Terms and Conditions

Web Terms and Conditions of Use

 

This document details our services and our arrangements for dealing with your insurance, please read it carefully and retain a copy for your records as your use of the website constitutes acceptance of these Terms and Conditions. The laws of England and Wales govern these Terms and Conditions, and you agree to the non-exclusive jurisdiction of the courts of England and Wales

 

 

Insurance Broker

ViolaInsure is a trading style of Movo Insurance Brokers Ltd who are authorised and regulated by the Financial Conduct Authority, authorisation number 515938.[ You can review our status at https://register.fca.org.uk or by contacting the FCA on 0800 111 6768]. The FCA is the independent watchdog that regulates financial services.

 

Definitions

 

“us” or “we” or “our” means Movo Insurance Brokers Limited

“you” or “your” means the person entering into these Terms and Conditions with Viola Insure

 

 

Our Service 

 

We are an independent insurance intermediary, who acts on our customers’ behalf in arranging insurance, including assessing your insurance needs and recommending policies suitable for you; arranging Your insurance cover with insurers to meet Your requirements; and helping You with any ongoing changes You have to make. As part of our service, We will assist You with any claim. You need to create and tell You what Your responsibilities are to making claims. 

 

 

How we treat your information 

 

We are a data controller [our data protection officer is Hoosh Mires] and act as your agent and will collect data, including personal information and risk details, solely to enable us to obtain and provide insurance quotations, arrange and administer your insurance. You explicitly consent to us accessing, processing and retaining any information you provide to us to provide our services to you.

Data collected by us is contractual and for our legitimate business interests as an insurance broker and we will be unable to offer any quotation or insurance if you refuse to provide specific personal data, including health, financial and criminal records data where these would affect the provision of cover and/or performance of insurance contracts.

 

Your information will be held securely by us and shared with insurers, which could include reputable providers in other countries, to enable them to provide accurate terms. They will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agencies. We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or by virtue of our regulatory requirements. 

 

Information about you and your insurances will be held while you are a client and for a minimum of three years, and in certain circumstances up to six years, after the expiry of your policies. Under the Data Protection Act, data subjects have the right to see, and correct, personal information about them that we hold. Please write to our data protection officer at our office address if you wish to exercise your rights or have a complaint about our use of your data. 

 

 

Our Service in relation to the provision of Premium Finance 

 

We are authorised as a credit broker and offer the credit facilities of insurers and Close Premium Finance or Premium Credit Ltd. We will not provide any advice on the suitability of credit facilities to your needs and may use providers who will conduct a credit check, which will be recorded on your credit record. Please contact us if you DO NOT consent to a credit check being undertaken; however, this may affect our ability to offer instalment facilities to you. 

 

Please Note: Your policy cover will cease if you fail to keep up payments on an instalment agreement or premium finance facility related to it and your credit rating may be affected. In entering into a credit agreement to pay your insurance premium, you give the finance provider the legal Right to cancel your insurance policy on your behalf in the event that you default on the loan, and offset any refunded premium against the outstanding amount owed to them. This means that if you default on your payment terms and the finance provider requests that we cancel Your policy, we will do so as your agent. 

 

 

Payments you make to us 

 

Under the terms of our agreements with the Insurance companies with whom we place business, we receive premiums you pay to us as Agent of the Insurer. We do not pay any interest on premiums held by us in the course of arranging and administering Your insurance. 

 

Payment Options 

 

We accept payment from the following credit/debit cards – Visa, Mastercard, Maestro. You may be able to spread Your payments through insurers’ instalment schemes or a credit scheme, which we have arranged with an established insurance premium finance provider; however, rates and acceptance may be subject to a credit check. We will give you full information about your payment options and the appropriate finance agreement when we discuss your insurance in detail. 

 

 

Our Fees and Charges 

 

We receive a commission from the insurer and premium finance provider with whom we place your business and, in addition, make charges to cover the administration of Your insurance. Prior to the conclusion of each insurance contract, or upon renewal, we will remind you of your right to be advised of the level of commission which we receive from underwriters. 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. 

 

We may arrange a policy on which we earn no commission and, in these cases, we will advise you of the arrangement fee before you take the policy out. We may also make additional charges specific to the arrangement and servicing of certain policies, but these will always be advised to you in advance. 

