Statement: We are Authorised and regulated by the Financial Services Authority. We have mandatory Professional Indemnity Insurance.
Terms of Business relating to Policies effected using the dinghyinsurance.com web site.
1. Definitions:- a) we/us/our means David Lloyd and Tim Dieu de Bellefontaine, T/A W.H. Insurance Consultants, PO Box 738PortsmouthPO1 9AY 02392 754000 e mail email@example.com b)F.S.A. means the Financial Services Authority c) Contract means any insurance policy you have taken out with our help
2. We are authorised and regulated by the Financial Services Authority, our F.S.A. register number is 439943 Our permitted business is advising and arranging insurance contracts. You can check this in the F.S.A.‘s register by visiting the website www.fsa.gov.uk/register or by contacting the FSA on 0845 6061234.
3. Our website is directed at UK residents only. The products and services described are only available to UK residents. By completing a request for a quotation you confirm that you are resident in the UK and you will immediately notify us if you cease to be so resident. The content of this site and the products and services offered by us comply with appropriate UK legislation and regulation. English Law will apply unless specifically agreed in writing prior to any dispute. We only cover privately owned UK registered boats. Your boat must be kept or moored in accordance with the territorial scope and terms of your Policy. Your vessel must be in a seaworthy condition and must not be skippered by any persons who are not competent to do so or have been refused boat insurance or had special terms applied to them with regard to boat insurance moreover this does not override any restrictions there might be in the whole of your policy.
4. We act as an independent Intermediary on your behalf. We do not make Personal Recommendations. Our service includes:- advising you on your insurance needs, arranging your insurance cover with insurers and helping you with any subsequent event or alteration to your insurance that we have placed on your behalf. We place insurance with a number of Insurers and we advise you that in most circumstances we have special arrangements with them. We issue policies and handle claims on behalf of some insurers. We only deal with F.S.A. regulated and authorised entities. Please note that we act as your agent, and intend always to act in your best interest.
5. Unless required by law or you give your consent all information you supply will be kept confidential to us and if required Insurers in the course of arranging and administering your insurance and/or claims. We do not pass your information on to any other third party or parties unless authorized by yourself. Insurers pass information to the Claims and Underwriting Exchange run by insurance Database Services Ltd. Some or all of the information you supply to us in connection with your insurance proposal will be held on computer. Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. We reserve the right to make a small charge for supplying this. If you have any queries, please write to WH Insurance Consultants, PO Box 738, Portsmouth. PO1 9AY.
6. We will provide adequate information in a comprehensive and timely way to enable customers to make an informed decision about the general insurance products or general insurance activity related services being proposed, to either the last known address or e mail contact you have advised to us. Each and every renewal is analysed and the client will be offered, in terms of comparable cover, the best available rate we can obtain through our Agencies at the time of renewal.
7. You will be informed if we charge a fee. We do charge fees for, but not limited to, duplicate documents, Faxes, Policies, Renewals and adjustments to policies and other unexpected unusual or additional work. These are negotiable but subject to a minimum of £5.00. We reserve the right to increase or waiver fees at our discretion. We do not charge a fee for work we do on your behalf on claims arising from polices taken out via WHIC.
8. Upon cancellation of a Contract, it should be noted that Insurance Companies often apply short period cancellation charges which are not proportionate to the annual premium and as these form part of the contract offered, we would ask clients to realise that such charges upon cancellation are applied by the Underwriters not ourselves. All returns of premium will be net of any of our fees. Some insurers charge fees for policy adjustments, cancellations and often have minimum return premiums they will administer.
9. In the event that a cheque has to be represented there will be a standard charge of £25.00. In the event that a cheque is returned for any reason there is a standard charge £25.00. This is due to our own bank charges and administration costs.
10. A 3.5% surcharge applies to Credit &/or Debit cards, these charges are payable due to charges made by our Bank and our admin.
11. It is important that you understand that any information, statements or answers made by you to us, or your insurer are your responsibility and must be correct, as they are the basis of your contract. Your attention is particularly drawn to the importance of the declaration and signature on any Insurer’s Proposal Forms as any failure to disclose facts material to the insurance or any inaccuracies in your answers may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters or information which may influence your insurer as to the acceptability or otherwise of your Proposal or Renewal and must be disclosed at the earliest opportunity and at each renewal. Failure to disclose material information may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect.
12. When a policy is issued you are strongly advised to read it carefully, as it is the policy wording, the schedule, the certificate of insurance and any endorsements that is the basis of the insurance contract you have purchased. The issued document should be read as a whole, as some parts, endorsements in particular will modify others. If you are in doubt over any of the policy terms or conditions, please seek our advice promptly.
13. If you have occasion to claim on your policy you must notify us immediately and we will promptly advise you and, if appropriate, issue you with a claim form and pass all details to your insurer. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimize the loss until you have agreement from your Insurer.
14. Complaints: - In the event of any complaint or enquiry relating to your policy please contact us in the first instance whereupon we will endeavour to resolve the matter. If the matter cannot be resolved to your satisfaction by WHIC it will be passed to the complaints department of your Insurer who are obliged to deal with it in accordance with the complaints procedure detailed in your policy documents. It is our intention to provide you with a high level of customer service at all times. If there are occasions when we do not meet your standards please contact the Compliance manager at WHIC, either verbally or in writing, who will take details of your concerns. We will acknowledge in writing and attempt to address your concerns within five working days. If our investigations take longer we will provide a full response within twenty working days or explain our position and provide timescales for a full response. Should you fail to be satisfied with our final response you will then have access to the Financial Ombudsman Service. SouthQuayPlaza. 183 Marsh Wall. London E14 9SR Tel 02079640500
15. Letters can be posted, faxed or e-mailed. We prefer e-mails by plain text only. In all correspondence you should include your reference with us, or sufficient details so that we can assign your letter to the appropriate case.
16. The Policies we sell are covered by the Financial Services Compensation Scheme you may be entitled to compensation from the scheme if insurers cannot meet our obligations, this depends on the type of business and the type of claim. Insurance advising and arranging is covered for 100% of the first £2000 and 90% for the remainder of the claim without any upper limit. Further information about compensation scheme arrangements is available from the F.S.C.S.,
17. The copyright for material contained in this website is owned by WH Insurance and/or Appstation. You may view any part of the website, and print a copy of it for your personal use. You may not use, copy, or distribute any of the material contained in the dinghyinsurance.com website for any other purpose, nor incorporate or distribute it in any other form or publication
18.WH Insurance may revise these Terms and Conditions at any time by updating this page. If you renew your contract with us, or purchase a new product or service, you will be bound by the Terms and Conditions current at that time, which may differ from these.
19. If you proceed, and access the information included in this website, WH Insurance will take it that you have read, understood, and agree to be bound by the information and conditions contained in these pages, you consent to the collection and use of your personal information (including sensitive personal data) by WH Insurance Consultants, provided it is used as set out in these Terms and Conditions. You also consent to the transfer of your information to countries or jurisdictions which do not provide the same level of data protection as the United Kingdom. If we do make such a transfer, we will ensure that your information is appropriately protected.
20.The Internet is not a 100% secure medium of communication and, accordingly, we cannot guarantee the security of any information transmitted via the Internet. We are not responsible for any damages you, or others, may suffer as a result of the loss of confidentiality of such information.
21. We may monitor or record your communications with us to improve our service and for security and regulatory purposes.
22. Before you provide us with any personal data about a third party you must obtain the correct authority from the individual(s) concerned and undertake to keep them advised about how their information will be used.