Regulation. Anthony Jones (UK) Ltd are authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 304602. You can check this on FCA’s register by visiting their website www.fca.org.uk or by contacting them on 0800 111 6768.

Status. We are an independent intermediary (broker) acting on your behalf. Our service includes advising you on your insurance needs, arranging cover with insurers to meet your requirements and assisting you with any alterations necessary to the insurance we have arranged on your behalf. We sell and advise on a wide range of both personal and commercial insurance products and provide advice or information on the basis of a fair analysis of the market from a wide range of insurers. We may issue and handle claims on behalf of some insurers.

Confidentiality. Unless required by law or public interest or you give your consent, all information you supply will be kept confidential to us and parties involved in the normal course of arranging your insurance. Under the Data Protection Act 1998 you have the right to see personal information about you, which we hold in our records.

Disclosure of 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 you ensure that all statements you make on proposal forms, claim forms, and other documents, are full and accurate. If a form is completed on your behalf it is your responsibility to ensure that the answers given are complete and accurate. For Commercial customers, any inaccuracies in the material facts and answers to questions you provide to us and Insurers may invalidate your insurance cover in whole or part. Material facts are matters or information that may influence your insurers in accepting your proposal or renewal and should be disclosed as soon as possible and certainly before each renewal. You are advised to keep copies of correspondence or documents sent to us. Please do consult us if you are in doubt on any aspect. You are reminded that it is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain an Insurance Certificate.

Awareness of policy terms. When a policy is issued you are advised to read it carefully. It is that document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased. Please ask our advice is you are in any doubt over the terms or conditions.

Charges. We do not normally make any charges in addition to the commission we receive from insurers for insurance arranged on your behalf. Insurers may include an administration fee for which we do not receive commission. In a few cases, business is placed with insurers on a net-rated basis which means we do not receive commission on that policy. In these circumstances we will agree a fee with you before you purchase the insurance. For return premiums (usually arising if an insurance risk is reduced or the policy is cancelled), we repay commission on the refund to your insurer and this amount will be deducted from the final amount refunded to you. We will let you know the commission we will receive for a particular type of insurance on request

Premiums and Financial Aspects. Premiums are paid into our Non-Statutory Trust client bank account (which has been set up in accordance with the strict rules laid down by the Financial Conduct Authority). We are required to inform you that we may use your individual premium to settle premiums due under other policies (including those payable by other clients). We normally settle Insurers Accounts monthly and our Commission is only received when payment is made. If we place your business through another intermediary regulated by the Financial Conduct Authority, your premium will be passed to that intermediary. We are the Agent of Insurers for the collection of certain premiums. We normally accept payment by cheque, cash or any of the major debit/credit cards. You may be able to spread your payments through insurers’ instalment schemes or a credit scheme that we have arranged with a third party finance provider. We will give you full information about your payment options and details of the interest payable when we discuss your insurance in detail.
If any Interest accrues on the Premium paid this will be credited to a Client Account if this exceeds £20.00.

Claims. If you have a potential claim under your policy you must notify this either to us or your insurers immediately. Failure to do so may invalidate your claim. In the event of an emergency occurring outside our normal business hours your policy may contain emergency telephone help lines and advice. Please do not admit liability for any incident until you have spoken to us or your insurers.

Documents. We reserve the right to retain certificates or other documents until all payments due under the policy have been made. Facilities may be available for payment of premiums by instalments. Full details will be given when we discuss your insurance. If instalment facilities are used we may retain documents until we have received acceptance and/or payment from the finance provider. Where we retain documents we will provide details of your insurance cover.

Complaints. It is our intention to provide you with a high level of customer service at all time. However, if at any time you are dissatisfied with the service we provide, we have a formal complaints procedure. You should, therefore, take the following course of action:
In the first instance you should discuss your complaint with the member of staff with whom you have been dealing. If you remain dissatisfied, please write to, or telephone Terry Marshell at the address shown overleaf. We will acknowledge your complaint within 5 working days and advise you who is conducting the investigation in the matters which you have raised. We will provide a formal response within 20 working days from initial receipt of the complaint. If the complaint cannot be resolved within this timescale we will explain why and specify the likely timescale for resolution. If we cannot settle your complaint, you may be entitled to refer it to the Financial Ombudsman Service. We will advise you if you are able to refer any complaint to the Financial Ombudsman.

Financial Services Compensation Scheme (FSCS). We are covered by the 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. Non compulsory classes of insurance are covered for 90% of the claim with no upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Claims and Underwriting Exchange Register and Motor Insurance Anti-fraud Register. Insurers pass information to the Claims and Underwriting Exchange Register operated by Database Services Ltd and the Motor Insurance Anti-Fraud Register compiled by the Association of British Insurers. The objective is to check information provided and to prevent fraudulent claims. Motor insurance details are also added to the Motor Insurance Database operated by the Motor Insurers’ Information Centre (MIIC) which has been formed to help identify uninsured drivers and may be accessed by the Police to help confirm who is insured to drive. In the event of an accident, this database may be used by Insurers, MIIC and the Motor Insurance Bureau to identify relevant policy information. Other insurance related databases may also be added in the future.

Applicable Law. This Terms of Business document is subject to English Law.

Your acceptance of these Terms of Business does not affect your legal rights.