Introduction

This terms of business comes into force on the date you receive it from us and will remain in force until you are provided with revised terms.

Be-SURE Insurance Services is an insurance intermediary acting on your behalf in arranging your insurance.

We provide the following services on behalf of insurer partners; the initial arrangement of cover, mid-term alternations (where required), claims resolution, renewal processing.

You will not receive advice or a recommendation from us for Supply Teacher Insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We only offer products from a limited number of insurers. The list of insurers we offer insurance from is available upon request.

Our status

Be-SURE Insurance Services of 63 Conroy Way, Newton-Le-Willows, Merseyside WA12 8SR is authorised and regulated by the Financial Services Authority. Our FSA Register number is 306271.

Our permitted business is advising and 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 6061234.       

 Settlement terms

 We will be responsible for issuing invoices for all new and renewal premiums and mid-term alterations as soon as practicable after 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 invoices 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.

 We also have no responsibility for any loss that you may suffer as a result of insurers cancelling the policy or taking any other prejudicial steps as a result of the late payment of such sums if such delay is attributable to you. You agree that the settlement of premiums in good time is your responsibility.

 We normally accept payment by cheque or bank transfer or by credit facilities where this has been separately agreed.

 Complaints

 We take all complaints seriously. If you wish to register a complaint then please contact us, either:

In writing to 63 Conroy Way, Newton-Le-Willows, Merseyside. WA12 8SR

By telephone on 01925 228333

We will acknowledge your complaint in writing and tell you how we will handle it. If we are unable to settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

A copy of our complaints procedure is available upon request. 

Remuneration

In the normal course of our business we receive income as commission paid to us by insurance companies with whom we place business.  We may also charge a fee to cover the administration of your insurance.  Full details will be provided before you make any commitment on any product we offer.

Compensation

We are covered by the Financial Services Compensation Scheme (FSCS).

You may be entitled to compensation from the FSCS 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 £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS.

Disclosure

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy and when you renew your insurance.

It is important that you ensure that all statements you make on the proposal form, claims forms and any 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.

Policy documentation

We will issue policy documentation in a timely manner.

Your policy documentation will confirm the basis of the cover, give details of the insurers, and be accompanied by a cover/debit note.

Prior to the conclusion of the contract you will be given a statement of demands and needs to enable you to make an informed decision.

You will be provided in writing and in good time before the expiry of the policy the renewal terms, or advised if renewal is not being offered.

We may keep certain documents, such as your insurance policy and/or certificates of insurance until we receive full payment of premium and/or administration charges.

In these circumstances we will ensure that you receive full details of your cover and any documents that you require by law.

Claims

We will provide a claims handling service for as long as you remain a customer of Be-SURE and we will provide you with reasonable guidance in pursuing your claim.

We will handle claims fairly, promptly and keep you advised of developments.  We will explain in writing (where appropriate) why your insurers are unable to accept your claim, otherwise we will forward settlement without avoidable delay once it has been agreed.

Confidentiality

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 may use the information that we hold about you to provide information regarding products and services that we feel may be appropriate to you.

 Termination

 Should you feel that you have not been given sufficient information about your insurance cover at the time of purchase, then we will allow you a cooling off period of 14 days from the date you instruct us to hold cover.  If you decide, within this period, that you do not want to continue with the policy, your premium will be refunded in full as long as you have not made any claims.

 Governing law

 These terms of business shall 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.