OUR SERVICE TO YOU. We will act honestly, fairly and professionally in accordance with Your best interests. We will normally represent You, rather than acting on behalf of the insurer. If We do not represent You, We will inform you accordingly. We will normally give You advice and a personal recommendation about the insurance contract being proposed. If We do not give You advice and a personal recommendation, We will inform You accordingly. Where We propose or advise on an insurance contract, We will inform You whether We are: • Giving a personal recommendation on the basis of a fair and personal analysis of the market. This is Our normal service. • Under a contractual obligation to place business exclusively with one or more insurers (in which case We will provide You with the names of those insurers). Examples of this type of service would include ‘single insurer’ or ‘panel of insurers’ type arrangements. • Not under a contractual obligation to place exclusively with one or more insurers and We do not give a personal recommendation on the basis of a fair and personal analysis of the market (in which case We will provide You with the names of those insurers). An example of this type of service would be where We only approach Your existing insurers for renewal terms. We will identify Your demands and needs and ensure that the insurance contract being proposed is consistent with them. Where We give advice and a personal recommendation, We will explain why the insurance contract being proposed best meets Your demands and needs. If We do not give You advice and a personal recommendation, You are responsible for ensuring that the insurance contract being proposed is suitable for You. We will provide You with a letter/report setting out key aspects of the insurance cover being proposed; however, this is not intended to be a substitute for the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will endeavor to place insurance cover on Your behalf, but We do not guarantee to be able to do this. We will provide You with details of the cover effected on Your behalf, including the insurer who is underwriting the risk. Where We offer to arrange a facility with a premium finance provider which allows You to pay Your insurance premium by regular instalments, We do not offer advice in relation to this facility; however, We may ask some questions to narrow down the selection of options available. You must make Your own choice on which option to a...
OUR SERVICE TO YOU. We source and arrange products but do not offer advice or make recommendations when arranging your insurance or instalment facility. However, we may ask some questions to narrow down the product offered on which we will provide details; you will then need to make your own choice about how to proceed.
OUR SERVICE TO YOU. We will act as an insurance broker to arrange and administer contracts of insurance on Your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, Life & Pensions, Health Insurance, Investments and Mortgages. In addition, we provide insurance-related risk management advice and assistance in claims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally provide a personal recommendation to You on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This means we will research the market place, products and providers and recommend the best product to suit Your own needs. This research is on the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet Your needs. We will identify, select and recommend a suitable product producer and on receipt of Your instructions, we will transmit orders on Your behalf to one or more product producers (a list of which is available on request). We do not have a ‘tied’ relationship with any institution that would compromise our ability to carry out this analysis. The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer • the size of the customer order • the number of providers in the market that deal with brokers • the market share of each of those providers • the number of relevant products available from each provider • the availability of information about the products • the quality of the product and service provided by the provider • cost • any other relevant consideration Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a pers...
OUR SERVICE TO YOU. 4.1 We will provide insurance broking services and/or insurance consultancy services (“the Services”) with reasonable care and skill. In providing any insurance broking element of the Services, we will:
OUR SERVICE TO YOU. One Life Financial Planning Ltd offer independent financial advice. This means we act on behalf of our clients, advising and arranging products from the whole of the market place. We will always establish exactly what your needs and objectives are prior to providing you with any advice. Our role is one of an intermediary within the marketplace seeking out the best possible solution for you. If we arrange any contract(s) under your instructions, we will agree the level of service that you will receive in the future in writing to you. We will always confirm to you in writing the rationale behind any advice recommended or transaction carried out on your behalf.
OUR SERVICE TO YOU. We provide advice and assistance in the arrangement and placing of General Insurance. In addition, we provide insurance related risk management advice and assistance in claims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance.
OUR SERVICE TO YOU. We will act as an insurance broker to arrange and administer contracts of insurance on your instructions. We will normally provide a personal recommendation to You on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance
OUR SERVICE TO YOU. We will advise and make a recommendation for you after we have assessed your needs for: private medical insurance (UK and international), group protection, cash plans, dental cover and individual protection. On occasions we may offer travel insurance on a non-advised basis. When we do this, it will be made clear to you. In making our recommendation we will carry out a fair and personal analysis of the market. This means that we will compare products from a wide range of Insurers in terms of the cover provided, quality of service and other relevant features. In arranging insurance for our customers, we act as an independent intermediary and act on your behalf. Our service includes advising you on your insurance needs, arranging your insurance cover with the recommended insurers and helping you with any ongoing changes you must make. Where you ask us to, we will provide advice and assistance on claims matters, however we will not become involved in the claims process in any other way and will not be involved in payment of claims. Claims generally are handled directly by insurers. There may be exceptions to this, for example, business transacted on a non-advised, information only basis, or execution only (directly on your instructions whereby you will not have requested nor received advice) or on a restricted advice basis (where our recommendations are restricted by the providers available). If these situations exist, we will make it clear to you, and our responsibility to you will be limited accordingly. Where received by us we will forward policy documentation to you. Your Responsibilities
OUR SERVICE TO YOU. Our goal is to give excellent service to all Our customers but We recognise that things do go wrong occasionally. We take all complaints We receive seriously and aim to resolve all of Our customers' problems promptly. To ensure that We provide the kind of service You expect, We welcome Your feedback. We will record and analyse Your comments to make sure We continually improve the service We offer. What will happen if You complain We will acknowledge your complaint within 2 working days of receipt. We aim to resolve complaints, following assessment and investigation, within 5 working days of receipt. Most of Our customers' concerns can be resolved quickly but occasionally more detailed enquiries are needed. If this is likely, We will contact You with an update and give You an expected date of response. What to do if You are dissatisfied Seek resolution by your insurance adviser or with Us. If You are disappointed with any aspect of the handling of Your insurance We would encourage You, in the first instance, to contact the manager concerned. You can write or telephone, whichever suits You, and ask your contact to review the problem. If You remain unhappy with the decision You receive from Us, You may write to the Complaints Officer. If You are dissatisfied with Our final decision from the Complaints Officer, You may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Full contact details of both Our Managing Director and the FOS will be provided at the same time as We acknowledge Your complaint. Note that the FOS will only consider Your complaint if You have given Us the opportunity to resolve it and You are a private Policyholder, a business with a group turnover of less than £1 million, a charity with an annual income of less than £1 million, or a Trustee of a trust with a net asset value of less than £1 million. If, however, We do not resolve Your complaint within 40 working days, the FOS will accept a direct referral. Whilst We are bound by the decision of the FOS, You are not. Following the complaint procedure does not affect Your right to take legal action. Financial Services Compensation Scheme Our obligations are covered by the Financial Services Compensation Scheme (FSCS). If We were unable to meet Our obligations, You could be entitled to compensation from this scheme, depending on the type of insurance and the circumstances at the time. You would be covered for all of the first £2,000 of any claim and 90% of the remainder wi...
OUR SERVICE TO YOU. The Smile Care Agency Introductory Care Service covers the following: Assessment of Your care needs by Our Care Coordinators via phone and email (if required) Usage of the Smile Care Agency Platform including the Carer Profiles, Care messaging, Care Payments Provision of Care Service by a Professional Self-employed Carers Access to vetted Carer Profiles of Professional Self-employed Carers and matching service Access to account management through email and live chat for account and billing enquiries
