TERMS OF BUSINESS OUR INSURANCE SERVICES
The Financial Services Authority (FSA)
The FSA 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.
Whose products do we offer?
We offer products from a range of insurers. Ask us for a list of insurers we offer insurance from.
Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs. Our service also includes: arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make.
What information should you disclose?
It is your duty to disclose all circumstances material to the insurance being requested. Any failure to disclose facts material to the insurance or any inaccuracies in answers could invalidate your insurance cover, and could mean that part or all of a claim may be not be paid.
Charges for the Services its4me provide
We will provide free advice on all the different insurance policies we supply and on changes or additions to your current insurance needs. We do, however, make a service charge on transaction that involve new paperwork, additions and amendments to your policy cover.
What will you have to pay us for our services?
In addition to premiums charged by the insurer, its4me may at its discretion make the following charges to cover administration costs for these specified activities. Below are the charges that may be in addition to any premiums charged by your insurer.
Type of Transaction Service Charge
Quote No Charge
Each New Policy or renewal £6.95 if bought online / £11.95
by phone
Request for new business documents by post when available online £5.00
Mid Term Changes to existing policies £20.00
Duplicate Documents and cover notes for taxation purposes £10.00
(expect HSBC, which is £20.00)
Temporary changes and additions to existing policies £20.00
Cancellation (Annual) £30.00
Cancellation (Monthly) £30.00
plus an additional 1 month's direct debit
Bounced cheques £20.00
Outstanding Debts
Its4me reserves the right to collect any outstanding premiums and service charges from the credit / debit card used to pay for the deposit / policy. You will be notified in writing prior to the collection.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
The service charges we make may be changed from time to time.
Changing your Direct Debits
Please note that if you need to change your direct debit details, we need a minimum of 5 working days notice before payment is due in order to action these changes.
Your right to cancel your insurance You have a right to cancel your insurance and to recover any payment made (except as stated in the ‘service charges’ table). You can do this by giving us notice within 14 days of your receipt of the policy document.
If you do exercise this right to cancel your insurance, you will be charged by the insurer for the service provided up to the point of cancellation. We will also make a cancellation charge as shown in the ‘service charges’ table
If you do not exercise this right to cancel, any remaining cancellation rights will be as set out in the policy document.
At Renewal At renewal we will send you a letter setting out our renewal quote, we may also try to contact you by telephone or e-mail.
If you pay for your policy by monthly direct debit, you have agreed to us automatically renewing your policy with the same insurer and there will be nothing further for you to arrange. Your direct debit payments will continue automatically and your new monthly payments will be debited on your usual collection date.
If you do not wish us to take this action, please tell us at any time up to 7 days before your renewal date. If we do not hear from you to the contrary, we will treat it that you agree to this.
Who regulates us?
Its4Me is a division of Swinton Group Limited, registered in England number 756681, which is connected for the purposes of the Insurance Companies Regulations (1981) to MMA Insurance plc. Registered Office: Swinton House , 6 Great Marlborough Street, Manchester. M1 5SW.
Swinton Group Limited is authorised and regulated by the Financial Services Authority (FSA). Our Firm Reference Number is 309599. Our permitted business is arranging, advising on and helping in the administration of general insurance contracts. You can check this on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
What to do if you have a complaint
If you wish to make a complaint, please contact us:
- In writing - Write to Customer Solutions Team, its4me, its4me House, Rosary Road, Norwich, NR1 4BX
- By phone – Telephone 0870 0133044
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Your choice of law
You and the insurer are free to choose the law applying to
this contract. However, unless they have agreed otherwise
with you, English law will apply.
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.
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. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS.
Data Protection
It is important that you read the following information and that it is shown to any party related to the insurance. It explains how the
data may be used and how your details may be shared.
For the purposes of the Data Protection Act 1998, the Data Controller in relation to any personal data you supply is Swinton Group Ltd.
If you would like a copy of your policy record, please request this in writing from Customer Solutions, its4me, its4me House Rosary Road, Norwich, NR1 4BX. There is a £10.00 charge for this service.
Accuracy of information is important
I understand that where the insurance requires supply of information relating to other people who may be insured under the contract, the information must be accurate and factual to enable correct assessment of the risk. I confirm that I have the consent of these individuals to supply their personal details to its4me and their insurer.
Making false statements, failing to reveal or withholding relevant information is illegal when done to obtain a certificate of Insurance and can make the insurance invalid. This may result in a claim not being paid and your insurer seeking repayment of any amount they are legally required to pay to third parties, if you are not sure if you need to tell us about certain facts, you should provide the information regardless. You must keep us informed of any changes likely to affect your insurance.
Marketing
Information you supply may be used for the purposes of arranging insurance on your behalf and may be disclosed to the insurance companies concerned.
its4me, its associated companies and carefully selected third parties may also use the information supplied for marketing activities such as market research or contacting you by post, telephone, e-mail, fax or other means regarding further products, services or special offers.
When completing a quotation you are consenting to be contacted for the marketing purposes highlighted above. Please contact its4me (its4me house, Rosary Road , Norwich , NR1 4GA ) if you don't want to receive these communications, e-mail us at marketingexclude@its4me.co.uk.
Insurers share claim information
Many of the insurers on our panel pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Service Limited (IDS Ltd), the Hunter Database, run by MCL Software Ltd and all insurers pass information to the Motor Insurance Anti-Fraud and theft Register run by the Association of British Insurers (ABI).
The aim is to help your insurance company to check information provided and also prevent fraudulent claims. When they deal with your request for insurance, they may search these registers. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, your insurers will pass information relating to it to the registers. If you give false or inaccurate information or they suspect fraud, they will record this.
All telephone calls relating to applications and claims may be recorded and the recordings used for fraud prevention, training and quality control.
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purposes of establishing whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurers' Bureau and MIIC may search the MID to obtain relevant policy information.
Persons pursuing a claim in respect of a road traffic accident (including citizens of other counties) may also obtain the relevant information which is held on the MID.
You can find out more about this from your insurance Company, or at www.miic.org.uk
You should show this notice to anyone insured to drive the vehicle covered under the policy.
Credit Search
Some insurers (excluding Axa) and other organisations may also use and search these agencies and databases to help make decisions about the provision and administration of insurance and credit and credit related services for you and your household. Also, to trace debtors, recover debt, prevent fraud, manage your accounts and insurance policies, check your identity to prevent money laundering, unless you furnish your insurers with other satisfactory proof of identity and under take additional fraud searches
its4Me is a division of Swinton Group Limited, registered in England number 756681, which is connected for the purposes of the Insurance Companies Regulations (1981) to MMA Insurance plc. Registered Office: Swinton House , 6 Great Marlborough Street, Manchester. M1 5SW. Authorised and regulated by the Financial Services Authority.