Farm & General Insurance Consultants Terms Of Business

TERMS OF BUSINESS

Status:
Farm & General Insurance Consultants Ltd is an independent intermediary and a member of the British Insurance Brokers Association.

Farm & General Insurance Consultants Ltd acts as your agent and accepts responsibility for the advice given and for arranging your insurances.

We represent a number of insurers and undertake to comply with the Association of British Insurers (ABI) Code of Practice for the selling of general insurance. A copy of the Code is available on request.

We are authorised and regulated by the Financial Services Authority, registration No. 308 583.

Data Protection:
We hold data concerning you and your business and undertake that this data is stored securely.

The data stored is merely sufficient to enable us to carry out our duties to you as your insurance adviser and will only be disclosed to third parties where it is essential in obtaining quotations for you or otherwise discharging our duty to you as insurance advisers.

Completion of proposal forms:
Your attention is particularly drawn to the importance of the Declaration and the signature on the Insurer Proposal form. Any failure to disclose facts material to the Insurance or any inaccuracies in your answers could invalidate cover. Please consult us if you are in any doubt on any aspect.

Equally, if there are any changes to your business or personal circumstances during the insurance year that would alter the information given on your proposal form please consult us immediately.

Credit Terms:
Our normal credit terms require payment of the premium in full within 14 days of the cover attaching or presentation of the invoice, whichever is the later.

If you wish to pay premium by instalments the documentation must be completed within 7 days of cover attaching and received by us.

Charges:
We do not generally make any additional charges to the Insurer premium and any Insurance Premium Tax and Value Added Tax that may apply. If we ever do it will be with prior agreement with you and we will confirm such charges in writing.

Claims:
We will handle your claims promptly and fairly.

We would ask you to give immediate notification to us of any incident likely to give rise to a claim under your policy. Failure to notify your insurer promptly could invalidate your claim.

Client Feedback:
We want our clients to let us know what they think of our service. When we receive praise for a job well done or a suggestion that helps us to improve our business processes these are reviewed by our directors periodically.

The same is true when we fail to reach the standards expected of us by our clients. Click here for our complaints procedure.