Glover & Howe Limited Website – Terms & Conditions
Please read these terms and conditions with care since they form an important part of any contract between you and Glover & Howe Limited and you and Sterling Insurance Group Limited and by using this site you are deemed to agree to be bound by these terms.
Who are we regulated by?
The Financial Services Authority (FSA) is the independent watchdog that regulates financial services. Glover & Howe Ltd and Sterling Insurance Group Limited are both authorised and regulated by the FSA, and this may be checked
Glover & Howe Limited
Glover & Howe Limited is an independent intermediary who acts as your agent/insurer. Glover & Howe Limited are authorised and regulated by the Financial Services Agency (FSA) and complies with their customer codes. For more information about the FSA visit www.fsa.gov.----
Sterling
Sterling Insurance Company Limited, a member of Sterling Insurance Group Limited is authorised and regulated by the FSA and complies with their customer codes. The insurance provided by this site is underwritten by Sterling.
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 circumstances of the claim.
Insurance advising and arranging is covered for 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 FSCS.
The Service We Offer
It is our intention to provide you with a high level of customer service at all times. However, if you feel you have cause to be unhappy with your insurance cover, in the first instance please contact the Customer Care Officer who will be pleased to assist you. A more formalised complaints procedure will be provided in your policy document or on request.
I addition to the premiums charged, we may, at our discretion, make a £25.00 charge to cover our administration costs for the following specified activities: mid-term cancellations and issue of duplicate documents.
Please note that we only arrange cover in the UK. If you live outside the UK you should contact an insurer in your own country.
The Product we offer
For the type of insurance for which you wish to apply, we will use just one selected insurance company, as detailed above.
Client Money
We act as agents for the insurer for the collection of premiums, payments of claims and refunds of premiums. This means that premiums are treated as being received by the insurer when received in our bank account and that any claims money or premium refund is treated as received by you when it is actually paid over to you. There are occasions where such transactions are restricted (for example, to receiving premiums only) and we will tell you if this is the case.
Arranging Insurance Online
In connection with buying insurance using this site you should be aware of the following stages in the process:
You will be asked a series of simple questions and to agree to certain statements in relation to your policy
These are the questions which form the basis of the insurance and which you should answer truthfully.
By clicking on the ‘Accept/Pay Online’ button you are confirming that you wish to take out the cover provided by Glover & Howe Limited as an agent of the underwriters Sterling Insurance Company Limited.
You declare that you have read and understood the Proposal Declaration, Summary of Cover and give your explicit consent that the personal data you provide may be used by Glover & Howe Ltd and Sterling Insurance Company Ltd, a member of Sterling Insurance Group Ltd, for the purposes of your insurance. This includes underwriting, processing claims handling and fraud prevention, which could involve passing details to agents of Sterling Insurance Group Limited or other insurers. You also declare that you understand that you are entitled to a copy of your personal data held by Sterling Insurance Group Ltd and/or Glover & Howe Ltd upon payment of a fee.
Upon clicking on the relevant button to confirm that you wish to purchase insurance from us online (such purchase only being available for Amateur Photographic Equipment Cover) you are authorising us to debit your credit/debit card with the amount of premium due.
No policy is valid until the due premium has been paid, and satisfactory application form accepted by Glover & Howe Limited.
What will you pay for our service
We do not generally charge a fee for our services. However, a minimum fee of £25.00 may be charged in the event of the mid-term cancellation or adjustment of a policy or for providing duplicate documents. We will tell you about any other fees or charges relating to a particular insurance policy with quotations that may be supplied.
Cancellation
The Company may cancel this policy or any section by sending a recorded delivery letter to the last known address of the insured giving 7 days notice in the event of non-payment of any premium instalment on its due date or in other circumstances when the Company may refund a proportionate part of the unexpired portion of the premium.
The insured may cancel this policy at any time by giving written instructions to the Company, but will not be entitled to any refund of premium if this occurs after 14 days from the issue of the policy.
Please note that we only arrange cover in the UK. If you live outside of the UK you should contact an insurer in your own country.
Our right to off set monies you owe us
We shall be entitled (but not obliged) without notice to you to set off any amounts due to us from you against any amounts which we may receive on your behalf (such as claims monies, refunded premiums and other sums).
Information on our remuneration
In addition to commission which is paid to us by insurers we may earn a “profit-share” from the insurers for efficiently managing business transacted with them. These payments are calculated by reference to various criteria such as overall profitability of the scheme, taking into account the total amount of claims payable arising from the scheme. “Profit-share” payments are not directly referable to individual policies and consequently it is not possible to declare individual amounts for each policy. The “Profit-share” payment received (which is not guaranteed) only represents a small portion of the normal commission we received and will be retained by us.
Disclosure of Material Facts
Your attention is particularly drawn to the importance of the declaration and signature on the Insurer’s proposal forms. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate your cover. Please do consult us if you are in doubt on any aspect.
Emails
Please note that there is no guarantee that any e-mail sent to this site will be received by Glover & Howe Ltd or that the message will remain confidential whilst being transmitted.
Important Policy Information
On receipt of your payment your policy will be distributed within three working days. If you decide that you do not wish to accept this policy, return it within 14 days of receipt and, provided no claims have been made, we will refund the premium in full.
