Authorised and regulated by the Financial
Services Authority Ref-311524
Firm's Identity
Automotive Insurance Management Ltd
146a Bellegrove Road
Welling
Kent
DA16 3QR
T 0845 456 0826
F 0845 456 0825
E info@automotiveinsurance.co.uk
Our Service
In arranging insurance for our customers, we act as an Independent Intermediary.
Our service includes advising you on your insurance needs, arranging your
insurance cover with insurers to meet your requirements and helping you with
any ongoing changes you have to make. We can also assist you with making
a claim.
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 policy being invalid or
cover not operating fully.
It is important that you ensure 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 a Certificate
of Motor Insurance.
Please note that under the Rehabilitation of Offenders Act 1974 you are not
required to disclose convictions regarded as 'Spent'.
You are advised to keep copies of any correspondence you send to us or direct
to your insurer.
If you are in any doubt about whether information is material, you should
disclose it
Confidentiality and Data Protection
All personal and sensitive information about our customers is treated as
Private and Confidential.
We will only use and disclose the information we have about customers in
the normal course of arranging and administering their insurances, and
will not disclose any information to any other parties without their written
consent.
Unless we are notified of any changes, we shall assume the personal and
sensitive data we hold about our customers is correct, and shall use it
to provide
quotations when policies fall due for renewal.
In the interests of security and to improve our service, telephone calls
you make to us may be monitored and/or recorded.
We may pass information about you to credit reference agencies for the purposes
of arranging payments by instalments, and may also pass to them details of
your payment record with us.
Under the Data Protection Act 1998, individuals have a right to see personal
information about them that we hold in our records. A charge may be made
for this service. If you wish to exercise this right, or have any other
related queries, you should write to us at the above address.
Motor and Home Insurance Anti-fraud Registers
Insurers share information with each other via the Claims and Underwriting
Exchange Register, and the Motor Insurance Anti-Fraud and Theft Register,
to aid the prevention of fraudulent claims.
In the event of a claim, the information you supply on the claim form,
together with any other information relating to the claim, will be put
on the Registers.
Motor Insurer Information Centre (MIIC)
Insurers are legally required to provide details of motor insurance policies
to the MIIC. The information describing your insurance cover will be added
to the Motor Insurance Database (MID), to which the police and other government
agencies have access. This helps the pursuance of claims following accidents
and aids detection of those who are in contravention of the law by not
taking out insurance.
Use for Marketing Purposes
We may use information held about you, to provide you with information
about other products and services which we offer, and which we feel may
be appropriate to you, by email, telephone, post or other means.
You may exercise your right to give notice to stop data being processed
for marketing purposes by contacting us at any time. Please contact us
on the above telephone number or write to us at the above address.
Claims
We have no authority to handle claims on behalf of insurers. In the event
of an incident occurring which may give rise to a claim under your policy,
you should follow the procedure shown in your policy document.
When we receive notification of an incident that might give rise to a claim
under your policy, we will inform the insurer without delay.
We shall use our best endeavours when acting on your behalf in relation
to a claim, to handle all elements of the claim with due care, skill and
diligence.
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 a loss.
If there is any conflict of interest, we shall only handle a claim on your
behalf after we have disclosed to you all information you require, to enable
you to decide whether to give your informed consent, and you have given
that consent.
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.
Complaints
It is our intention to provide you with a high level of customer service
at all times. If there are occasions when we do not meet these standards,
please contact the member of staff you were dealing with, either verbally
or in writing. They will take details of your concerns and we will then acknowledge
in writing, advising you of who is dealing with the matter. A copy of our
full Complaints Handling Procedures is available on request.
Cancellation Rights (The mediation contract)
The Mediation Contract is the agreement between you and us for the insurance
mediation services that we provide to you in respect of your insurance requirements.
Once you have entered into the Mediation Contract with us, you are entitled
to a period of reflection during which you may decide whether to proceed
with the purchase of the Mediation Contract. The duration of this cancellation
period is 14 days and commences from either:
1) The day of conclusion of the Mediation Contract; or
2) The day on which you receive the full terms of the Mediation Contract
detailing the full contractual terms, conditions and information of the contract;
whichever is later.
To cancel this Mediation Contract within the cancellation period, please
write to us at the above address. If you do cancel this Mediation Contract
within the cancellation period, you may be charged a proportion of any of
our fees that you have incurred.
This Mediation Contract can be cancelled at any time by either party in
writing by giving 7 days notice. If you wish to give notice of cancellation,
please write to us at the above address. If we wish to cancel this Mediation
Contract we shall write to you at the last known Address we have for you
on our records.
