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We normally accept payment by guaranteed
cheque ,bankers draft, postal orders, cash ,Visa or Master Card credit cards. We
can also accept payment by Switch,Solo or Visa Electron debit cards. |
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You may be able to spread your payments
through insurers instalment schemes or a credit scheme, which we have arranged with
a finance provider. We will give you full information about your payment options
when we discuss your insurance in detail. Devon Direct Insurance Services Ltd holds
a consumer credit Licence (No 552043) under the Consumer Credit Act 1974. Any money
received from you is held by us as agents for the insurers, we do not hold client
money. |
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3. Commission |
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Commission is that part of the premium,
included in the quotation, which covers our operating costs and profit. This includes
staff salaries, establishment, computer systems and all other day to day expenditure.
This sum which is a variable percentage of the premium, is collected by ourselves
by deduction from the quoted premium which you pay to us, and is not invoiced separately.
Please note that once the policy has been set up in accordance with your instructions,
we will retain the commission due and any administration costs regardless of any
specific changes or cancellation requests, even if you cancel the policy prior to
cover taking effect. |
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4. Customer Protection Information: Complaints Procedure |
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It is our intention to provide you
with a high level of customer service at all times. If you should wish to make a
complaint about our service , we have a formal complaints procedure. In the first
instance you should contact us in writing or by telephone , fax or at our e-mail
address. Please address your complaint to the Customer Service Director. We will
then acknowledge receipt of your complaint in writing, within 5 working days and
advise you of the name of our representative who will be dealing with your complaint.
We aim to have a final response to your complaint sent to you in writing, within
20 working days. Individual insurers also have there own complaints procedures and
these can be found in their individual policy booklet. |
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5. Customer's duty to
give information |
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It is your responsibility to provide
complete and accurate information to insurers when you take out your insurance policy
, throughout the life of the policy and when you renew your insurance. It is important
that you ensure that all statements you make on proposal forms, claim forms and
other documents are full and accurate. Please note that if you fail to disclose
any material information to your insurers,
this could invalidate your insurance
cover and could mean that part or all of a claim may not be paid. |
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6. Completion of Proposal
Forms |
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It is essential that all answers given
are accurate and complete. You are urged to read through, understand and verify
all details given before signing the form. This is especially important if the form
has been completed by someone on your behalf or if it is computer generated. Insurers
reserve the right to withhold payment of a claim or to impose extra terms or premium
if inaccurate or misleading information is given. If you have any doubt at all as
to what constitutes relevant facts or information then it must be disclosed on the
proposal form. We cannot accept any responsibility for your failure to include such
information even if you have verbally advised a member of our staff or were under
the impression we already knew or thought you should be asked specifically. It is
your absolute responsibility to affirm the written details shown. |
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You are also advised to thoroughly
check the terms and conditions imposed by the insurer and which are set out in their
proposal forms before signing. Insurers reserve the right to alter premiums or refuse
cover if the details on the proposal form differ form those originally provided
at quotation stage. |
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7. Withholding documentation |
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We may keep certain documents such
as your insurance policy documents or certificate while we are waiting for full
payment of premiums or administration charges. |
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In these circumstances we will ensure
you receive full details of your insurance cover and will provide you with any documents
which you are required to have by law. |
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8. Cancellation |
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If you wish to cancel your policy we
advise that in the first instance you call our office as you maybe due a refund
as long as no claims have been made against your policy. You must then return your
policy document or a declaration that these have been lost together with a letter
confirming your cancellation request BEFORE we can cancel your policy. Cancelling
your Direct Debit does NOT cancel your policy. If you do not pay in full for the
time you have had on cover a debt recovery agency may be used to recover any losses.
Any costs incurred will be added to your debt. Policy add-ons such as Claims Assistance
or Breakdown policies run concurrently with the main policy and cannot be cancelled
and therefore, no refund of premium is possible. |
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9. Confidentiality |
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All personal information about you
will be treated as private and confidential. We may use information we hold about
you to provide information to you about other products and services which we feel
may be appropriate to you. Under the Data Protection Act 1998 you have the right
to see personal information about you that we hold in our records. |