Clover Insurance Services, 202 High Street, Ponders End, Enfield, Middlesex EN3 4EZ is authorised and regulated by the Financial Services Authority. 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.  Our FSA reference number is 305858. Our permitted business is arranging general insurance contracts. 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.          

Service

Our service includes; advising you on your insurance requirements, arranging your insurance cover with insurers to meet your demands and needs and helping you with any ongoing changes you have to make.  In respect of Private Car, Household and Commercial Vehicle policies, products are offered from a wide range of insurers.  In respect of Fleet, Property Owners, Liability and Small Business cover, we offer products from a panel of providers.  In respect of Travel Insurance we offer products from Fortis Insurance only.  In respect of Motor and Household policies we offer add on Legal Expenses cover from Aim Legal Expenses Insurance Services Ltd. 

Completion of Proposal Forms/Renewals

Clover Insurance Services give quotations based on the information given to us by you (the proposer) or your legal representative.  The information entered onto the proposal form or provided at renewal, is the basis of the contract between you and the insurers.  You must therefore carefully check that the form is correctly completed, paying particular attention to the declaration before signing it.  Please note that any inaccuracies and/or omissions in the information supplied by you are your responsibility and could result in you buying an inadequate product or could even invalidate your policy.  False or incorrect details could mean that you have to pay more money, your insurers cancelling your policy or a claim not being paid.  Failure to disclose all material facts at inception, during the course of the policy and at renewal could render your insurance invalid and not give protection in the event of a claim.  Material facts are those which are likely to influence the insurers’ acceptance or otherwise of a risk and on what terms.  If you in any doubt about facts being considered material, you should disclose them.

In consideration of being granted temporary insurance cover under a Motor Insurance policy subject to No Claims Bonus (NCB) without providing us with acceptable evidence of NCB, you undertake to provide such evidence within fourteen days of the policy commencement date.  Failure to do so will result in either an increased premium becoming immediately payable by you, or your policy being cancelled.  In the event of cancellation, you will be subject to time on risk charge and administration charges as outlined in the section below entitled "Cancellation of Your Policy".  Time on risk charges will be based on the total gross premium.

Tacit Renewals

In the event that your policy is being paid through the insurers own instalment scheme, we will notify you of your renewal premium and applicable terms and conditions prior to the renewal date of your policy.  Unless we hear from you to the contrary your policy will be renewed.

Premiums

We act as agents of the insurer with regard to receipt of premiums from customers.  All premiums quoted are inclusive of HM Government Insurance Premium Tax. We reserve the right to withdraw premium indications before they are taken up and to apply any changes notified to us by insurers after the indication has been given.                   

Administration Charges

In addition to premiums charged by the Insurer we may, at our discretion, make the following charges to cover our administration costs for the following specified activities, Clover Insurance Services reserve the right to alter these charges. 

Please note that Insurers may reserve the right not to allow refunds of premium following a claim.

Paying by Instalments

You may be able to spread your payments through our own instalment facility, your insurers’ instalment scheme, or a credit scheme which we have arranged with a finance provider such as Premium Credit Ltd (PCL) on your behalf.  We will give you full information about your payment options when we discuss your insurance in detail.  We may keep certain documents such as your insurance certificate while we are waiting for full payment of premiums or administration charges.  In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any documents which you are required to have by law.  

Charges apply for all premiums paid by our instalment facility and are shown below, for conditions please refer to your credit agreement. 

If you wish to pay your premiums by instalments with our finance provider, PCL, they will send you a welcome pack detailing their full terms and conditions.  If you have any questions about your instalments with PCL, you should contact them on 0844 736 9836.  On renewal of your policy we will continue to pass your details to PCL unless you instruct us otherwise.

If any direct debit or other payment due in respect of the credit agreement you enter into with PCL is not met when presented for payment or if you end the credit agreement with PCL or if you do not enter into a credit agreement with PCL we will be informed of such events by PCL.

