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Tel: 0844 576 3330

Portcullis Private Client Terms & Conditions

 Regulatory

Portcullis Private Client (PPC) is a trading style of aucSure Ltd of No.1 Hertsfield Oast, Staplehurst Rd, Kent, TN12 9BW. aucSure Ltd is an Appointed Representatives of Portcullis Insurance Brokers Ltd (PIB), Registered Office Office D, Pinbrook Court, Venny Bridge, Exeter, EX4 8JQ. PIB is authorised and regulated by the Financial Conduct Authority (FCA), registration number 526979. PIB is permitted to arrange and advise on non-investment insurance policies and assist in the handling of claims. You can check these details on the FCA Register by visiting the FCA website http://www.fca.org.uk/

 Legal

The Terms of Business are governed by and construed and interpreted in accordance with English Law and the parties hereby submit to the exclusive jurisdiction of the English Courts.

 What you can expect of us

PPC are your appointed independent agents for the purposes of arranging non-investment insurance. PPC act on your not the insurance companies behalf. We provide you with professional advice in relation to your non-investment insurance requirements and the non-investment insurance market.

Our advice and recommendations are based upon your requirements and needs. This will be detailed in a ‘Demands and Needs’ statement. Should we not be in a position to provide a suitable recommendation we will advise you of this, and work with you to resolve the matter.

We work with a range of insurers who we believe match your requirements and are considered market competitive. In respect of your insurance requirements we may deal with a single insurer or multiple insurers depending on the matching outcome. We will of course keep you apprised of our rationale and recommendation.

We will arrange your insurance with insurer/s that meet your requirements, and provide assistance should any changes be required to your insurance policies. We will support you with any claim you make, and make you aware of your responsibilities and the actions you need to take when making the claim.

When the policy falls due for renewal or your circumstances have changed during the policy term, we will review the new position in relation to your current insurer/s. Should our view be that your current insurer/s remain competitive and provide the right level of cover then we will not undertake a market review. We will advise of you the rationale and recommendation.

As your agent we are entitled to receive a commission for placing your insurance with the successful insurer/s. You are entitled at any time to request information regarding the commission paid.

During the course of our relationship we will collect and store personal information. Your information is important to us and will be treated as private and confidential, even when you are no longer a customer, and will not be shared with any third party, except when such disclosure is made at your request, is in relation to administering your insurance, is for the purposes of data analysis by underwriters, claims and premium purposes, or when the law requires us. Your data will be held in accordance with the Data Protection Act 1998 under which you have the right of access to see personal information about you held in our records, whether electronically or manually. If you have any queries, please write to Darryl Parker, Director Portcullis Private Client, Lonsdale House, 7-9 Lonsdale Gardens, Tunbridge Wells, TN1 1NU.

 What we expect of you

It’s in your in your own interest to ensure that the information you provide us is correct and accurately reflects the risk being insured. Your insurance cover is therefore based on the information you provide to us as your agent. It is imperative that this information is complete and accurate, and that any facts that may influence an insurers’ decision to accept your policy and the terms applied must be disclosed. The Consumer Insurance (Disclosure and Representations) Act 2012 updates the legal basis on which insurance contracts are sold to consumers. You should take care when answering questions asked as part of an insurance application. There is no need to volunteer information that is not requested, however, all questions which are asked must be answered fully, accurately and truthfully or your policy or your insurer may avoid the policy or invoke other remedies which may mean that part or all of your claim will not be paid.

You have a statutory right to cancel your policy within a short period. You should refer to your policy summary or your policy document for further information. Should you cancel you will receive a pro-rata refund of the premium from the insurer, which may include policy set-up and administrative charges. Depending on the circumstances PPC may also retain an amount that reflects the administrative costs of arranging and cancelling the policy. If you decide to cancel outside of this initial period you may not receive a pro-rate refund of your premium. PPC may also charge an amount that reflects the administrative costs of arranging and cancelling the policy.

 Your protection

As an appointed representative of Portcullis Insurance Brokers Ltd (PIB) we are not permitted to hold client money, so it is either transferred to PIB on the next business day after we receive it, or PIB provides for an equivalent amount in its accounts. At all times it is kept separately identifiable from our other money. This means that your money will be protected at all times because of our responsibilities under the FCA rules. By accepting this Terms of Insurance Business document, you are giving your consent for us to operate in this way.

Portcullis Insurance Brokers Ltd is covered by the Financial Services Compensation Scheme (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 90% of the claim, without any upper limit. For compulsory classes of insurance (for example Motor) insurance advising and arranging is covered 100% of the claim without any upper limit. Further information about the compensation scheme is available from the FSCS by visiting http://www.fscs.org.uk

 Should we let you down

Our default position is exemplary service. However if you have reason to make a complaint about our service you should, in the first instance, contact our Head of Customer Service Damon Ashton at Lonsdale House, 7-9 Lonsdale Gardens, Tunbridge Wells, Kent, TN1 1NU or by ringing 0844 576 3330. If we are unable to resolve your complaint to your satisfaction then you are entitled to refer the matter to the Financial Ombudsman Service by telephoning the Consumer helpline 0800 023 4567 or by visiting http://www.financial-ombudsman.org.uk

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