Terms of Business

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Brian W Harrison Ltd is an Independent Insurance Brokers, transacting most classes of General Insurance Business and as such we act on your behalf in arranging your insurance. Our services include advising you on all your insurance needs, arranging cover with insurers to meet your requirements and helping you with any ongoing changes. As part of our services, we will assist you with any claim you need to make. We have access to leading insurers and offer a wide range of commercial and personal products. On occasion we act as sub-agents to other Intermediaries of whom we will advise you. The company does not own shares in any insurer and no insurer has any financial interest in the company.

Quotations

Quotations are usually subject to a satisfactory Proposal Form, confirmed claims experience and risk survey when required. Cover will be subject, unless otherwise stated, to the normal terms and conditions of insurers policies, implementation of any risk improvements following survey and acceptance of the Proposal Form.

Claims

If there is an occasion to claim on the policy, you must notify us immediately and we will promptly advise you and if, appropriate, issue you with a claim form and pass all details to your insurers. You should not admit liability nor agree to any course of action, other than emergency measure carried out to minimise the loss, until you have agreement from the insurer.

Payment Terms

Our standard form of business requires settlement within 14 days from the date of the invoice. You may be able to spread payments through an instalment facility. We will give you full information about your payment options. The invoice will include, where applicable, UK Insurance Premium Tax and any administration charges. Documents will be retained pending receipt of payment of premium. All return premiums will be refunded net of commission.

Your obligations

Insurance policies are contracts under which both the insured and insurers have obligations. It is your responsibility to provide complete and accurate information to insures when you take out an insurance policy, throughout the life of the policy and when you renew the insurance. It is important that you ensure that all statements you make on proposal forms, claims forms, and other documents are full and accurate. There is a duty upon you to notify any changes which are material to the increase, or change in risk. Failure to disclose any information could invalidate your insurance cover and may mean that part or all of a claim may not be paid.

Cooling Off Period (Retail Clients only)

If you feel you have not been given sufficient information about your cover at the time of purchase, then we will allow a 'cooling off period' of fourteen days from the date you receive the information you need. In the case of face to face sales, this period starts immediately. In the case of distance sales the period starts from the time you receive your documents, which is deemed to be the day after posting. Having received this information, if you decide that you do not wish to continue with this policy, your premiums will be refunded to you, net of any time on risk charge made by your insurers, as long as you have not made or intimated any claim.

Renewal of your Insurance Policy

If you are intending to renew your insurance policy, please note there are no longer any days of grace given by insurers, and that the temporary fourteen days of grace previously provided by motor insurers have now been withdrawn.

It is very important therefore that you give us your renewal instructions prior to renewal date in order that cover can be maintained. It is your sole responsibly to provide us with renewal instructions.

Complaints

It is our intention to provide a high level of customer service at all times. If there are occasions when we do not meet your standards, please contact Mr Harrison, either verbally or in writing, who will take details of your concerns. We will acknowledge in writing advising you of who is dealing with your concerns and attempt to address these within five working days. If our investigations take longer we will provide a full response within 4 weeks or explain our position and provide timescales for a full response. As we are Members of the FSA, should you fail to be satisfied with our final response, you will then have access to the Financial Ombudsman Scheme at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Tel. 020 7964 1000.