Copy Policy Documentation
A copy of our policy is available on request.
Insurance Premium Tax
Insurance Premium Tax, as imposed by current legislation, will be incorporated into all premiums.
Terms of Payment
In the absence of any alternative terms which we agree with you in writing (such as payment by instalments) our payment terms are as follows:
- New policies – full payment of premium on or before the inception date of the policy
- Mid-term adjustments to existing policies – full payment of any additional premium on the effect date or upon receipt of adjustment debit notice
- Renewals – full payment of premium prior to the renewal date
You should not assume that insurance cover is in place until you have received written confirmation of cover in the form of a policy certificate or equivalent.
Notification of incidents
It is essential that you notify us immediately al all incidents that may result in a claim against your insurance policy.
How to make a claim
If you wish to report a claim or potential claim, please call the number shown on the headed paper which accompanies your policy documents to request a claim form, quoting you policy/certificate number.
About the information on our site
Copyright
All material featured on this site is proprietary to Glover & Howe Ltd or its Licensors. All intellectual property rights arising in this site are reserved to Glover & Howe Ltd, Sterling or their licensors. You may download information from this site for your own personal use but otherwise it may not be copied or reproduced except with our written permission.
Accuracy of Information
Whilst we make every effort to ensure that the information contained in this site is complete and accurate, we provide no warranty or guarantees regarding the availability or completeness or accuracy of this site to which these pages connect.
Where there are links from our site to other sites we give no implied approval or endorsement or comment as to the quality or contents of these other sites as we have no responsibility for any other site.
We reserve the right to make amendments and changes to the information on this site or these terms and conditions at any time. Unless it is clearly indicated, the information provided on this site is not intended to be an offer by us to enter into a contract with you. A contract will be formed only after we have accepted your application and have confirmed to you that a contract has been entered into.
Verifying information
If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interests to contact us in order to verify.
Disclaimer
Glover & Howe will not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information on this web site or lack of availability of the website.
International Enquiries
The pages on this site are only directed at United Kingdom residents, and comply with appropriate UK legislation and regulation.
Governing Law
This website and your use of it are governed by the laws of England and Wales and will be subject to the exclusive jurisdiction of the English court.
Data Protection
When we ask for any personal data, or give you the opportunity to supply such data, it is solely to provide the service or information you have requested.
We may change our privacy policies from time to time, in which case we will post the changes on this page so that you are always aware of our policies.
In addition to any personal data supplied by you, we may collect the following information:
Site Visits - We collect information on the pages you access. This is then used to help us develop the design and layout of our sites. This includes information on the relative popularity of each page, the average number of pages accessed, the number of e-mails sent or files downloaded, and the average time spent on the site. None of this information is linked back to you as an individual.
E-mail Addresses - If you supply an e-mail address to us, it is kept in confidence and used solely to answer your enquiry or to comply with your request. We retain the content of the form or e-mail, the e-mail address and our response. This enables us to retain an audit trail of our contact and provide you with the product, service or information you may have requested.
Data Protection Act 1998: We are obliged to comply with the Data Protection Act 1998. Under this Act you are entitled to request a copy of the information we hold about you and of the details are inaccurate, you may request that we amend them. You should do so by writing to Glover & Howe Ltd, 12 Chapel Street North, Colchester CO2 7AT. Please note, under the Act we are entitled to charge a fee for any such request.
Third Party websites are not covered by our privacy policies.
Data Protection Act
In order to assess the terms of the insurance contract or administer claims that arise, we may need to collect data that the Data Protections Act defines as sensitive (such as criminal convictions). If you proceed with an application for insurance you will signify your consent to such information being processed by us.
Information you supply may be used for the purpose of insurance administration. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer’s compliance with any regulatory rules/codes.
In assessing claims made insurers may also check against publicly available information such as the electoral roll, county court judgements, bankruptcy orders or repossessions.
Credit Card Transactions
The Consumer Credit Act (1974) also applies to transactions over the Internet. It limits your maximum liability on your credit card to -----*, in the event of its loss or fraudulent use. Furthermore, all liability ceases completely once the credit card issuer has been notified of any loss or fraudulent use.
Enquiries or complaints
Any enquiry or complaint you may have regarding your policy should be addressed either to Glover & Howe Ltd or Sterling Insurance Company Ltd. Please be ready to provide all relevant details of your policy and in particular your policy number to help your enquiry to be dealt with speedily.
If you are not satisfied with the way in which a complaint has been dealt with please write to the Customer Service Manager, Sterling Insurance Company Limited 3rd Floor, Blackburn House, 22-26 Eastern Road, Romford, Essex RM1 3JP or telephone 01708 777900.
You may have the right to ask for your case to be reviewed by the Insurance Ombudsman who can be contacted at: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Telephone No. 0845 080 1800 or www.financial-ombudsman.org.uk. Following these procedures will not affect your legal rights.
By providing your contact details, Glover & Howe Ltd may from time to time, also use your e-mail address and/or other personal contact details to keep you informed of other products or services that we feel may be of interest to you.
Please tick the box if you DO NOT wish us to keep you informed in this way.
The information you provide will form the basis of the policy, therefore please check the information you have entered on the application form before proceeding.
Payment by direct debit can only be accepted on premiums in excess of £200. To pay by this method, please contact our office on 01206 814502.