CLICKCOVER Compliance


Terms of Business

About us
Clickcover is a trading name of Seico Insurance & Mortgages Limited of The Goldstone Centre, 2 Goldstone Street, Hove, East Sussex, BN3 3RJ, England.  Our Financial Services Register Number is 300024 We are permitted to arrange, advise on, deal as an agent of insurers and clients and assist in claims handling with respect to non-investment insurance policies.  You can check these details on the Financial Services Register by visiting the FCA’s website http://www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Your duty of disclosure
It is your responsibility to provide complete and accurate information to us and Insurers when you take out an insurance policy, throughout the life of the policy and when you renew your insurance.  Failure to disclose facts; pertaining to your insurance, or any inaccuracies in information given, could result in your insurance being invalid or cover not operating fully.  It is important that you ensure all statements you make on Proposal Forms, Claim Forms and other documents are true, full and accurate.  If a form is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing the document. You are advised to keep copies of any correspondence you send to us or direct to your Insurer.

How to cancel
You may have a statutory right to cancel your insurance within a short period.  Please refer to your policy summary or your policy document for further details.  If you cancel within the statutory period (where this applies) you will receive a pro rata refund of premium from the insurer.  Insurers are also entitled to make an administrative charge. We may also keep an amount that reflects our administrative costs of arranging and cancelling the policy. Details of these are given below.

If you wish to cancel outside this period you may not receive a pro rata refund of premium.  We may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance. Details of these are amounts are given below.

Fees and charges
Below are the administration charges and fees payable under these Terms of Insurance Business.  These may apply if you instruct us to carry out a mid-term adjustment, renewal, cancellation or other work on your behalf.  The following fees apply to each policy to cover the administration of your insurance:

Mid-Term Adjustments: £15.00
3rd Reminder Invoice: £5.00
Duplicate Documents: £15
Cancellation Fee: £30
New Business fee: £10
Renewal fee: £10
Uncleared cheque: £25
Direct Debit failure: £25

Protecting your information
All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance or where we are required by law.

Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998 under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually.  If you have any queries, please write to our Chief Executive, Mr Robert Starr at the address below.

Sums Insured
It is your duty to establish that Sums Insured are adequate and we cannot be held liable for any shortfall in claims payments caused by being under insured. If in doubt you should contact a professional  valuer.

Policy Documentation / Proposal Forms
i) Whilst we will do our utmost to ensure that all Policy Documentation and Cover Notes are correct, it is your responsibility to read through documentation to ensure that it meets with your precise requirements. Any changes that need to be made must be notified to us in writing immediately.

ii) As with Policy Documentation, it is your responsibility to check any answers that we may provide on your behalf on written Proposal Forms that are submitted to Insurers. Again, you should advise us of any incorrect answers in writing.

iii) It is your responsibility to provide complete and accurate information to us and Insurers when you take out an insurance policy, throughout the life of the policy and when you renew your insurance.  Failure to disclose facts; pertaining to your insurance, or any inaccuracies in information given, could result in your insurance being invalid or cover not operating fully.  It is important that you ensure all statements you make on Proposal Forms, Claim Forms and other documents are true, full and accurate.  If a form is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing the document. You are advised to keep copies of any correspondence you send to us or direct to your Insurer.

Our earnings
You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business.

Premiums
i) All new business premiums must be remitted to us within 14 days of the Debit Note / inception date and all renewal premiums must be remitted by the renewal date, unless specifically agreed otherwise by us in writing. Failure to comply will result in the policy being cancelled and the Insurers will levy an appropriate time on risk charge.

ii) Any new claims or alterations prior to renewal / inception may alter the premium being charged.

iii) Returns of premium following policy cancellation / reductions in sums insured or covers, will be issued when we have been credited by the Insurer. Return premiums will have commission deducted from them.

NB. Returns of premium are not normally allowable if there has been a claim on the Policy during the period of insurance to which the premium relates. All returns of premium are entirely at the discretion of the Insurers.

Protecting your money
Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your insurance is treated as being paid for), or we hold it in a client bank account on trust for you.  We may need to transfer your money to another intermediary in some cases.  However your money will be protected at all times because of the requirements of the FCA rules.  We also reserve the right to retain interest earned on this account.

By accepting these Terms of Insurance Business you are giving your consent for us to operate in this way.

Compensation arrangements
We are covered by the Financial Conduct Compensation Scheme.  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, insurance advising and arranging is covered for 100% of the claim, also without any upper limit.  Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting http://www.fscs.org.uk/

How to claim
Please refer to your policy summary or your policy document if you need to notify a claim.  You should contact the insurer direct as soon as possible using the contact details provided. If in doubt about whom you should contact, please contact us on 01273 778888.

Complaints
It is our intention to provide a high level of service at all times.  However if you have reason to make a complaint about our service you should contact our Chief Executive at the above address or call 01273 778888. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service.  You can contact the Financial Services Ombudsman Service by telephone on 0800 0234 567 and Further information is available at http://www.financial-ombudsman.org.uk/  If you do decide to refer any matter to the Financial Services Ombudsman Service your legal rights will not be affected.

 



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