JD Travel Insurance Consultants - travel insurance for those with serious medical conditions.

The Regulator
JD Travel Insurance Consultants, a trading name of Gill Noble & Co Ltd, 29 London Road, Bromley, Kent, BR1 1DG is authorised and regulated by the Financial Services Authority. Our FSA Register Number is 118626. You can check this on the FSA Register by visiting www.fsa.gov.uk or by telephone to 0845 606 1234.

Status We are independent insurance broker acting on your behalf in arranging insurance.

Service
Our service includes advising you on your insurance needs, arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you may have to make. For our mutual protection and training purposes telephone calls may be monitored or recorded.

Products

• We usually offer products from a range of insurers from across the wider market place and will advise and make a recommendation after we have assessed the information you have provided.
• We may offer products from a limited number of Insurers, Lloyds Syndicates and specialist brokers for certain types of insurance.
• For some types of insurance such as legal benefits insurance, we deal exclusively with a single insurer, which we have selected as offering good service and value for money.

Remuneration
For arranging and servicing your policy, we are paid commission or alternatively we may charge a fee. We shall only withdraw commission after we have received the premium from you, and in accordance with FSA regulations and agreements held with Insurers. The amount of commission earned in respect of the insurance contract will be disclosed to commercial clients upon request.
We normally make the following administration charges:

• Arranging new policies and renewals £10 other than Short Term Travel £5
• Mid - term adjustments and cancellations £25
• Replacement certificates or cover notes £5
• Instalment charge £10
• Unpaid Cheques £15
• Credit card surcharge 1.5%
The specific charge and the purpose of any additional charges will always be advised to you in advance.

Renewal Premiums Paid by Instalments
In good time before renewal of your policy we will contact you with renewal terms for the coming year. If you have not contacted us by the renewalndate AND you pay by Direct Debit, we shall automatically renew the policy for you.

Return Premiums
For return premiums, (usually arising if an insurance risk is reduced or cancelled) we repay commission to your Insurer and this will be deducted from the amount due to you. In view of the administration costs involved, we will not issue any refund for less than £10 (after deducting any reclaimed commission and our charge). Where minimum & deposit premiums apply you will be advised before entering into the contract.

Other Taxes & Costs
Other taxes, costs or both may exist in respect of products and services that we offer which are not paid through or imposed by us.

Disclosure It is your responsibility to provide complete and accurate information to Insurers at all times throughout the life of the policy. Failure to disclose any material information to your insurers could invalidate your insurance cover and could mean that part or all of a claim may not be paid. If you are in any doubt about whether information is material, you should disclose it. The information contained in the proposal form is your responsibility. If a form is completed on your behalf, you should check that the answers given to any questions are true and accurate before signing the document. We recommend that you keep a record of all documentation supplied in relation to arranging your insurance.

Cancelling Your Policy
Where a cancellation period is applicable to your policy this will be notified to you in writing and will usually start from the date of receipt of the policy documentation. If you cancel your policy within this period and the terms of the policy allow, you may receive a refund of your premium. In some instances, the Insurer will make a charge for the time the policy was 'on risk'.

Documentation
We may keep certain documents such as your Insurance Certificate or Policywhile we are waiting for full payment of premiums. In these circumstances we will ensure that you receive full details of your Insurance cover and will provide you with any documents required by Law.

Premiums and Financial Matters
We normally accept payment by cash, cheque and most Debit or Credit Cards. You may be able to spread your payments through Insurers instalment schemes, a Premium Finance agreement with a third party finance provider or a facility arranged through ourselves. We are registered under the Consumer Credit Act and our licence number is under reference 044582. We will provide full information about payment options when we discuss your requirements. We may deal with premiums in one or both of the following ways:

• Client Money Segregation (non-statutory trust)
  Premiums that we collect from you will be segregated into and held in a client money bank account and held by us as trustee on your behalf. The client money bank account is set up as a trust governed by FSA rules. We may agree to extend credit to other customers using client money from the client money bank account. We maintain systems and controls to ensure that we monitor and manage client money transactions and any credit risk arising from the operation of the trust arrangement. We may pass money you have paid to us to another broker who we use to arrange a specific type of cover. Were we to become insolvent the Trust dictates customers will have prior claim according to their respective interest.
• Risk Transfer
  Premiums that we collect from you will be segregated into and held in a client money bank account. By virtue of written agreements we hold with Insurers, we collect premiums and make refunds as their agent. This means that once we have collected premiums from you, those premiums are treated as having been paid to the Insurer. Any refund of premium is treated as received by you when it is paid over to you. We will remit the premium to Insurers after deduction of our commission, in accordance with the terms of our agreements with those Insurers. Interest earned on the client money bank account will be retained by us. In the event you default in paying the premiums due, for whatever reason, you understand that we reserve the right to cancel your policy to recover any balance of monies due to us. If any balance or premium is not paid on demand we may appoint a debt collection agency to collect the outstanding balance on our behalf. Any additional charges or costs incurred including those of the agency and any associated Court costs will be added to the debt.

Customer protection Information
It is our intention to provide you with a high standard of customer service at all times. If at any time you are dissatisfied with the service we provide, we have a formal complaints procedure. In the first instance you should bring it to the attention of the member of staff you have been dealing with. If you remain dissatisfied, please bring it to the attention of one of the Directors. If we find your complaint is valid, we will agree with you a mutually acceptable form of redress. Should you feel the problem has still not been resolved, you may be entitled to refer it to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Tel: 0845 080 1800 who can normally deal with complaints from private individuals and from small businesses with an annual turnover of less than £1 Million (for a group of companies, this means a group annual turnover of less than £1m). A copy of our complaints procedure is available upon request. By making a complaint, you do not prejudice your statutory rights.

The Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends upon the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of your claim, without any upper limit. Further information is available from the FSCS.

Data Protection & Confidentiality
All personal information held by us in relation to you will be treated with the utmost respect and where appropriate in accordance with the Data Protection Act 1998. Information provided by you, or obtained in the course of our dealings with you, may be used in the normal course of arranging and administering your insurance and will not be disclosed to any third party without your consent. 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. We may pass information about you to our Regulator so that monitoring or investigatory activities can be undertaken. From time to time, we may use information we hold about you to provide you with information about other products or services, which we offer and which we feel may be of interest to you. If you do not wish to receive marketing information from us, please let us know.

Governing Law
The Insurance Contract and this Terms of Business shall be governed by the Laws of England & Wales and the parties agree herewith that any dispute arising out of it shall be subject to the (non) exclusive jurisdiction of the English Courts.

By placing your business with us you are indicating your acceptance of these terms and conditions.
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