If you do not make other arrangements with us to pay the insurance premiums you acknowledge and agree that we may, at any time after being so informed, instruct on your behalf the relevant insurer to cancel the insurance (or, if this occurs shortly after the start or renewal of the insurance, to notify the insurer that the policy has not been taken up) and to collect any refund of premiums which may be made by the insurer and if money is owed to PCL under your credit agreement pay it to PCL or if PCL have debited us with the amount outstanding to use it to offset our costs.

You will be responsible for paying any time on risk charge and our administration fess as explained elsewhere in this document and putting in place any alternative insurance and/or payment arrangements you need.

Cancellation of Your Policy

You may have certain cancellation rights in the early stages of the life of a policy which are outlined in the insurers’ policy summary document.  If you cancel on this basis, provided you have not incurred any claims during this period, the insurers will pay a pro-rata refund of premium subject to a minimum charge.  We will in turn deduct a fee of £50.00 from this amount to cover our own administration costs for arranging and cancelling the insurance. 

If you wish to cancel your policy, we must have your instructions in writing.  In the case of motor policies, you must also return your certificate of motor insurance or if mislaid a lost certificate declaration.  You may be due a refund of part of your premium as long as there have been no claims during the time you have been on cover.  Please note that if paying by direct debit, cancelling the mandate does NOT cancel your policy.    

Where you are paying us by instalments or where an additional premium/charge is owed to us following an amendment to your policy, you must pay us within the agreed time.  If after sending you a seven day cancellation notice any payment still remains overdue, we will request that underwriters cancel your policy upon the expiry of the seven days.  Your policy cannot be reinstated should you subsequently pay the outstanding amount. 

In respect of cancellations after the initial period, any refund due will be calculated on the insurers short period cancellation scale and will be after deduction of our lost commission and a £25.00 cancellation charge. No refunds will be given on short period policies (which last for less than twelve months).  In addition, instalment charges are not refunded nor will you be eligible for refunds on additional products such as Legal Expenses cover or Breakdown Cover.

Ownership

There is no ownership between ourselves and any insurer.

The Motor Insurers Database

Please note that insurers exchange information with each other through various databases to help them check information provided to them and also to prevent fraudulent claims.  In addition, all insurers supply details of motor insurance policies to a database to which the Police and other insurers have access.  This helps detect people who break the law by not taking out insurance and insurers to pursue claims following accidents.

Claims

In the event of a claim or potential claim under your policy, please in the first instance refer to the claims procedure outlined in the policy documents you have been provided with.  If the policy has recently set up and therefore you have not received these as yet, please contact us and we will be glad to assist you within the scope of the cover you have purchased.  If you are unsure of any matter regarding a claim or potential claim or simply require advice, please contact us either in person at 202 High Street, Enfield, Middlesex EN3 4EZ or by telephone on 0845 458 2478 and we will be glad to help.

Confidentiality and Data Protection

All personal information about you will be treated as private and confidential and will ask a series of questions to ensure that we are speaking to our customer and not a person who is not authorised to ask questions or to give instructions to us. We can only take instructions to effect or alter a policy from you the policyholder or your legal representative.  Your data is held in accordance with the legislative requirements of the Data Protection Act under which we are authorised.  We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance, and will not disclose any information to any other parties without your consent.  We may use information we hold about you to provide information to you about other products and services which we feel may be appropriate to you unless you indicate to the contrary below.  We may pass information about you to credit reference agencies for the purposes of arranging payments by instalments, and may also pass them details of your payment record with us.  Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. 

Law

This agreement shall be governed by the laws of England, Wales or Scotland and the parties agree herewith that any dispute arising out of it shall be subject to the (non) exclusive jurisdiction of the relevant court.

Complaints

We intend to provide you with a high level of service at all times. However, in the unlikely event that you have a complaint with regard to our service please in the first instance contact Mr A Osman in writing or in person at 202 High Street, Ponders End, Enfield, Middlesex EN3 4EZ or by telephone on 0845 458 2478, in order that the situation may be resolved to your satisfaction.  In the event that we are unable to resolve your complaint you may refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.  We are covered by the Financial Services Compensation Scheme (FSCS) and consequently 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 £2000 and 90% of the remainder of the claim without any upper limit.  Further information about compensation scheme arrangements is available from the FSCS.