Holiday Home insurance - Terms of business
The Financial Services Authority
The Financial Services Authority (FSA) is an independent watchdog that regulates
financial services. It requires us to give you this document. Please use the
information below to confirm that the service we are offering is right for you.
Holiday Home Insurance - Whose Products do we offer?
We only offer household buildings and contents products on behalf of Lloyds of
London.
Holiday Home Insurance - Which Services do we provide you with?
We do not specifically recommend products, however, we will ask you questions to
determine that the product we are offering is applicable for your circumstances.
You can then choose whether you wish to proceed.
Holiday Home Insurance - What will you have to pay us for our services?
For our services in providing this product (Intasure Holiday Home Insurance) we
charge an annual administration fee of £18/€26. Return premiums: These can arise
if an insurance risk is reduced or a holiday home insurance policy policy is
cancelled. If a holiday home insurance policy is cancelled, any premium refund
will be subject to the deduction of the administration fee as above. We will not
issue any return of premium that is less than £10/€15. Instalments: our
instalment facility is subject to an annual charge of £18/€26.
Holiday Home Insurance - Who Regulates Us?
Intasure is a trading name of Blenheim Park Limited which is authorised and
regulated by the Financial Services Authority. Our FSA registration number is
311572.
Our permitted business is to provide an underwriting and claims service, arrange
your holiday home insurance cover to meet your requirements and help you with
ongoing changes you have to make to your holiday home insurance policy.
You can check this on the FSA's Register by visiting the FSA's web site
www.fsa.gov.uk/register
Holiday Home Insurance - What to do if you have a Complaint
If you wish to register a complaint, please contact us in writing at:
Managing Director
Intasure (Holiday Home Insurance)
Phoenix House
11 Wellesley Road
Croydon
Surrey
CR0 2NW
or by telephone on 0845 111 0294 If you cannot settle your complaint with us you
may be entitled to refer it to the Financial Ombudsman Service.
Holiday Home Insurance - Are we covered by the Financial Services
Compensation Scheme (FSCS)?
We are covered by the Financial Services Compensation Scheme. You may be
entitled to compensation from the scheme if we cannot meet our obligations,
depending 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. For compulsory classes
of insurance, insurance advising and arranging is covered for 100% of any claim,
without upper limit.
Further information about the compensation scheme arrangements is available from
the FSCS.
Holiday Home Insurance - Your Duty of Disclosure
It is your responsibility to provide complete and accurate information to
insurers when you take out your holiday home insurance policy, throughout the
life of the policy and when you renew it.
It is important you ensure that all statements you make in a telephone
application or on a web-based proposal form, claim form or other documentation
are full and accurate.
Please note that if you fail to disclose any material information, or change of
circumstances, to your insurers this could invalidate your insurance cover and
could mean that part or all of a claim may not be paid.
We strongly recommend that the information provided is checked thoroughly prior
to submission and that you keep a record of all correspondence supplied in
relation to the arrangement of your insurance cover.
Holiday Home Insurance - Settlement Terms
We will be responsible for requesting payment for all new and renewal premiums
and mid-term alterations as soon as practicable but prior to inception or
renewal of your policy.
We will remit premiums to insurers in accordance with the agreed terms of trade.
You will be responsible for paying promptly all of our payment requests for
premiums, to enable us to make the necessary payments to insurers.
For the avoidance of doubt, we have no obligation to fund any premiums on your
behalf, and have no responsibility for any loss which you may suffer as a result
of insurers cancelling the holiday home insurance policy or taking any other
prejudicial steps as a result of the late payment of such sums if such delay is
attributable to you.
In certain circumstances insurers may impose a specific Premium Payment Term
whereby they require payment of premium by a certain date. We must stress that
breach of that term will entitle insurers to void the holiday home insurance
policy from inception of cover. You agree that the settlement of premiums in
good time is your responsibility.
We normally accept payment by selected credit cards, debit cards or monthly
instalments from bank accounts (full details are available upon request).
Holiday Home Insurance - Policy Termination
Your holiday home insurance policy may be terminated at any time, and for any
reason, either by:-
- you giving notice in writing, or
- ourselves, giving at least 7 days' notice in writing to you
last known address
In the event of terminating a holiday home insurance policy, any return premium
will be calculated subject to any claims payments during the holiday home
insurance policy year and administration fees as set out above.
Policy Cancellation - your right to cancel following the conclusion of the
contract You have a legal right to cancel your holiday home insurance policy,
for any reason, subject to no claims having occurred, after receiving this
information following the conclusion of the contract.
The cancellation period is 14 days from the day after you receive this
information, following the conclusion of the contract.
If a holiday home insurance policy is cancelled outside this period, any premium
refund may be subject to the deduction of the administration fee with a pro rata
amount being charged for the time that the property was on risk. You will need
to provide us with a written request to cancel before the expiry of the 14 days
to the following address:
Intasure
Phoenix House
11 Wellesley Road
Croydon
Surrey
CR0 2NW
Holiday Home Insurance - Policy Cancellation and your right to cancel
following the conclusion of the contract
You have a legal right to cancel your holiday home insurance policy, for any
reason, subject to no claims having occurred, after receiving this information
following the conclusion of the contract.
The cancellation period is 14 days from the day after you receive this
information, following the conclusion of the contract.
If a holiday home insurance policy is cancelled outside this period, any premium
refund may be subject to the deduction of the administration fee with a pro rata
amount being charged for the time that the property was on risk. You will need
to provide us with a written request to cancel before the expiry of the 14 days
to the following address:
Intasure
Phoenix House
11 Wellesley Road
Croydon
Surrey
CR0 2NW
Holiday Home Insurance - Governing Law
In respect of policies issued in England and Wales, these Terms and Conditions
of Trading will be governed by, and construed in accordance with, the Laws of
England and Wales and the parties submit to the exclusive jurisdiction of the
courts of England and Wales. In respect of policies issued in Scotland, these
Terms and Conditions of Trading will be governed by, and construed in accordance
with the Laws of Scotland and the parties submit to the exclusive jurisdiction
of the courts of Scotland.
Holiday Home Insurance - Language Used
The English language will be used for all communications, the contractual terms
and conditions, and any information, we are required to supply to you, before
and during the duration of the contract unless you are habitually resident in
another EEA state and require the policy documentation in that EEA state
official language.
Holiday Home Insurance - Confidentiality and Data Protection
All personal information held by us in relation to you will be treated with the
utmost confidence and, where appropriate, in accordance with data protection
legislation, including the Data Protection Act 1998. You confirm that we may use
and disclose information that we have about you in the normal course of
arranging and administering your insurance. We shall assume the personal and
sensitive data we hold about you is correct, unless we are notified of any
changes, and it will be used to provide quotations when policies fall due for
renewal. In the interests of security and to improve our service, telephone
calls you make to us may be monitored and/or recorded. We may pass information
about you to credit reference agencies for the purposes of arranging payments by
instalments, and may also pass to them details of your payment record with us.
Holiday Home Insurance - Your Policy
Should you mislay your holiday home insurance policy booklet a replacement will
be issued upon request. |
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