TERMS OF BUSINESS

GJT Hodgson Insurance Services.
Belle Vue Lane, Bude, Cornwall. EX23 8BS. Tel: 01288 353999
 

Please fully read this statement carefully and keep for your records.

Our Service
In arranging insurance for our customers, we act as an independent intermediary.  We are authorised and regulated by the Financial Services Authority, (FSA), and as such act on your behalf in arranging your insurance.  We offer a wide range of insurance products, and have access to leading insurers in the marketplace.  Our services include: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make throughout the life of your policy.  Advice will be given to you in the event of a claim.  We can also issue policies from our office on behalf of certain insurers.
We will send you documents confirming the full details of your cover and the insurer, and details of the premium (s) you have paid.
 

Customer Duty Of Disclosure
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy and when you renew your insurance.  You must ensure all statements you make on proposal forms, claims forms and other documents are full and accurate.  If a form is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing the document. Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could invalidate your insurance cover and could mean that part or all of a claim may not be paid.
You are reminded that it is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain a Certificate of Motor Insurance.
Please note that under the Rehabilitation of Offenders Act 1974 you are not required to disclose convictions regarded as ‘Spent’.
You are advised to keep copies of any correspondence you send to us or direct to your insurer.
If you are in any doubt about whether information is material or not, you should disclose it.
 

Confidentiality And Data Protection/Access To Records By A Regulator Or Complaints Resolution Body
All personal and sensitive information about our customers is treated as private & confidential.
We will only use and disclose the information we have about customers in the normal course of arranging and administering their insurances, and to provide you information about other products and services which we offer, and feel may be appropriate to you, and will not disclose any information to any other parties without written consent.  Unless we are notified of any changes, we shall assume the personal and sensitive data we hold about our customers is correct, and shall use it to provide quotations when policies fall due for renewal.
Please note, however, that we may have to allow access to your records by a regulator or a complaints resolution body, or their appointees or representatives, who have been appointed to undertake monitoring or investigatory activities.
Under the Data Protection Act 1998, private customers have a right to see personal information about them that we hold in our records.  A charge may be made for this service.
If you wish to exercise this right, or have any other related queries, including giving notice to stop data being processed for marketing purposes you should write to us at the above address.
 

Credit Check Consent
To make sure you get the best deal and to ascertain the most appropriate payment options for you and to protect you from fraud, we use public and personal data from a variety of sources, including a credit reference agency and other organisations. Our search will appear on your credit report whether or not your application proceeds. By agreeing to the terms and conditions you agree to these uses of information.
 

Claims
We have no authority to handle claims on behalf of insurers.  In the event of an incident occurring, which may give rise to a claim under your policy, firstly contact our office and we will advise you of the procedure in dealing with it. Your responsibilities are as follows: report the claim immediately to your insurers; send to us as soon as possible any letter, claim, writ or summons you receive; let us know as soon as possible if you receive any prosecution, inquest or fatal injury enquiry which may be covered by the policy. Do NOT admit fault, negotiate, make or offer any payment without written permission of the insurer.
When we receive notification of an incident that might give rise to a claim under your policy, we will inform the insurer without delay and, in any event, within 3 working days.  We shall use our best endeavours when acting on your behalf in relation to a claim, to handle all elements of the claim with due care, skill and diligence.  We shall advise you promptly of insurers’ requirements concerning claims, including the provision, as soon as possible, of information required to establish the nature and extent of the loss.
If there is any 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 you have given that consent for us to handle the claim.
We shall forward any payments received from insurers in respect of any claim, to you, without delay.
 

Complaints
It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards, please contact our office in Bude in writing or by telephone on 01288 353999.  A member of staff will take details of your concerns and we shall then acknowledge in writing and attempt to address the matter within 5 working days.  A copy of our full Complaints Handling Procedures is available on request.
 

Cancellation Rights. (The Mediation Contract). Applies to Retail Customers only
The Mediation Contract is the agreement between you and us for the insurance mediation services that 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 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.  You may be charged a proportion of any fees that we have incurred.
This Mediation Contract can be cancelled at any time by either party in writing, by giving 14 days notice.  If you wish to give notice of cancellation, please write to us at the above address.  If we wish to cancel this Mediation Contract we shall write to you at the last known address we have for you on our records.  If you decide to cancel the Mediation Contract with us at any time other than during the cancellation period, we will refund all fees that you have paid, less our cancellation charge.
 

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.
 

Customer Money Passed To Another Person
In accordance with FSA Regulations we have to inform you that in managing and/or 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 of Business, you are giving your consent for us to act in the manner described in this Section.
 

Commission Withdrawal
We receive commission from the premiums that you pay to us.  We shall only withdraw commission after we have received the premium from you, and in accordance with FSA regulations and agreements that we hold with insurers.

 Governing Law, Taxes Or Costs This Agreement shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the English Courts.

 Other taxes, costs, or both, may exist in relation to the products and services offered by us, which are not paid through or imposed by us.

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