Terms of Business Agreement

1. About Us
We are an insurance intermediary specialising in sports and leisure insurance. Our policies are underwritten by various insurers whose details can be found on the policy documents relevant to that product. We are also able to assist with policy amendments, upgrades or queries throughout your policy period. On request, we will provide you with our full policy terms and conditions and sales brochures including details of the insurers we offer insurance from .

2. Consumer Protection
We are authorised and regulated by the Financial Services Authority (FSA) who are the organisation set up by the Government under the Financial Services and Markets Act 2000 (FSMA) to regulate firms that undertake financial services in the UK. Our firm reference number is 309959. These details can be checked on the FSA’s register  by visiting the website http:// www.fsa.gov.uk.

3. Confidentiality and Data Protection
All information about you will be treated as private and will not be shared with other parties without your express agreement except for that which we may have to disclose to FSA as a condition of our membership. Under the Data Protection Act 1998, you have the right to see personal information about you that we hold in our records. We will not make your details available to other parties for marketing purposes but we may contact you ourselves to keep you informed of our latest products and services for insurance and travel. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with our WEB site.

4. Customer Obligations
It is your responsibility to provide complete and accurate information to us when you take out your insurance policy and throughout the life of your policy and when you renew your insurance. It is important that you ensure that all statements you make on application forms, claims forms, Internet forms or verbally over the telephone are full and accurate. If you fail to disclose any material information to your insurers, this could invalidate your insurance cover and mean that part or all of a claim may not be paid.

5. Purchases made on behalf of a third party
If you are purchasing a policy on behalf of another person or a group or team, it is your responsibility to ensure that the Customer Obligations (set out in previous paragraph) are met for each of the persons for whom cover is being purchased. It is also your obligation to ensure that each person on whose behalf insurance has been purchased is aware of the full details of the cover. We are unable to accept responsibility for loss should a claim be rejected due to the non-disclosure of a third party insured.

6.  Duty of disclose to Insurers
You must disclose to insurers, before the contract is concluded, any fact or circumstance which is known to you (or which ought to be known to you) and which is material to the risk. A fact or circumstance is material if it would influence the judgement of a prudent insurer in fixing the premium or determining whether he would take the risk. Should you not act with the utmost good faith or fail to disclose any material fact or circumstance to insurers, insurers may avoid the contract. In particular you should ensure that you comply fully with any Declarations and Warranties that you agree to.

7. Payment
Premiums for Insurance are payable and due at the time of booking. Various payment methods are available and include cheque, credit card (all major credit/debit cards except Amex are accepted), instalments or credit, dependent upon the value of the premium and the type of policy. Failure to make a payment by the agreed date will result in cancellation of the policy forthwith or by the insurers giving notice of cancellation and no refund will be made. All premiums quoted are inclusive of local Taxes at the prevailing rate.

8. Cancellation
If the Insurance does not meet with your requirements you may return the documentation within 14 days of the date of issue and provided the policy has not been relied upon and no claim is made, obtain a full refund.

9. Security
We do not guarantee the solvency of any insurer we place business with. You may not be able to collect claims from an insurer that becomes insolvent. There is no refund of premiums after the expiry of the cooling-off period. Please see your policy document for further details.

10. Client Money
Any money that we receive from you (or on your behalf) is held in a statutory trust bank account. This ensures that Your money remains yours until the money is received by the insurer or product provider. This is governed in accordance with FSA rules. Any interest earned on client money will be retained by us for our own use. 

11. Policy Documents
Policy information will be issued in a timely manner. This will normally be within 3 days of the contract of insurance being concluded. Your policy documentation will confirm the basis of cover, give details of the insurer, be accompanied by a policy summary and include a Demands and Needs statement and Keyfacts illustration. We reserve the right to hold back schedules and certificates until all payments due have been made. We retain documents for 6 years in accordance with our retentions of documents policy.

12. Checking your policy documents
When you receive your documents, please ensure that you read your insurance policy carefully. Failure to comply with the terms and conditions of the policy may result in cover being restricted or possibly invalid. Please contact us if you have any questions with regard to your policy. You are advised that the full terms and conditions of our policies should be consulted prior to your completing your policy purchase and if you have any questions you should make sure these are answered to your satisfaction.

13. Remuneration
Our remuneration may be a fee, or as brokerage, which is a percentage of the insurance premium paid by you and allowed by the insurer with whom the insurance is placed. Brokerage and fees are earned for the policy period and we will be entitled to retain all fees and brokerage in respect of the full policy period in relation to policies placed with us. In the event of a mid-term adjustment (where permitted under the relevant policy documents) we will be entitled to a percentage of the premium payable by you. In addition to the client fees and/or brokerage payments we may receive remuneration by way of administration fees or profit commissions, which are contingent on underwriting profitability, from underwriters. At your written request we shall endeavour to calculate and advise you of the contingent commission we may receive in respect of your business.

14. Policy renewal
Annual policyholders will be provided with the renewal terms no less than 21 days before expiry of the policy, or notified that the renewal is not being invited.

15. Claims
Your insurance policy includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must notify us of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance in submitting a claim and seeking reimbursement.

16. Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we or the Insurers cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Full details and further information on the scheme are available from the FSCS.

17. Complaints Procedure
We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service please write to us and address your correspondence to the Managing Director. We will do our best to resolve the problem. Should you remain dissatisfied and wish to make a further complaint you can do so at any time by referring the matter to the Complaints Department at Lloyd’s. Their address is: - Complaints Department, Lloyd’s, One Lime Street, London EC3M 7HA Tel: 020 7327 5693. Fax:  020 7327 5225. e-mail: complaints@lloyds.com. Complaints that cannot be resolved by the Complaints Department may be referred to The Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London  E14 9SR. Further details will be provided at the appropriate stage of the complaints process.

18. 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 courts.