Terms of Business

About us

Robert Spray Insurance Services Ltd of 15-17 Watnall Road, Hucknall, Nottingham, NG15 7LD is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 305582. We are permitted to arrange, advise on, and deal as an agent of insurers and clients and assist in claims handling with respect to non-investment insurance policies. You can check these details online using the Financial Services Register (accessible from www.fca.org.uk/consumers) or by contacting the Financial Conduct Authority Consumer Helpline on 0800 111 6768.

Your duty of disclosure

Consumers: You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and statements you make as part of your insurance application, including at renewal, and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part of or all of a claim may not be paid.

Commercial customers: If the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty to disclose all material facts whether or not the insurer asks for specific information. This duty applies throughout the life of your policy, and when you renew your insurance. Material facts are any facts which may influence the insurerís decision to accept the policy and/or what terms are applied. Failure to disclose a material fact may invalidate your insurance and could mean that your claim will not be paid.

How to cancel

You may have a statutory right to cancel a policy you take out through us within a short period. Please refer to your policy summary or your policy document for further details. If you cancel within the statutory cancellation period (where this applies) you will receive a pro rata refund of premium from the insurer. Insurers are also entitled to make an administrative charge. In addition, we may also keep the earned commission from the policy.

If you wish to cancel outside the statutory cancellation period (where this applies) you may not receive a pro rata refund of premium. In addition we may also keep the earned commission from the policy.

Protecting your information

All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to Craig Spray at the above address.

We, the insurers, and credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information.

How to claim

Please refer to your policy summary or your policy document if you need to notify a claim. You should contact the insurer direct as soon as possible using the contact details provided. If in doubt about whom you should contact, please contact us on 0115 9564888.

Fees and charges

We receive our income from insurers who pay us commission for arranging your insurance. In addition to this we may charge a fee of up to £25 00 to cover our administration. Charges for arranging commercial products will be declared to you on a case by case basis. A charge of up to £25.00 may be made in the event of a default, failure to pay, or recorded delivery letters. This charge may be made each and every time this occurs.

Our earnings

You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business.

Protecting your money

Prior to your premium being forwarded to the insurer. And for your protection, we either hold your money as an agent to the insurer (in which case your policy is treated as being paid for), or we hold it in a client bank account on trust for you. We may extend credit to other customers from this account and we may transfer your money to another intermediary in some cases. However your money will be protected at all times because of the financial requirements of FCA rules. We also reserve the right to retain interest earned on this account.

By accepting this Terms of Business Agreement, you are giving your consent for us to operate in this way.

Complaints

It is our intention to provide a high level of service at all times. However if you have any reason to make a complaint about our service you should contact Craig Spray at the above address or call 0115 956 4888.

You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0800 0234567 and further information is available at www.financial-ombudsman.org.uk. If you do decide to refer any matter to the financial ombudsman Service your legal rights will not be affected.

Compensation arrangements

We are covered by the Financial Services Compensation scheme. 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 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 100 or 020 7741 4100 or by visiting www.fca.org.uk/consumers.

Robert Spray Insurance Services Ltd