 

 

Notifying Claims 

 

Any incident which could lead to a claim must be reported as soon as practicable. Your insurer’s claims contact number is shown in your policy documentation. 

 

 

Sums Insured and Indemnity Limits 

 

You will be responsible for ensuring that all sums insured and indemnity limits are adequate for the cover requested. We will advise you of the basis of calculation for sums insured and will, on request, give you details of external experts, such as surveyors and valuers, which you may wish to consult; however, ViolaInsure/Movo retain no liability for any information given by an external expert.

 

Under-Insured

 

In the event of under-insurance, Insurers may reduce the amount of any claim settlement in the same proportion as the sum insured bears to the total value of the insured items. 

 

 

Cancellation of this Agreement 

 

This agreement will remain in force unless cancelled by either party in accordance with the terms below or until you have no insurance business placed through us. You may cancel the agreement at any time, subject to notification in writing to our office address. In the event of cancellation, we shall be entitled to retain any commissions and fees earned before the date of cessation of the agreement in full. We have the right to cancel this agreement subject to one month notice in writing to your last notified address. 

 

 

How to make a Complaint 

 

We aim to provide a first class service, however, if you wish to register a complaint, please contact us by writing to Hoosh Mires, Complaint, Manager, 63-65 Cotmandene Crescent, Orpington, BR5 2RA or, by phone on 02031378020 or by email at [email protected]. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. [The FOS Consumer Helpline is 0800 023 4567, their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR and their website is http://www.financial-ombudsman.org.uk/ or, if your complaint relates to a policy sold online or via email you can register the complaint using the European Online Dispute Resolution platform at http://ec.europa.eu/consumers/odr/]

 

 

The Financial Services Compensation Scheme (FSCS) 

 

We are covered by the Financial Services Compensation Scheme (FSCS). Insurance advising and arranging are covered for 90% of the claim, without an upper limit. For compulsory insurances (e.g. motor insurance and employers’ liability insurance), insurance advising and arranging are covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS.

 

 

Our Service and Obligations to You: 

 

  • We will conduct a fact-find to evaluate your insurance needs with the member of your business that you choose to nominate as your Insurance Contact who will be responsible for ensuring that your disclosure obligations to insurers are met. 
  • We will act as your agent in sourcing policy to meet your demands and needs and presenting the information provided by your nominated Insurance Contact in a manner which is clear and accessible to insurers. Where we operate under any delegated authority from insurers we will act as their agent when issuing cover and in handling any claim you may make, and we will always advise you where this is the case. 
  • We will advise and make a recommendation to you after we have assessed your demands and needs. Our advice will be confirmed in a Demands, Needs and Suitability Statement, giving the reasons for our recommendation. 

 

We typically offer advice from a range of insurers, representing a fair analysis of the market, which means that we will have compared products from a sufficiently broad range of insurance providers in terms of cover, price, quality of service and other relevant features to select appropriate policies for you. However, under certain circumstances, we may only deal with a limited panel or single insurer, or we may use another, specialist, intermediary to access the insurance product that most suits your needs. We will always inform you where this is the case. 

 

 

Your Responsibility to Provide Information: 

 

You have a duty under the Insurance Act 2015 to make a fair presentation of the risk to insurers. This duty applies when you take out your insurance cover, throughout the life of your policy, and when you renew your insurance. 

 

This duty includes a need for your nominated Insurance contact to undertake a reasonable search for material information which is known, or ought reasonably to be known, by anyone playing a significant role in making business decisions in your business (e.g. company’s principals, directors, senior management or shareholders) and staff responsible for arranging or administering your firm’s insurance. You should advise us of any particular concerns which led you to seek insurance cover and any special or unusual facts relating to the risk. 

 

You must ensure that all material statements of fact are substantially correct and not misleading, and any material information which is a matter of expectation or belief (e.g. an estimate or forecast) is provided in good faith. 

 

Failure to disclose any material information or change in circumstances to your insurers which could influence the cost, or their decision to accept your insurance, could mean that your policy could be invalidated or cancelled without refund, or that part or all of a claim may be not be paid. ‘Material Information or changes in circumstances’ could include your inability to comply with any conditions or warranties applicable to your policy, which should be notified to Us immediately.