Terms of business
The Financial Services Authority
The Financial Services Authority (FSA) is an
independent watchdog that regulates financial
services. It requires us to give you this document.
Please use the information below to confirm that the
service we are offering is right for you.
Whose Products do we offer?
We only offer household buildings and contents
products on behalf of Lloyds of London.
Which Services do we provide you with?
We do not specifically recommend products, however,
we will ask you questions to determine that the product
we are offering is applicable for your circumstances. You
can then choose whether you wish to proceed.
What will you have to pay us for our services?
For our services in providing this product (Intasure Holiday Home Insurance) we charge an
annual administration fee of £18/£26. Return premiums: These can arise if an insurance risk is
reduced or a holiday home insurance policy policy is cancelled.
If a holiday home insurance policy is cancelled, any premium refund will be
subject to the deduction of the administration fee as above.
We will not issue any return of premium that is less than £10/£15.
Instalments: our instalment facility is subject to an annual charge of £18/£26.
Who Regulates Us?
Intasure is a trading name of Blenheim Park Limited which is authorised and regulated by the Financial Services
Authority. Our FSA registration number is 311572.
Our permitted business is to provide an underwriting and claims service, arrange your holiday home insurance cover to
meet your requirements and help you with ongoing changes you have to make to your holiday home insurance policy.
You can check this on the FSA's Register by visiting the FSA's web site www.fsa.gov.uk/register
What to do if you have a Complaint
If you wish to register a complaint, please contact us in
writing at:
Managing Director
Intasure
Phoenix House
11 Wellesley Road
Croydon
Surrey
CR0 2NW
or by telephone on 0845 111 0294
If you cannot settle your complaint with us you may be
entitled to refer it to the Financial Ombudsman Service.
Are we covered by the Financial Services
Compensation Scheme (FSCS)?
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the
scheme if we cannot meet our obligations, depending on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the
claim, without any upper limit. For compulsory classes of insurance, insurance advising
and arranging is covered for 100% of any claim, without upper limit.
Further information about the compensation scheme arrangements is available from the FSCS.
Your Duty of Disclosure
It is your responsibility to provide complete and accurate information to insurers when you take out
your holiday home insurance policy, throughout the life of the policy and when you renew it.
It is important you ensure that all statements you make in a telephone application or on a web-based proposal form,
claim form or other documentation are full and accurate.
Please note that if you fail to disclose any material information, or change of circumstances, to your
insurers this could invalidate your insurance cover and could mean that part or all of a claim may not be paid.
We strongly recommend that the information provided is checked thoroughly prior to submission and that you
keep a record of all correspondence supplied in relation to the arrangement of your insurance cover.
Settlement Terms
We will be responsible for requesting payment for all
new and renewal premiums and mid-term alterations
as soon as practicable but prior to inception or renewal
of your policy.
We will remit premiums to insurers in accordance with the agreed terms of trade.
You will be responsible for paying promptly all of our payment requests for premiums, to enable us to make
the necessary payments to insurers.
For the avoidance of doubt, we have no obligation to fund any premiums on your behalf, and have no
responsibility for any loss which you may suffer as a result of insurers cancelling the holiday home insurance policy or taking any
other prejudicial steps as a result of the late payment of such sums if such delay is attributable to you.
In certain circumstances insurers may impose a specific Premium Payment Term whereby they require
payment of premium by a certain date. We must stress that breach of that term will entitle insurers to
void the holiday home insurance policy from inception of cover. You agree that the settlement of premiums in good time is your
responsibility.
We normally accept payment by selected credit cards, debit cards or monthly instalments from bank accounts (full details are available upon request).
Policy Termination
Your holiday home insurance policy may be terminated at any time, and for any reason, either by:-
- you giving notice in writing, or
- ourselves, giving at least 7 days' notice in writing to you last known address
In the event of terminating a holiday home insurance policy, any return premium will be calculated subject to any claims
payments during the holiday home insurance policy year and administration fees as set out above.
Policy Cancellation - your right to cancel following the conclusion of the contract
You have a legal right to cancel your holiday home insurance policy, for any
reason, subject to no claims having occurred, after receiving this information following the conclusion of the contract.
The cancellation period is 14 days from the day after you receive this information, following the conclusion of the contract.
If a holiday home insurance policy is cancelled outside this period, any premium
refund may be subject to the deduction of the administration fee with a pro rata amount being charged
for the time that the property was on risk. You will need to provide us with a written request to cancel before the
expiry of the 14 days to the following address:
Intasure
Phoenix House
11 Wellesley Road
Croydon
Surrey
CR0 2NW
Policy Cancellation and your right to cancel following
the conclusion of the contract
You have a legal right to cancel your holiday home insurance policy, for any
reason, subject to no claims having occurred, after receiving this information following the conclusion of
the contract.
The cancellation period is 14 days from the day after you receive this information, following the conclusion
of the contract.
If a holiday home insurance policy is cancelled outside this period, any premium
refund may be subject to the deduction of the administration fee with a pro rata amount being charged
for the time that the property was on risk. You will need to provide us with a written request to cancel before the
expiry of the 14 days to the following address:
Intasure
Phoenix House
11 Wellesley Road
Croydon
Surrey
CR0 2NW
Governing Law
In respect of policies issued in England and Wales, these Terms and Conditions of Trading will be governed by,
and construed in accordance with, the Laws of England and Wales and the parties submit to the exclusive
jurisdiction of the courts of England and Wales. In respect of policies issued in Scotland, these Terms
and Conditions of Trading will be governed by, and construed in accordance with the Laws of Scotland and
the parties submit to the exclusive jurisdiction of the courts of Scotland.
Language Used
The English language will be used for all communications, the contractual terms and conditions,
and any information, we are required to supply to you, before and during the duration of the contract unless
you are habitually resident in another EEA state and require the policy documentation in that EEA state
official language.
Confidentiality and Data Protection
All personal information held by us in relation to you will be treated with the utmost confidence and,
where appropriate, in accordance with data protection legislation, including the Data Protection Act 1998.
You confirm that we may use and disclose information that we have about you in the normal course of
arranging and administering your insurance. We shall assume the personal and sensitive data we
hold about you is correct, unless we are notified of any changes, and it will be used to provide quotations
when policies fall due for renewal. In the interests of security and to improve our service,
telephone calls you make to us may be monitored and/or recorded.
We may pass information about you to credit reference agencies for the purposes of arranging payments by
instalments, and may also pass to them details of your payment record with us.
Your Policy
Should you mislay your holiday home insurance policy booklet a replacement will be issued upon request. |
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