Terms of Business

R.W.Mott & Partner is an independent insurance intermediary with access to over 25 insurance companies, offering a range of personal and commercial insurance products including, car, home, motorcycle, commercial vehicle, caravan, let and unoccupied property, marine, commercial combined and travel insurance policies. We are a firm, authorised and regulated by the Financial Services Authority (FSA), acting as your agent and we accept responsibility for the advice given and for arranging your insurance. The FSA is a non-governmental body, given statutory powers by the Financial Services and Markets Act 2000, which was set up to regulate the sales, advisory and service standards of the financial services industry in the UK. As far as Insurance is concerned, the main purpose is to ensure that customers are treated fairly.

The FSA Insurance Code of Business (ICOB) sets out standards of good practice, which all firms must follow when they deal with you. It gives you important protection and should help you to understand:

• How firms must deal with you
• What information you should receive before you commit yourself to buying any insurance
• How your insurance should be dealt with once you are covered

A copy of the code is available for inspection here.

As Part of our service, we will assist you with any claim you need to make, including, if required, the recovery of any uninsured losses you may incur - subject to our legal expenses cover charge.

Your Duty to Give Information

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance.

It is important that all statements you make on proposal forms, claims forms and other documents are full and accurate.

Your attention is particularly drawn to the importance of the Declaration and signature on the insurer’s proposal and claim forms.

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.

All personal information about you will be treated as private and confidential, under the data Protection Act 1998.

We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance, and we will not disclose any information to any other parties without your consent.

Under the data Protection Act 1998 you have the right to see personal information about you that we hold in our records. If you have any queries please write to us at:

R.W.Mott & Partner
Times House
Plassey Street
Penarth
Vale of Glamorgan
CF64 1ET

Please consult us if you are in doubt on any aspect.

Important notes regarding the information you provide

Insurers pass information to the Claims and Underwriting Exchange Register, run by the Insurance Database Services Ltd. and the Motor Insurance Anti-Fraud and the Theft Register, run by the Association of British Insurers (ABI). The aim is to help us check information provided and also help to prevent fraudulent claims. Under the conditions of your policy, you must tell your advisor about any incident (such as an accident, theft, water damage or fire) which may or may not give rise to a claim. When you tell your advisor about an incident, we will then pass information relating to it to the Registers.

Your insurance cover details will be added to the Motor Insurance Database, run by the Motor Insurers’ Information Centre (MIIC). This has been set up to identify uninsured drivers and may be searched by the Police to help confirm who is insured to drive. If there is an accident, the Database may be used by the Insurers, MIIC and the Motor Insurer’s Bureau to identify relevant policy information.

You should show this notice to anyone insured to drive the vehicle under the policy and to anyone who has an interest in a property insured under the policy.

All Insurers include in their Policy Conditions that you should take all reasonable steps to protect your property from any loss or damage.

Please consult us if you are in doubt on any aspect.

Advice to the insured

Please be aware that at the renewal of a Policy, unless the Renewal Premium is paid at our offices by close of business on the Expiry/Renewal Date, the Policy will automatically be Lapsed by your Insurers.

You should immediately provide details to R.W.Mott & Partner of any changed circumstances that affect this insurance such as:

• Change of car
• Any modifications or engine conversions to the Insured Car
• Change of occupation
• Change of use
• Change of address
• Change of drivers
• Any claim
• Any convictions (motoring or otherwise)
• Any pending prosecutions (motoring or otherwise)
• Any physical or mental defects including heart conditions diabetes epilepsy disabilities or infirmities
• The prescription of permanent medication
• Additional audio or communications equipment.

If you are not sure as to whether any other change will affect this insurance you should contact the office and inform us of the change immediately.

Our Service Charges

New Business: N/A
Renewals: N/A
Mid Term Adjustments: from £12.50
Duplicate Certificates: from £12.50
Cover note for taxation: from £12.50
Legal Expenses Cover: from £14.50
Travel Policies: from £2.50

Policy fees

R.W.Mott & Partner reserve the right to charge a policy fee of either £30 or 10% of the annual premium (which ever is greater) if it is deemed necessary, considering the amount of work, or time involved, in advising, administrating and servicing the policy. We may also charge a policy fee in certain circumstances, where we receive little or no commission from the insurer. We agree under such circumstances to disclose any fees to you, the customer, prior to commitment to incept the policy.

Mid Term Cancellations

On cancellation of your policy your insurer may allow a refund of premium in accordance with their normal scale of charges subject to no claims having been made. This will be paid to you less a proportion of any discount allowed and any commission we are obliged to refund the insurer on the return premium allowed and a cancellation charge of £25.00 in respect of Motor and General Insurance.

Ways to Pay

We normally accept payment by guaranteed cheque, all cheques should be made payable to R.W.Mott & Partner. All major credit/debit cards are accepted and payments can be made over the telephone if required. Please note, payment by credit card is subject to a 1.5% processing fee, debit cards are exempt from the charge.

Credit Arrangements

If you wish to pay for your insurance by instalments, a variable charge may be made for this. If details have not been provided in your new business quotation or renewal quotation, full details will be made available upon request. If you require details in advance, please contact the office.

We may keep certain documents such as your insurance policy or certificate while we are awaiting your full payment of premium (or evidence of no claim discount unless, the gross premium is paid). In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any document, which you are required to have by law.

Under the terms of our instalment agreement and insurers direct debit agreements, R.W.Mott is authorised to cancel a policy if instalments are not paid, by the agreed date.

Hours of Business

Our usual hours of business are 9.00 am to 5.00 pm Monday to Friday and Saturday 9.00 am to 11.45 am.