Terms and Conditions

These Terms of Business set out the basis and extent to which we will provide you with services in relation to each and every contract of insurance which we arrange on your behalf. Please read these terms carefully.

All work carried out by us is subject to these terms except where changes are expressly agreed in writing by both parties. We retain the right to amend these Terms of Business from time to time by giving written notice to you.

We may contact you prior to the expiry of any policy to consider if you wish to make a renewal and to notify you of the then current premium for such policy and any changes that have been made to the policy terms. If the insurer no longer offers such a policy, or you have ceased to be eligible for such policy we may introduce to you other policies which may be of interest, from that insurer and/or from other insurers.

We may contact you prior to the expiry of any policy to consider if you wish to make a renewal and to notify you of the then current premium for such policy and any changes that have been made to the policy terms. If the insurer no longer offers such a policy, or you have ceased to be eligible for such policy we may introduce to you other policies which may be of interest, from that insurer and/or from other insurers.

Claims

You must notify us immediately in writing or any claim, or circumstance likely to give rise to a claim. Failure to notify within applicable timescales set out in your insurance policy may entitle your insurer to deny cover in respect of your claim.

Where we handle a claim on your behalf we will do so fairly and reasonably promptly.

Cancellation

We recommend that you contact us before seeking to cancel any policy.