Jeston Insurance Brokers Ltd Terms of Business for General Insurance Products
Jeston Insurance Brokers Ltd (JIB) are Independent Insurance Brokers acting on your behalf and offering a wide range of insurance products and services from the whole of the market. We normally arrange the insurance direct with the insurer but sometimes may use the services of other intermediaries and we will advise you if this is the case.
We will assist you to find appropriate insurance to meet your needs and we will
It is your duty to give insurers information material to your policy before cover begins and throughout the duration of the policy.
It is therefore important that you provide us with full and accurate information at all times. If you are in any doubt as to whether a fact is material to the contract you should disclose it anyway. Failure to comply may invalidate your insurance cover and result in any claim not being met. You must also ensure that all information on proposal forms and statements of facts is accurate.
It is necessary that any changes to the original information provided to us be advised at the earliest opportunity to mitigate any problems that may occur as a result of any earlier non-disclosure.
We will give you full and explicit details of the cost of your insurance including itemised premiums (where applicable) payment dates and any other relevant charges,
Charges are made in addition to those levied by the insurers for our services and are as follows:-
Policy Adjustments |
£10 |
Duplicate documentation |
£10 |
Cancellation |
£15 or the commission part of the refund whichever is the greater. |
Renewals |
As advised on renewal documentation |
Dishonoured cheques |
£15 |
Payment by instalments |
As advised when agreement made |
Any other special services |
As advised at the time |
The above charges are the maximum that will normally be charged. This tariff can be changed at any time but you will be advised beforehand.
We are normally remunerated by receiving commission from the insurer and details of the amount of commission will be provided on request.
Payment is due in full prior to the inception of any new policy and by the renewal date of any existing policy unless specifically agreed otherwise. We offer a range of payment option such as cheque, cash, credit or debit card and monthly direct debit facilities and we will be pleased to provide you with full details upon request. In the event of non-payment of the premium within the agreed time, we will take whatever action is necessary to protect our position, which may include the cancellation of any policy arranged with us.
We have arrangements with most insurers whereby once you have paid us the premium this money is held by us as their agents and they accept responsibility for the money. Where we do not have such an arrangement in place the money will be held in a statutory client money bank account in accordance with FSA rules. We will not pay any interest on any money held in our client money bank account.
We will give you information in writing and we will ensure that all the documents prepared by us are clear, fair and not misleading. We will forward all documents to you promptly, but reserve the right to retain these until all payments due have been made.
We strongly recommend you to read carefully all information and policy documentation issued to you to ensure that it fully meets your requirements.
If you have any doubt about the policy cover or its terms and conditions or the information provided by us please contact the office to seek clarification and advice.
If your policy is cancelled we will send you all the documentation that you are entitled to, if required.If you wish to cancel your policy, we may require written confirmation and the return of any relevant documents and may not be able to arrange for cancellation until these are received.
Unless otherwise advised all quotations we give are valid until the end of the month in which they are given. You will be provided with details of the main terms and conditions of the proposed policy but if you require a full policy wording a specimen can be provided upon request.
In exceptional circumstances Insurers may withdraw the quotation without notice.
We will protect and treat as confidential all of your personal information provided to us.
We will not give anyone else any personal information about you except:
Please note that insurers pass personal information on to various organisations for the purpose of prevention of fraud or where required by law. Examples of these organisations are the Claims and Underwriting Exchange, the Motor Insurance Anti-Fraud and Theft Register and the Motor Insurance Database.
You have the right under the Data Protection Act to see your personal information held by us upon payment of the prescribed fee. We may also use the information we hold for marketing purposes but will not provide this to any organisations outside our group.
We will provide you with details of how to make a claim and handle them promptly. We will provide you with reasonable help to assist you in making a claim under the policy. Any claims settlements will be passed on to you immediately. We reserve the right to deduct any money owed to us from settlements and pass on the net sum to you. If you have any queries concerning a claim please feel free to telephone us on 020 8578 1657.
We may also provide assistance with making claims not covered by your policy where recovery may be possible from another party, for example, if you have a motor policy and only have third party cover. In these circumstances a charge will be made for these services and this will be advised to you before any work is undertaken.
If you find it necessary to make a complaint against JIB, either verbally or in writing, we will acknowledge your complaint within 5 working days.Details of our complaints procedure will be supplied on request.
All complaints will be dealt with fairly and promptly and a written response will be sent within 28 days of the original complaint.
We are covered by the Financial Ombudsman Service and if after making a complaint to us you are still unhappy and feel it has not been resolved to your satisfaction you may be able to contact the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR or telephone 0845 080 1800
Should JIB or the insurers that the policy is arranged with be unable to meet their liabilities, then you may be entitled to compensation from the Financial Services Compensation Scheme. For compulsory insurance the scheme provides full protection otherwise the scheme covers 100% of the first £2000 of any claim and 90% of the remainder of the claim. The FSCS can be contacted at 7th Floor, Lloyds Chambers, 1 Portsoken Street, London, E1 8BN or by telephone on 020 7892 7300.
GI TOB3 10.06