims on behalf of some insurers. For certain types of insurance we may represent only one company and we will advise you should this be the case. We are agents of insurers for the purpose of collecting, holding and refunding insurance premiums.
  4. Professional Indemnity. We conform to FCA rules in respect of professional indemnity insurance.
  5. Confidentiality. Unless required by law, public interest, virtue of our being regulated by FCA, or you give your consent, all information you supply will be kept confidential to us and parties involved in the normal course of arranging and administrating your insurance. Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. Should you have any queries, please write to us at the above address.
  6. Disclosure of Information. It is important that you understand that any information, statements or answers made by you to us or your insurer are your responsibility and must be correct. Your attention is particularly drawn to the importance of the declaration and signature on any insurer’s proposal forms, as any failure to disclose facts material to the insurer or any misrepresentation in your answers may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters or information which may influence your insurer as to the acceptability or otherwise of your proposal or renewal and must be disclosed at the earliest opportunity and during the currency of the policy. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect. If we believe that any disclosure of material facts is not true, fair or complete, we will request you to make such full disclosure, failing which we must consider declining to continue acting on your behalf.
  7. Awareness of Policy Terms. When a policy is issued you are strongly advised to read it carefully, as it is that document, the schedule, the proposal form and any certificate of insurance that are the basis of the insurance contract you have purchased. If you are in doubt over any of the policy terms or conditions, please seek our advice promptly.
  8. Charges. We reserve the right to make charges in addition to any insurance premiums for the arranging, amending, renewing and cancellation of any policy of insurance. These charges will always be advised to you before you purchase the insurance and as they are incurred. The first amendment under a policy in a year of insurance will attract no service charge, thereafter there will be a £10 charge per amendment. Cancellation of policy will be subject to a charge of 10% of the refunded premium increasing to 20% when we have cancelled the policy due to non payment, or voided from inception by the insurer, except in circumstances described in 14. Cancellation below. There is a possibility that other taxes or costs may exist that are not paid via us or imposed by us.
  9. Claims. If you have occasion to claim on your policy, you must notify us immediately and we will promptly advise you and, if appropriate, issue you with a claim form and pass all details to your insurer. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimize the loss, until you have agreement from your insurer.
  10. Complaints. It is always our intention to provide a first class service. However, should you have any cause for complaint you should in the first instance contact us in writing, by telephone, by email or in person. Your complaint with be acknowledged within 5 business days advising who is dealing with the complaint and providing full details of our complaints handling procedures. A copy of our complaints handling procedure is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Your insurer also operates a complaints procedure, details of which are in your policy.
  11. Documents. With your consent we reserve the right to retain certificates or other policy documents at this office until all payments due under the policy, which are due immediately unless specifically agreed otherwise, have been made. We reserve the right to cancel any policy if payment is not made when requested. Any agreed facilities for payment of premiums by instalments through us will be the subject of a written agreement, which will include authority to retain certificates of insurance or other policy documents until all payments have been received. By accepting this agreement, you agree that delivery of any certificates of insurance to us shall constitute delivery to yourself in accordance with statute law. Should we withhold any documents, we will ensure you receive full details of your insurance cover.
  12. Notice. Insurers pass information to the Claims and Underwriting Exchange run by Insurance Database Services Ltd and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers. The aim is to check information provided and also prevent fraudulent claims. Motor insurance details are added to the Motor Insurance Database run by the Motor Insurers Information Centre which has been formed to help identify uninsured drivers and may be searched by the police to help confirm who is insured to drive. In the event of an accident, the database may be used by insurers and the Motor Insurers Bureau to identify relevant policy information. Insurers may search files made available to them by credit reference agencies who may keep a record of that search. Insurers may also pass to credit reference agencies information they hold about you and your payment record. English law applies to all dealing between us and customers. We will communicate in English only and will provide this notice and contract terms and conditions in English only.
  13. Quotations. Unless otherwise agreed, any quotation given will remain valid for the month of the year to which it applies.
  14. Cancellation. For insurance policies sold to a consumer (an individual acting for purposes which are outside any business they may carry on) which are not travel insurance or similar short term policies intended to be of less than one month’s duration, an initial cancellation period applies. This period applies for 14 days from the receipt of this letter and details of the contract terms and conditions, or from the inception date of the policy whichever is the later. The request to cancel may be verbal, by fax to 01788 537002, by email to info@douglasinsurance.co.uk or in writing. This must be followed by written instructions to cancel from and signed by the policyholder sent to us at our address shown in 1. above and should include any covernote, certificate or original confirmation of cover letter. A premium and charge will be made for the period of cover provided, proportional to the originally quoted premium, plus £20 service charge.
  15. Financial Services Compensation Scheme. 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. 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.