Blue Line Taxis Insurance
31 – 35 Sycamore street, High Street East, Wallsend, North Tyneside, NE28 6TH
Telephone: 0191 2098013 Fax: 0191 2627575
TERMS OF BUSINESS
(Short Term Clients in the Private and Public Hire Vehicle Trade)
GENERAL
We are insurance intermediaries acting as your agent and responsible for the advice we give you when arranging your insurance. We use the facilities made available by Compucar Limited and underwritten by Royal and Sun Alliance.
Blue Line are authorised and regulated by the Financial Services Authority. The FSA is the independent watchdog which regulates financial services. Our FSA registration number is 458815. You can check this on the FSA register by visiting the FSA website www.fsa.gov.uk/register or by contacting the FSA on 08456061234. Our services include arranging your public and private hire motor insurance for various periods of time. We will carry out this business with you in a fair, competent and transparent manner.
QUOTATIONS
These are based on information that you have provided to us at the time of the quotation. Our quotations are guaranteed until midnight of the same day. A quick quotation may be obtained over the telephone; however this cannot be accepted or treated as confirmation of cover until all documentation is produced.
DUTY OF DISCLOSURE
Please note that all information you supply to us must be truthful and complete. It is your duty to disclose any material fact that you feel is relevant to the underwriter in assessing the risk or settling a claim. Failure to do so may result in the policy being void.
PROVISION OF DOCUMENTATION
At any stage of the period of insurance, we may require documentation from the policy holder.
They must provide this to us upon request from the Insurer or ourselves as an Agent of the Insurer. We in turn will provide a policy document, a policy summary and a ‘demands and needs’ statement for your perusal. You can check the policy details and confirm your period of cover. Certain documentation may be duplicated following any amendment to your policy during the period of cover. We will inform you of any changes to the policy cover, service or Insurer being offered and explain your responsibilities in the matter. We will not withhold any insurance documentation from you without permission, unless the law allows us to do so.
OUR CHARGES
We will make the following charges for services and expenses incurred on your behalf, or because of your negligence.
1. Stopped and returned cheques = £40.00
2. Policy changes during the period of cover = £5.00
3. Re-instatement of a lapsed policy = £5.00
Any administration fee will be advised before any policy is incepted.
PROOF OF PAYMENT
We will provide you with proof that you have paid any premiums, fees or charges during the period of insurance. ‘
CLIENT MONEY
We will hold money received from you, or on your behalf, in a designated Statutory Trust Client Account until due for payment to the Insurer in accordance with our obligations in the contract with the Insurer. Retail clients should note that we do not pay interest which may be earned on any money held in the account to clients.
RIGHTS TO CANCEL
You have the right to cancel any contract we arrange on your behalf by providing us with a written request to do so. Your insurer and ourselves reserve the right to cancel the policy should you default on payments or do not provide requested documentation in good time.
CANCELLATIONS AND REFUNDS
In the event of you canceling your policy we will request a refund from the insurer on your behalf.
Refund policies will vary from insurer to insurer. Refunds will be returned to the client within 30 days. Some short term policies may not have cancellation rights. You will be advised upon your insurer’s policy at the point of sale.
COMPLAINTS
We intend to provide you with a high level of customer service at all times. However, if you think you have just cause to be dissatisfied with that service please contact in the first instance, The Director, Blue Line Taxis, who will be pleased to help you. We have a formal complaints procedure to ensure that a customer’s concerns are dealt with promptly. We will provide written acknowledgement of your complaint within five working days, unless a full response is possible in the same period. A full written response will be provided (or a partial response with an explanation of the current situation and time scales for a full response) within 28 days, a final response will be given within a further 4 weeks.
If after this internal procedure you still remain unsatisfied you have the right to refer the matter to the Financial Ombudsman Service: -
Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E149SR Telephone: 08450801800 Email: complaint.info@financial-ombudsman.ora.uk Website: www.financial-ombudsman.ora.uk
DATA PROTECTION ACT
All personal information about you or your business will be treated as confidential. We will only use and disclose the information we have about you in the normal course of dealing with the underwriters and the claims department if appropriate. We may pass information about you to credit agencies for the purpose of arranging payments by installments and may also pass to them your payment record with us. Under the Data Protection Act 1998 you have the right to see personal information about yourself held on our records.