REGULATION
We, Onrisk.co.uk Ltd, of First Floor, 22 High Street, Hythe, Southampton, SO45 6AH, are authorised and regulated by Financial Services Authority (FSA) to sell general insurance and non-investment insurance products. Our FSA register number is 304512 and you can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uklregister or by contacting the FSA on 0845 606 1234.
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OUR SERVICE TO YOU
In arranging insurance for our customers we act as an independent intermediary and act on your behalf when arranging your insurance. Our service includes: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make. We offer a range of general insurance and non-investment insurance products and have access to a number of Insurers with whom we place your insurance. We will give you details of these insurers when we discuss your individual requirements.
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DISCLOSURE INFORMATION
It is important that you understand that any information, statements or answers made by you to us, or your insurer, are your responsibility and must be correct. Any failure to disclose facts material to the insurer or any inaccuracies in your answers may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters or information which may influence your insurer as to the acceptability or otherwise of your Proposal or Renewal and must be disclosed immediately. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect. The disclosure of information not only applies at commencement and renewal of your policy, but also at anytime during the period of insurance.
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AWARENESS OF POLICY TERMS
When a Policy is issued, you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased. If you are in doubt over any of the policy terms and conditions, please seek our advice promptly.
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CHARGES
We reserve the right to make charges, in addition to any insurance premiums, for the arranging, amending, renewing and cancelling of any policy of insurance. Details of charges made will be declared in all correspondence with you.
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CLIENT MONEY GENERAL
The FSA rules are designed to protect you in the event that an
insurance intermediary fails or is unable to transfer:
- any premium money it has received from you to the insurer; or
- any claims or return premium monies that it has received from the insurer to you
We are governed by strict rules pertaining to Client Money, set down by the FSA. Where we hold monies in a client bank account we may earn interest on monies held, which will be retained by us.
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CUSTOMER PROTECTION INFORMATION
It is our intention to provide you with a high level of customer service at all times. If there are occasions when we do not meet your standards, please contact Ms Jane Roberts either verbally or in writing, who will take details of your concerns. We will acknowledge in writing, advising you of who is dealing with your concerns and attempt to address your concerns within five working days. If our investigations take longer, we will provide a full response within twenty working days or explain our position and provide timescales for a full response. If we cannot satisfy your complaint you may be entitled to refer it to the Financial Ombudsman Service.
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Cooling Off Period
We will give you enough information and help so you can make an informed decision before you make a final commitment to buy your insurance policy. However you will have fourteen days (or thirty days depending on policy type) to change your mind and cancel the insurance contract from the date you receive the policy documentation.
Onrisk.co.uk Ltd is a Limited Company Registered in England 4453249
Authorised and regulated by the Financial Services Authority 314502
'Onrisk' is a trading style of Onrisk.co.uk Limited
Registered Address: 37 Commercial Road, Poole, Dorset BH14 0HU
Data Protection Act 1998
Onrisk.co.uk.ltd is registered under the Data
Protection Act to hold personal data. For Data
Protection Act purposes, we will hold and process
your personal data for insurance administration.
To set up and administer your policy Onrisk.co.uk.ltd
will hold and use information about you supplied
by you and by medical providers. We may send it
in confidence for processing to our insurer(s)
or other companies within our insurers' groups,
including their reinsurers, (or companies acting
on our instructions) including those located both
within and outside the European Economic Area,
such as loss adjustors, investigators, medical
specialists or consultants.
By entering into or renewing your policy through
your intermediary or financial advisor you consent
to our processing personal data including sensitive
data about you and other persons who may be insured
under the contract. You understand that all personal
data you supply must be accurate, and you have
the specific consent of those other persons insured
to disclose their personal data.
Your data is only passed on to underwriters of
insurances or financial services for the purposes
of quotations and or products or services you have
specifically requested.
Should we need to approach your doctor in order
to process your application or any subsequent claim
we will obtain your prior written consent as set
out under the 1998 Access to Medical Records Act.
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