If you decide to cancel the Mediation Contract with us at any time other
than during the cancellation period, we will retain in full any fees that
you have paid.
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 552240.
We normally accept payment by cash or guaranteed cheque.
You may be able to spread your payments through insurers' instalment schemes,
a credit scheme with a third party finance provider, or a facility we have
arranged ourselves. We will give you full information about your payment
options when we discuss your insurance in detail.
We may keep certain documents, such as your insurance policy documents or
Certificate, while we are waiting for full payment of premiums. In these
circumstances, we will ensure that you receive full details of your insurance
cover and will provide you with any documents that you are required to have
by law.
Risk Transfer
Premiums that we collect from you are held in an insurance broking bank
account specifically used for the purpose of holding client premiums. By
virtue of agreements we hold with insurers, we collect premiums as agent
of the insurer. Therefore, once we have collected premiums from you, under
the terms of our agreements with insurers, those premiums are treated as
having been paid to the insurer. We will remit the premiums to insurers,
after deduction of our commission, in accordance with the terms of our
agreements with insurers.
Return Premiums
Return premiums usually arise if an insurance risk is reduced or a policy
cancelled.
On a return premium, we repay commission on the amount to your insurer and
this will be deducted from the final amount due to you.
If a policy is cancelled, we will refund any return premium due (after deduction
of the commission).
Quotations
All quotations are subject to change in respect of the amount of premium
indicated, and/or the terms and conditions that are applied.
Policy Terms, Conditions and Warranties
You should read through all policy terms, conditions and warranties shown
on your policy documentation. Please ensure you understand them and are able
to follow their requirements exactly. If not, please advise us immediately,
as a breach of any terms, conditions or warranties may enable your insurer
to terminate your policy from the date of that breach, and/or repudiate a
claim under your policy.
Renewal Premiums Paid by Instalments
In good time before the renewal of your policy, we shall contact you with
the renewal premium and terms for the coming year.
If you have not contacted us before the renewal date, we shall renew the
policy automatically on your behalf. If you do not wish to renew the policy,
please let us know as soon as possible. We should also advise you to cancel
your direct debiting instruction with your bank prior to renewal date.
If it is your intention to renew the policy, no action is required by you,
and the policy will renew automatically. We shall send your new certificate
of insurance to you.
Disclosure of Commission
If you would like to know the amount of commission that we are paid in respect
of your insurance contract, this information is available on request.
Earning Interest on Customer Premiums
We hold premiums that you pay to us in a Client Money Bank Account. Under
FSA Regulations we have to inform you that we may earn interest from the
money held in our Client Money Bank Account which may exceed £20 for
any one transaction that you make with us. Our policy for the payment of
interest is that it is retained by this firm as income.
By accepting these Terms of Business, you are giving your consent for us
to act in the manner described in this Section.
Customer Money Passed to Another Person
In accordance with FSA Regulations we have to inform you that in managing
and/or arranging your insurance requirements, we may transfer money that
you have paid us, in payment of an insurance premium, to another insurance
intermediary.
By accepting these Terms of Business, you are giving your consent for us
to act in the manner described in this Section.
Customer Money Passed to Another Person Outside
the UK
In managing and/or arranging your insurance requirements, we may transfer
money that you have paid us, in payment of an insurance premium, to another
insurance intermediary operating outside of the United Kingdom.
Unless you notify us that you do not wish your premiums to be transferred
in the manner outlined in this Section, by accepting these Terms of Business,
you are giving your consent for us to act in the manner described in this
Section.
We have a duty under FSA Regulations to inform you that:
1) The legal and regulatory regime applying to the insurance intermediary
may differ from that in the United Kingdom; and
2) Consequently if the insurance intermediary fails, the premium may be
treated in a different manner from that which would apply if the premium
was held by an insurance intermediary in the United Kingdom.
Segregation of Investments
We hold premiums that you pay to us in a Client Money Bank Account. We
may invest these premiums in a range of permitted designated investments
as prescribed by FSA Regulations. In the event that there is any shortfall
in our client money resource attributable to falls in the market value
of any of these permitted designated investments, we shall make provision
for, and bear the cost of, any such shortfall.
By accepting these Terms of Business, you are giving your consent for us
to act in the manner described in this Section.
Governing Law
This Agreement shall be governed by the laws of England and Wales and the
parties agree herewith that any dispute arising out of it shall be subject
to the (non-)exclusive jurisdiction of the English Courts.
Other Taxes or Costs
Other taxes or costs, or both, may exist in relation to the products and
services offered by us which are not paid through, nor imposed, by us.
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