Burgesses Limited - Terms of Business

Status

As an insurance broker, we act on your behalf as an agent to arrange your insurance cover.

Instructions

We always require written or email instructions to avoid possible mis-understandings.

Service

We will offer you a limited range of insurance products for you to choose from. We will provide you with comprehensive information to allow you to make an informed decision about the insurance being proposed. We will try to ensure that the insurance products we offer match your requirements and we will help you to do this by asking you questions that will help to identify your need.

If we cannot match your requirements, we will explain the differences in the product we offer and if it is not practical to match your requirements we will give you enough information so that you are able to make a decision about your insurance.

We will explain the main features of the insurance policy that we offer including who the insurer is and all the important details of cover and benefits as well as any significant or unusual restrictions or exclusions. We will also explain any significant conditions or obligations which you must meet and the period of cover. We will always provide you with a sample policy if requested. We will explain the cost of the policy, including where applicable, any additional taxation costs, details about how to claim and your cancellation rights.

Cancellation

Please be aware that you have a minimum of 14 days in which to cancel the policy, without incurring any cost, from receiving the policy documentation, without giving reason. If you wish to exercise this right, please inform us, or the insurance company in writing during the cancellation period.

Branded Products

We may recommend certain products that are branded in the name of one of our trading divisions; each of these products is specially negotiated with a particular insurer.

Disclosure of information

Please note that the information provided by you forms the basis of a legal contract between you and your insurer. It is therefore essential that all information provided by you is accurate and true to the best of your knowledge and belief. You also have an ongoing duty to disclose any relevant information, which may influence the acceptability or assessment of this insurance (if you are in doubt whether such information is relevant then please contact us immediately). Failing to disclose any material information or changes in the risk to your insurers could invalidate your insurance cover and could mean that part or all of a claim may not be paid. If you are unsure if a fact is material you should disclose it.

In addition, when taking out accident, sickness and unemployment insurance it is most important that you tell us if any of the following apply:

a) You cannot register as unemployed within the United Kingdom.

b) You are employed on a fixed-term contract and you have less than 2 years service with your current employer.

c) You are employed on a fixed-term contract and your contract has 6 months or less to run.

d) You are aware of any proposed redundancies or reorganisation in the business you work for.

e) You are aware of any financial or contractual threat to the business you work for.

f) Unemployment is a regular feature of your particular job.

g) You have a pre-existing medical condition.

h) You are currently unable to work due to a incapacity (including any maternity leave).

i) You are an existing borrower and your mortgage or loan is in arrears.

j) You are using your mortgage or loan for commercial purposes (including buy to let mortgages).

k) You are not living in the property named on your proposal.

l) You are acting as a guarantor on the mortgage or loan (even if you are named on the agreement).

m) You already have unemployment and/or incapacity insurance.

Your Cover

We ask you to review all information upon receipt and let us know immediately if the details of the cover do not meet with your approval, or do not reflect the instructions previously given to us, especially if any cover that you require is excluded.

Data Protection

Any information we hold about you, whether on our computer system or on paper files will be treated as private and confidential. We will only use and disclose the information we have in the normal course of administering or arranging your insurance policy. We may form time to time, use the information we hold about you to send you information on other products and services, which we offer and which we feel may be appropriate. If you do not wish to receive any marketing information from us, please write to us at the address detailed below and we will mark our records accordingly. Under the Date Protection Act 1998 you have rights of access to any personal information we hold about you in our records. If you have any queries in respect of confidentiality and data protection please contact us in writing to Burgesses Limited, PO Box 6164, Braintree, Essex, CM77 7ZW.

Complaints

If for any reason you feel dissatisfied with your insurance cover, or with the levels of service we have provided, we operate a comprehensive complaints procedure to assist you with your complaint.
Details of this procedure have been included in the Initial Disclosure Documentation contained within this mailing.

Law to be applied

The parties are free to choose the law applicable to a contract of insurance. Unless specifically agreed to the contrary, all contracts arranged through our Agency are subject to the Law of England and Wales.