Telephone: 01553 769088

Terms of Business

West Norfolk Insurance Service, 24 Tuesday Market Place, King’s Lynn, PE30 1JJ is an independent Intermeditary who acts as your agent and accept responsibility for the advice given and for arranging your Insurance. We can offer you quotations for Motor, Breakdown, Buildings Contents, Travel Insurance, Liability and Business combined. We will advise you on different products on a fair analysis of the market (we only offer one Legal expenses and Breakdown policy) and the differences between the products. A list of the Insurers used is available upon request. We will also give you advice when submitting a claim against any of the policies we have arranged for you. We are authorised and regulated by the Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS. Tele no: 0800 111 6768 or visit the FCA’s Website: http://www.fca.org.uk

Completing Application Forms:

Your attention is drawn to the importance of the declaration and signature on insurers proposal forms. Any failure to declare material facts (if in any doubt about material information please ask for guidance) or any inaccuracies in your answers could invalidate your cover. It is important that you answer questions on the proposal form accurately and should this information at any time after the inception of the policy change, you have a duty to declare the changes to the insurers and ourselves. If you have any doubts as to whether or not to advise us it is best that you do.

Our Charges/Payments of Premiums:

In addition to the premiums charged by the insurers (we will advise you prior to any changes) we may, at our discretion especially if we have to make enquiries on your behalf, we may make the following charges to cover our administration eg; any adjustments: £15, cancellations: £25, renewals: up to £25, duplicate documents: £10.50. For commercial type contracts ie for Businesses: up to £50. Returned or cheques not honoured: £25. We will always deduct our commission from any rebate following either cancellation or adjustment to your policy. This figure will be disclosed when known and will be confirmed in writing. Also this can vary depending on the level of commission we receive.

Complaints:

It is our intention to provide you with a high level of customer care at all times. However, if you feel that you have any cause to complain in anyway about your insurance cover, the manner of any member of staff, or any advice given, in the first instance please contact Sean Scanlon at West Norfolk Insurance Service, 24 Tuesday Market Place, King’s Lynn, PE30 1JJ, Tele no 01553 769088, who will be pleased to assist you. We promise to investigate your complaint thoroughly and acknowledge this within 5 working days of receiving the same and a final response within 20 working days of having received your complaint. If you are still unhappy and the matter has not been resolved, a formal complaint procedure will be fouud in your policy document or upon request with the proprietor. In the unlikely event that we cannot satisfy your dispute, you can write to: Dispute Resolutions Complaints Dept, Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London. E14 9SR, telephone no: 0800 023 4567 or go to http://www.financial-ombudsman.org.uk/

Cancellation of your Policy:

If having arranged insurance through our office you then discover that the Terms and Conditions were not as agreed then you will be entitled to cancel your cover within 14 days (unless the policy is corrected to your satisfaction) of receiving the same, a refund will be given subject to our charges shown above and the charges made by the Insurers, (we will advise you of your Insurers charges). Also providing no claims has occurred or other changes made to thee policy. We must draw your attention to the scale of charges the insurers make in the event of you wishing to cancel your policy during the first year especially after a claim. If you are unsure about their charges please contact us before you decide to cancel the policy.

Data protection:

Under the Data Protection Act 1988 you have the right to see personal information about you that we hold on our records. Please make an appointment prior to this request. We promise not to use this information other than for our own internal records.

Financial Services Compensation Scheme:

We are covered by the FSCS. You may be entitled to compensation from this scheme if we fail our obligations. Depending on the circumstances of your claim you can claim 100% of the first £2000 and 90% of the remainder. Further information about this scheme is available from the FSA.

Our Terms of Business is subject to English Law

Address:

West Norfolk Insurance Service,
24 Tuesday Market Place,
Kings Lynn,
Norfolk,
PE30 1JJ

Tel 1: 01553 769088
Tel 2: 01553 774301
Email: westnorfolkinsurance@gmail.com

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