“We/us” means OPM Insurance Brokers of County House, St Mary’s Street, Worcester, WR1 1HB

Tel: 01905 616585

Fax: 01905 616585

“The Financial Services Authority” (FSA) 25 The North Colonnade, Canary Wharf, London E14 5HS Tel: 0845 606 1234

Regulation: OPM Insurance Brokers is authorised and regulated by the Financial Services Authority. Our FSA registration number is 314307. Our permitted business is arranging on non-investment products. You can check this on the FSA’s Register by visiting the FSA’s website ww.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234

Our Service: We are independent intermediaries and act on your behalf in arranging your insurance. We use a number of companies and offer a wide range of insurance products. We will provide a list of the companies and products that we offer on request. We only offer a legal expenses policy through DAS. Our service includes arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes or claims you have to make. For your protection calls may be recorded and/or regularly monitored.

Our Remuneration: In providing services to you as detailed above, we receive a commission from the insurer, In addition there might be further remuneration based upon profitability or volume placed with insurer and/or service providers over a specific period

Charges: In addition to the premiums charged by insurers, we make the following charges to cover the administration of your insurance:

Arranging new policies £20.00

Mid term adjustments £20.00

Renewing policies £15.00

Mid term cancellations: Retention of insurers reclaimed commission.

Cancellations within the cancellation rights £25.00*

Duplicate Documents £10.00

*any cancellation during the cancellation rights period will be subject to a £25.00 charge, and any additional costs incurred by OPM Insurance Brokers. Please read the documentation provided by the insurance company for details of any additional charges that may occur during this period.

Instalments:

Premiums <£400

£5.00 per instalment

Premiums >£401

£10.00 per instalment

The instalment facility enables payments to be made in two parts. If we intend to make any other charges, they will be notified to you before we undertake any work so agreement can be obtained. The specific charge and purpose of the charge will always be advised to you in advance.

In most cases, subject to a credit charge we can arrange instalments payable by direct debit to help spread the cost over an extended period. This facility is arranged via Close Premium Finance who specialise in Insurance Premium Financing.

Cancellation Rights: You have the right to cancel your policy during a period of 14 days either from the day of purchase of the contract or the day you received your policy documents, whichever is the later. If you wish to do so and the insurance has not yet commenced you will be entitled to a full refund of the premium paid. Alternatively if you wish to do so and the cover has already commenced, you will be entitled to a refund, subject to a deduction for the time for which you have been covered on a pro rata basis, plus the £25.00 cost incurred in issuing the policy. A refund of premium may not be given if you have made a claim under the policy or an incident has occurred which may give rise to a claim under the policy. To exercise your right to cancel please contact your insurance broker. For motor insurance you should return your certificate of motor insurance as soon as possible after

Cancellation. If you do not exercise your right to cancel it will continue if force for the term of the policy and you will be required to pay the full premium. 

Payment & Documentation:

The provision of insurance services is subject to the satisfactory payment of the appropriate premium. Premiums are due for payment by inception/renewal date of the policy. Premiums resulting from a request for amendment are due immediately upon request. We will provide full information about your payment options at the appropriate time. We may keep certain documents such as your insurance policy documents or certificate until we receive full payment- we will seek your agreement to this if it is appropriate. In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any documents, which you are required to have by law. Failure to make arrangements to pay premiums by the due date will lead to cancellation of cover in respect of new policies and renewals, or the required change not being actioned in respect of amendments. If you are unable to pay the premium by the due date, please let us know immediately.

Your Duty to Provide Information: It is your responsibility to provide 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 the you ensure all statements you make on proposal forms, claims forms and other documents are full and accurate. Where statements of fact documents form the basis of your insurance contract, the information should be accurate and any errors advised to us immediately.

You are responsible for checking that policy terms and conditions meet your requirements and for notifying claims or circumstances that might give rise to a claim. To ensure full protection under your policy you should familiarise yourself with the coverage conditions and procedures relating to claims and their notification.

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. Facts material to the insurance are matters of information that may influence your insurer as to the acceptability or otherwise of your proposal and must be disclosed at the earliest opportunity and certainly at renewal. If you are in doubt over any of our policy terms or conditions, please seek our advice promptly.

E-Mail: In certain circumstances we may agree to correspond with you via e-mail. By providing your e-mail address you are consenting to us communicating with you via e-mail. If you e-mail a request to arrange insurance cover or to amend any details under an existing policy, cover will not be in force until your request has been accepted by the insurer and we have confirmed this. You must take reasonable steps that messages are complete and accurate and are secure against being altered in course of transmission, and are free from harmful viruses.

Termination of Terms: This terms of business may be varied or suspended at any time by notice in writing- any such variation will not affect rights or obligations already accrued by either party.

Confidentiality: All personal information about you will be treated as private and confidential. We will only  use and disclose the information we have about you in the normal course of arranging and administering your insurance. Other than this we will not disclose any information to any other parties outside our group of companies without your consent., unless where disclosure is required by a regulatory regime to fulfil its regulatory function., or; where we are legally obliged to do so.  Customers should be aware that insurers exchange information with each other through various databases to help check the information provided and also prevent fraudulent claims. We may use information we hold about you to provide information to you

About other products and services which we offer..

If you would prefer not to receive information on these services, please advise us. 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 in this respect, please contact us. In both the above circumstances, you should contact us at Unit 4 The Triangle Wild Wood Drive Worcester WR5 2QX.

Complaints: It is always our intention to provide a first class service. However, should you have any cause for complaint about the provision of our service outlined above, please contact us orally or in writing. Your complaint will be acknowledged within five business days advising you who is dealing with the complaint and indicating when you may expect an answer. We will provide a formal written response within twenty business days from receipt of the original complaint. If the complaint cannot be resolved within this timescale we will write with an explanation as to the progress and the likely timescale involved. If we are unable to settle your complaint with us, you may be entitled to refer it to the Financial Ombudsmen Service at : Financial Ombudsmen Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Your insurer also operates a complaints procedure, details of which are in your policy.

Compensation Arrangements: 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. Insurance arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Law and Jurisdiction: These terms of business shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising out of or in connection with these terms of business we both irrevocably submit to the non-exclusive jurisdiction of the English