On this page we hope you can find the answers to some frequently asked questions. Please click on the drop down menus for more information.
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At All Insure Services Ltd we offer two types of payment method:
If you would like to pay your policy in full, an invoice will be issued at the inception of the policy and there will be a 14 day payment grace period. If the balance is not settled within this period, the policy will be at risk of cancellation. We can accept debit card payments, credit card payments (in house or over the phone) and cheques. If you have any questions related to our payment options please give us a call on 01202 488879.
If you would like to pay for your policy on installments, we will arrange for this to be taken over a ten month period through a company called Close Brothers Premium Finance with whom we have a close relationship. Those that choose to pay on installments will be subject to a 10% interest fee on the gross premium which will be spread over the ten month payment period.
Information on the payment options available to you will be fully discussed with one of us when we talk to you and we do our best to remain flexible. If you have any questions related to our payment options please give us a call on 01202 488879.
Accepting our Terms of Business
By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to the section headed “Use of Personal Data” and specifically the paragraph explaining how “sensitive personal data” will be used. For your own benefit and protection, you should read these terms carefully. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us.
The Financial Conduct Authority All Insure Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 568982. Our permitted business is introducing, advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You may check this on the FCA’s register by visiting www.fca.gov.uk/register/ or contacting 0845 606 1234.
Our role is to advise you and, after we have assessed your needs, to make a suitable recommendation. We will not in any circumstance guarantee the solvency of the insurer. We will not provide further advice or recommendations following the arrangement of insurance cover unless you notify us of a material change of circumstances or you formally request that we review your insurance arrangements. At renewal, unless we give you a quote for an alternative insurer, we will not offer advice or make recommendations (unless you request this during the renewal process).
The capacity in which we act for you
In providing our service we may sometimes act as an agent of the insurer. We will confirm the capacity in which we will act for you before undertaking any relevant transactions on your behalf.
Our product range and the range of insurers used
We select personal and commercial insurances from a range of insurers but for certain products, we may only select products from a limited number of insurers or in some circumstances, only offer products from a single insurer. We will give you further information about this before we finalise your insurance arrangements; where we select products from a limited number of insurers you may ask for a list of insurers we deal with for these products. We use providers that may conduct a credit check which will be recorded on your credit record.
Complaints and Compensation
We aim to provide you with a high level of customer service at all times but, if you are not satisfied please contact us. Please write to Sharon John, All Insure Services Ltd, Unit 2b Clump Farm Industrial Estate, Blandford Forum, Dorset, DT11 7TD.
When dealing with your complaint we will follow our complaint handling procedures, a summary of the procedures is available on request. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Access to the FOS is available for complaints coming within one of the following categories at the time we receive their complaint:
Payment for our services We normally receive commission from insurers or product providers. We may also charge fees for the arrangement of new business, midterm adjustments and renewals. We will agree any fee with you prior to any fee being due. Any cancellation fee will be in accordance with the “Cancellation of Insurance” section of this document. You will receive a quotation which will tell you the total price to be paid and which identifies any fees, taxes and charges separate from the premium before your insurance arrangements are concluded. We also draw your attention to the sections headed “Cancellation of insurances” and “Ending your relationship with us”.
Handling money Our financial arrangements with most insurance companies are on a “Risk Transfer” basis. This means that we act as agents of the insurer in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with which your insurance is arranged. However, if risk transfer does not apply, such monies will be held by us in a Statutory Trust Account set in accordance with FSA rules. Interest earned on monies held in such a statutory trust account will be retained by us. For the purpose of some transactions, client money may pass through other authorised intermediaries before being paid to the insurer.
Cancellation of Insurances You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance must be returned to us or the insurer concerned. For return premiums, in respect of reduction in risk or policy cancellation, we repay commission to your insurers and this amount will be deducted from the final amount refunded to you. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in event of cancellation before the policy expires.
Ending your relationship with us Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose a penalty. Your instructions must be given in writing and will take effect from the date of receipt. In circumstances where we feel we cannot continue providing services to you we will give you a minimum of 7 days’ notice. Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided.
Disclosure of Earnings You are entitled at any time to request information about earnings that we, or any intermediary we have used, receive as a result of placing your business. In addition to commission from insurers, we may also receive payments based on volumes of business or profitability of the account placed with them. These payments can vary from year to year. Such remuneration is only earned on the basis that it does not detract from our obligation to act in our client’s best interest at all times.
Treating Customers Fairly (TCF) We set high standards for ourselves and it is our intention to treat customers fairly at all times. We have appointed Sharon John to oversee TCF within the company. If at any time you feel that you have not been treated fairly, please contact us in order that the matter may be addressed.
Applicable Law This Terms of Business document is subject to English Law and the jurisdiction of English courts.
You are responsible for providing the complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. If you fail to disclose information or misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered this might invalidate the policy and mean that claims may not be paid. You must check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you might be asked to sign.
It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy.
You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter please contact us for guidance.
Use of Personal Data
We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act 1998. In administering your insurances it will be necessary for us to pass such information to insurers and other product or service providers which may also provide us with business and compliance support.
We may also disclose details to relevant parties as necessary to comply with regulatory or legal requirements. We may contact you in order to promote products or services which may be of interest to you. We will not otherwise disclose the personal information we hold without your consent.
Some of the details you might be asked to give us such as information about offences or medical conditions are defined by the Act as sensitive personal data. By giving us such information you signify your consent to it being processed by us in arranging and administering your insurances.
Subject to certain exceptions you will be entitled to have access to your personal and sensitive personal data. If at any time you wish us or any company associated with us to cease processing any of the personal data or sensitive personal data we hold, or to cease contacting you about products and services, please write to All Insure Services Ltd at the aforementioned address.
Conflicts of Interest Occasions can arise where we, or one of our associated companies, clients or products providers may have a potential conflict of interest with business being transacted by you. If this happens and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment.
Claims Handling Arrangements You should take note of the required procedures in the event of a claim which will be explained in the policy document. Generally, insurers require immediate notification of a claim or circumstances which might lead to a claim. We will employ due care and skill if we act on your behalf in respect of a claim.