Terms & Conditions

Terms & Conditions

QUENTIN L. JONES INSURANCE SERVICES

TERMS OF BUSINESS

 

OUR FIRM

Quentin L Jones Insurance Services is authorised and regulated by the Financial Conduct Authority (FCA).  Our registration number is 306187.  Our permitted business is arranging general insurance.

You can check this on the FCA's website www.fca.gov.uk/register or by contacting the FCA on 0845 606 1234.

We are an Independent Insurance Intermediary.  As we are not tied to one insurance company we are able to offer products from a range of  Insurers in order to find the most suitable policy for you.

We use selected providers for Legal Services and Motor Breakdown Insurance.  These providers have been selected as offering good value and service.

 

OUR SERVICE

We aim at all times to conduct our business with the utmost good faith and integrity and offer a full range of general insurance products and information.

We will arrange our client's insurance cover with the appropriate insurer to meet their demands and needs from the information they provide us.

We will assist our client's with any mid-term alterations to their insurance cover that they wish to make.

We will assist our client's with claims on insurance policies that they have arranged through us.

Our quotations are valid for 30 days unless we inform you otherwise.

 

CUSTOMERS DUTY TO PROVIDE INFORMATION

It is your responsibility to provide complete and accurate information to insurers when you take out insurance, throughout the life of the policy and when you renew your policy.

Your attention is particularly drawn to the importance of the declaration on the insurers proposal forms. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate cover or result in an increase in premium.

Please do contact us if you are in any doubt on any aspect.  You are advised to keep copies of all letters you send to us for your own protection.

It is extremely important that all claims (or accidents) whether fault or non-fault must be reported immediately to us, or your insurers so as not to prejudice their position in respect of the claim.  Failure to do so could result in the insurers seeking recompense from yourself if a claim or accident is not reported immediately.

 

CHARGES

In addition to the premiums charged by Insurers, we may make the following charges to cover the administration of your insurance.

Arranging new policies...................................................................£25

Renewals..........................................................................................£25

Mid-term cancellations....................................................................£50

Replacement Documents and Covernotes................................£15

Mid-term adjustments.....................................................................£20

Uncleared cheques -completely returned from the bank.........£25

Late payment fee..............................................................................£15

Arranging new policies for impounded cars.............................£100

Any charges that apply to contracts varying from the above will be disclosed in advance and prior to any cover commencing.

 

CANCELLATIONS AND RETURN OF PREMIUMS

Retail customers are entitled to a 14 day cooing off period following the commencement of cover or receiving policy documents, whichever is the later.  The Insurer will make a charge for the services they have provided up to the point of cancellation.  We will make a cancellation charge of £50.  Our policy arrangement charge will not be refunded.

Upon cancellation of the contract it should be noted that Insurance Companies apply short period rates which are not proportionate to the annual rates.  In certain circumstances no refund of premium would be allowed, for example where a claim has been reported.  Please refer to the Insurers policy booklet for further details.

All returns of premium following cancellation or amendment will be given net of commission received from the underwriters and any administration charges applied.

All refund cheques will be sent to you within 30 days of receipt from the Insurer.

Should premiums be paid by our own instalment method, administered in the office, no refund of premium will apply if the policy is cancelled due to non-payment of an instalment.

No refund of premium will apply in the event of non-receipt of information required.

We also reserve the right to make a charge equal to the annual commission, plus charge if a policy is voided due to non-disclosure.

 

WITHHOLDING DOCUMENTATION

We may keep certain documents such as insurance policy documents or certificates while we are waiting for full payment of premiums, no claims bonus etc.  In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any documents which you require by law.

 

PREMIUMS AND FINANCIAL ASPECTS

We normally accept payment by cash, guaranteed cheque and credit or debit card.

You may be able to spread your payments through Insurer's Instalment Schemes, a credit scheme with a third party finance provider or a facility we have arranged ourselves.  Full details of payment options are provided prior to cover commencing.

Premiums that we collect from you will be held in a Client Money Bank Account.

RISK TRANSFER

The majority of our financial arrangements with Insurers are on a "risk transfer" basis.  This means that we hold premiums and refunds due to clients on behalf of the Insurer concerned and under a risk transfer agreement. Such monies are deemed to be held by the Insurer(s) with which the insurance is held.

STATUTORY TRUST

Where the above system does not operate, we will hold client money in a statutory trust account which means that money is held in trust for you until it is payable to the Insurance Company.  Interest will not be paid to customers in respect of money held in client bank accounts.

 

COMPLAINTS

It is our intention to provide you with a high level of service at all times.  If there are occasions when we do not meet these standards please contact Mr M Richardson (Manager) who will be pleased to assist you.  Contact by telephone 01443 816099 or write to: Quentin L Jones Insurance Services, 22 Penallta Road, Ystrad Mynach, Hengoed, CF82 7AP.

If the matter cannot be resolved immediately we will acknowledge you in writing within 5 working days.  We will inform you who is dealing with the matter and a copy of our full complaints handling procedure will be issued.

If we are unable to resolve the complaint you may need to refer your case to the Financial Ombudsman.

We are covered by the Financial Services Compensation Scheme (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.

 

CONFIDENTIALITY

All personal information is treated by us as confidential and is processed in accordance with the relevant legislation.  This information will only be used in the normal course of arranging and administering your insurance, except where we are compelled by law or regulators to disclose such information.

We will not disclose any information to any other parties without your consent.

Under the Data Protection Act 1988, you have the right to see personal information about you that we hold in our records.  If you have any queries please contact our office.

 

"The person I dealt with was extremely efficient and helpful, he was extremely courteous and polite".

Miss A Thomas, Pontypridd

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