Terms & Conditions

STATUS

Crowthorne Insurance Services Limited are Independent Brokers who act as your agent, we accept responsibility for the advice given and for arranging your insurance. We use facilities provided by certain Insurance companies, Lloyds syndicates and occasionally a specialist/independent intermediary. You will be advised accordingly. We are regulated by the Financial Conduct Authority. Our services include arranging your insurance for Motor, Household, Commercial and Travel in accordance with your requirements and assisting you with any ongoing changes you have to make. Any payment we receive from you will be held by us in a non-Statutory Client Trust bank account. In some cases the payment we receive will be held on behalf of the provider with whom we arrange your policy as your agent. This means that any payment you make to us will be regarded as having been paid by the provider. This is known as risk transfer. By operating a Non-Statutory Trust Crowthorne Insurance Services Ltd is permitted to and may use such monies to cross fund clients premiums and claims.

TREATING THE CUSTOMER FAIRLY

We aim to treat you fairly. We consider carefully the products we offer and we select or design them with our customers in mind. We work hard to make sure you are not misled and that the information we provide is clear and understandable. Our complaints process is fair and accessible and we aim to put things right if we’ve made a mistake. We want you to be confident and comfortable in your dealings with us.

CHARGES OR FEES FOR NEW POLICIES, MID-TERM ADJUSTMENTS, ALTERATIONS AND POLICY CANCELLATIONS

All policy adjustments, alterations, cancellations, issuing green cards and requests for duplicate documents or additional cover notes will incur a minimum administrative charge set out below. This is in addition to any other charges imposed by the Insurers. Where a policy adjustment, alteration or cancellation generates a return premium our commission will be withheld. All documents will be dispatched by post at the risk of the insured. Please note that in the event of a policy being cancelled any return premium is subject to no claim having been made in the period of cover. In the event of the Insurer cancelling your policy for non-disclosure, misuse, or Evidence of Trading we will charge a minimum of £125. We reserve the right to amend the level of charges at any time.

All New Business & Renewal Policies: up to 20% of the premium
Mid term adjustments: up to £100 or 20% of the premium
(minimum charge of £25 applicable)
Cancellation: £100
Issuing Green Cards: £25
Issuing Duplicate Documents: £25

If you or anyone acting on your behalf provides us with information or statement which is inaccurate or fraudulent and/or produces documentation which are false, forged or proven stolen we will retain any premium paid should your Insurers void the policy.

YOUR RIGHT TO CANCEL

All new business and renewal premiums are quoted for on the basis that the policy will run for its full term. You have a right to cancel any insurance you buy giving written notice within 14 days from inception. If you do exercise this right to cancel your insurance you will be charged by the insurers for the service provided up to the point of cancellation. Crowthorne Insurance Services Limited will also make a minimum cancellation charge of £50. You have the right to cancel the policy at any other time during the policy term, Insurer’s short period rates may apply. We will retain our commission on any return premium and apply a minimum cancellation charge of £50. In the event of a pending claim or incident that may lead to one then Insurers will not refund any premium until the claim is resolved. If you are then found to be at fault then all premiums and charges due may be retained. You are advised to seek our advice before deciding to cancel any policy and will be required to put your request in writing returning any Certificate of Insurance or covernote.

INSTALMENT CHARGES

Any premium being paid by instalments using our own short term credit arrangements will be subject to a minimum charge of £25.00. Full details are available on request. N.B. In the event of a claim being made on the policy, any instalments outstanding become immediately due. Any late payments or cheques that are not honoured may result in a £25.00 charge for each occasion. For all other instalment schemes, please refer to our office for terms and conditions.

PAYMENT OF PREMIUMS, FEES AND SERVICE CHARGES

Failure to pay any premium due will result in us placing the debt with our debt collectors and bailiffs whose charges will be added to your account.

DATA PROTECTION ACT

Please note that we exchange information with insurers through various databases to help us check information provided and also to prevent fraudulent claims. We should also tell you that all insurers supply details of motor insurance policies to a database, to which the police and other insurers have access. This helps detect people who break the law by not taking out insurance and insurers to pursue claims following accidents. To make sure you get our best deal and to ascertain the most appropriate payment option for you and to protect you from fraud, we use public and personal data from a variety of sources, including a credit reference agency and other organisations. Our search will appear on your credit report whether or not your application proceeds. By continuing you agree to these uses of information.