Terms & Conditions
Important notice about our service to you and your obligations in respect of your insurance cover.
1. The Financial Conduct Authority (FCA)
The FCA 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.
2. What do we do?
We are insurance brokers offering advice and arranging general insurance for personal and commercial clients. We may also signpost you to other service providers where a different service is required such as a premium instalment plan, loss assessor, etc.
3. Whose products do we offer?
We offer products from a range of insurers for the insurance policies we arrange. On occasion we may select from a restricted panel of insurers. In the case of certain specialist insurance products we may only offer cover from one provider. We will clearly advise the situation and the name of the insurance provider in advance of any purchase.
4. How do we get paid?
We earn a commission on most policies we sell. We may also receive a commission from other service providers we recommend.
5. What will you have to pay us for our services?
If you instruct us to cancel cover we will charge a fee equivalent to 15% of any return premium inclusive of ipt issued by your insurer with a minimum fee of £15.
All other transactions will be subject to a fee of £15. This may be varied in advance and will be notified to you prior to purchase of any insurance by you.
6. Who regulates us?
Manor Insurance Services Ltd, 4th Floor, Cavendish House, Breeds Place, Hastings, TN34 3AA is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 303693. Our permitted business is general insurance broking.
You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk/register or by calling 0845 606 1234.
7. What to do if you have a complaint
If you wish to register a complaint, please contact us:
- In writing to Jo McCallum, Compliance Director, at the above address
- By phone on 01424 718790
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
8. Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. 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.
You are responsible for the answers given on any proposal form or statement of fact whether in your hand or otherwise. Any error or omission may affect the cover you purchase. Please heed the warnings these documents contain.
We will provide you with the documentation supplied by your insurer which may include a policy summary, a policy wording, schedule and certificate of insurance. You are strongly advised to read these documents as they explain the insurance you have purchased. If you are in doubt over any aspect of these please seek our advice promptly.
10. Monthly instalment schemes
If we offer facilities to pay your insurance by monthly instalments they may be provided by either Close Premium Finance or your insurer’s individual plan. If you chose to accept this method of paying for your insurance you will be bound by the terms and conditions of the facilities. You expressly agree that at renewal of the insurance the payment contract should also be renewed unless you advise to the contrary in advance.