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Terms and Conditions
General Insurance Policies
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about our insurance
services |
Meadons Insurance Brokers
Ltd |
11,
Cheshire Street, Market Drayton, Shropshire, TF9 1PD
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1. The
Financial Services Authority (FSA) |
The FSA is the independent watchdog that regulates
financial services. It requires us to give you this document. Use
this information to decide if our services are right for you.
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2.Whose
products do we offer? |
We offer
products from a range of insurers for general insurance. Ask
us for a list of insurers we offer insurance from. |
We offer
products from a limited number of insurers. Ask us for a list
of insurers we offer insurance from. |
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3.Which
service will we provide you with? |
We will advise and make
a recommendation for you after we have assessed your needs. We
may ask some questions to narrow down the selection of products
that we will provide details on. You will then need to make your
own choice about how to proceed. |
You will not receive advice
or a recommendation from us. We may ask some questions to narrow
down the selection of products that we will provide details on.
You will then need to make your own choice about how to proceed. |
4.What
will you have to pay us for this service? |
¨A fee of £10
for New Business A
fee of £10 for Renewals A
fee of £10 for Mid - Term Amendments. |
5.Who
regulates us? |
Meadons Insurance Brokers
Ltd, 11, Cheshire Street, Market , Shropshire, TF9 1PD is authorised
and regulated by the Financial Services Authority. Our FSA Register
number is 305537.
Our permitted business is transacting general
insurance.
You can check this on the FSA's Register by visiting
the FSA's website www.fsa.gov.uk/register/ or by contacting the
FSA on 0845 606 1234.
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6.What
to do if you have a complaint |
If you wish to register
a complaint, please contact us: |
in writing |
Write to: Mr N Hancock,
Director,
Meadons Insurance Brokers Ltd,
11, Cheshire Street,
Market Drayton,
TF9 1PD
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by phone |
Telephone: 01630 658455
If you cannot settle your complaint with us, you may be entitled
to refer it to the Financial Ombudsman Service.
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7.Claims |
We have no authority
to settle claims on behalf of insurers. In the event of an incident
occurring, which may give rise to a claim under your policy, you
should notify us immediately. In an emergency, and outside our
business hours, please refer to your policy for guidance. We will
advise you promptly of insurer’s re requirements concerning
claims, including the provision of information required to establish
the nature and extent of the loss.
If there is a conflict of interest, we shall only handle a
claim on your behalf after we have disclosed to you all information
you require, to enable you to decide whether to give your informed
consent, and after you have given your consent. |
8.Are we covered
by the Financial Services Compensation Scheme (FSCS)? |
We are covered
by the 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. Insurance advising
and arranging is covered for 100% of the first £2,000 and
90% of the remainder of the claim, without any upper limit. For
compulsory classes of insurance, insurance advising and arranging
is covered for 100% of the claim, without any upper limit.
Further information about compensation scheme arrangements
is available from the FSCS. |
9.Cancellation Rights
(The Mediation Contract) |
The Mediation Contract
is a contract between you and us for the insurance mediation services
we provide to you in respect of your insurance requirements.
Once you have entered into the Mediation Contract with us,
you are entitled to a period of reflection during which you may
decide whether to proceed with the purchase of the Mediation
Contract. The duration of this cancellation period is 14 days
and commences from either:
- the day of the conclusion of the Mediation Contract or
- the day on which you receive the full terms of the Mediation
Contract detailing the full contractual terms, conditions and
information of the contract;
whichever is later.
To cancel this mediation Contract within the cancellation period,
please write to us at the above address. If you cancel this Mediation
Contract within the cancellation period or at any other time,
you may be charged in full any fees that you have paid. |
10. Disclosure of
commission |
If you would like to know
the amount of commission that we are paid in respect of your insurance
contract, this information is available on request. |
11. Earning interest
on customer money |
We hold premiums
that you pay to us in a Client Money Bank Account. Under FSA
Regulations we have to inform you that we may earn interest from
the money held in this account, which may exceed £20 for
any one transaction you make with us. Our policy for payment
of interest is not to refund interest. By accepting these terms,
you are giving your consent for us to act in the manner described
in this section. |
12. Customer money
passed to another person |
In accordance with FSA
Regulations we have to inform you that in managing/arranging your
insurance requirements, we may transfer money that you have paid
us, in payment of an insurance premium, to another insurance intermediary.
By accepting these terms, you are giving your consent for us to
act in the manner described in this section. |
13. Disclosure of
information |
It is your responsibility
to provide complete and accurate information to insurers when you
take out your insurance policy, throughout the life of the policy
and at renewal. Failure to disclose facts material to the insurance
or any inaccuracies in your answers may invalidate your insurance
cover partially or in full. A material fact is information that
may influence an insurer in assessing your risk and should be disclosed
as soon as you become aware of it. You are advised to keep copies
of any correspondence you send to your insurer or us. If you are
in any doubt about whether information is material, you should
disclose it. |
14. Documents and
awareness of policy terms |
When a policy is issued
you are advised to read it carefully. It is the policy document,
the schedule and any certificate of insurance, which are the basis
of the insurance. Please ask our advice if you are in any doubt
over any of the terms or conditions. We reserve the right to retain
certificates or policy documents whilst awaiting full payment of
premiums, including instalment facilities. We will ensure that
you receive details of your insurance cover and any documents required
by law. |
15. Governing law |
This agreement shall be
governed by the laws of England and Wales and the parties agree
herewith that any disputes arising out of it shall be subject to
the exclusive jurisdiction of English Courts. |
16. Other taxes or
costs |
Other taxes or costs,
or both, may exist in relation to products and services offered
by us, which are not paid through, nor imposed, by us. |
17. Hours of Business |
Our normal hours of business
are 9.00am to 5.15pm, Monday to Friday and 9.00am to 12.30pm on
Saturdays, excluding public holidays. |
Insurance & Mortgage
Brokers
11 Cheshire Street, Market Drayton,
Shropshire TF9 1PD
Tel:- 01630 658455 Fax:- 01630 652050
Email:- insure@meadons.co.uk
Meadons Insurance Brokers Limited
is Authorised and Regulated by the Financial Services Authority.
Membership Number: 305537
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