Common use of The Financial Conduct Authority Clause in Contracts

The Financial Conduct Authority. The Financial Conduct Authority is the independent watchdog that regulates financial services. Just 4 Landlords is a registered trading name of Maintenance Direct Insurance Services Ltd and we are authorised and regulated by the Financial Conduct Authority. Our FCA registration number is In entering into a credit agreement to pay your insurance premium, you give the finance provider the legal right to cancel your insurance policy on your behalf in the event that you default on the loan, and offset any refunded premium against the outstanding amount owed to them. 707133. You can check our status at xxxxx://xxxxxxxx.xxx.xxx.xx or by contacting the FCA on 0800 111 6768. Our permitted business includes advising, arranging, dealing in and assisting with the placing & administration of General Insurance policies. We are a data controller and our data protection officer is Xxxxx Xxxx. We act as your agent and will collect data, including personal information and risk details, solely to enable us to obtain and provide insurance quotations, arrange and administer your insurance. Data collected by us is contractual, and for our legitimate business interests as an insurance broker and we will be unable to offer any quotation or insurance if you refuse to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts. your information will be held securely by us and shared with insurers, and anyone else involved in the normal course of arranging and administering your insurance which could include reputable providers outside the EU, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agencies. We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or our regulatory requirements. Information about you and your insurances will be held while you are a client and for a minimum of three years, and in certain circumstances up to six years, after expiry of your policies. Under the Data Protection Act data subjects have the right to see, and correct, personal information about them that we hold. Please write to our data protection officer at our usual office address if you wish to exercise your rights or have a complaint about our use of your data. O ur service We are an independent insurance intermediary, who acts on our customer’s and client’s behalf in arranging insurance, including assessing your insurance needs and arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. Although we will not provide you with advice, we will assess your needs through a series of questions and only offer cover that is consistent with your stated needs, which will be confirmed in a Demands and Needs statement. Where we do not have a policy which meets your stated needs, we will tell you which requirements are not met to enable you to make an informed decision. As part of our service, we will assist you with any claim you need to make and tell you what your responsibilities are in relation to making claims.

The Financial Conduct Authority. The Financial Conduct Authority WM Brokers Ltd is the independent watchdog that regulates financial services. Just 4 Landlords is a registered trading name of Maintenance Direct Insurance Services Ltd and we are authorised and regulated by the Financial Conduct AuthorityAuthority with FCA Register number FRN 301643. Our FCA registration number We are an Insurance Intermediary and our permitted business is In entering into a credit agreement to pay your insurance premiumarranging, you give the finance provider the legal right to cancel your insurance policy on your behalf advising, dealing as agent, making arrangements and assisting in the event that you default on administration and performance of general insurance contracts and pure protection contracts. We are also authorised to undertake the loan, and offset any refunded premium against the outstanding amount owed to them. 707133following consumer credit activities: Credit Broking. You can check our status at xxxxx://xxxxxxxx.xxx.xxx.xx this on the FCA’s register by visiting the FCA website xxxxx://xxxxxxxx.xxx.xxx.xx/ or by contacting the FCA on 0800 111 6768. Our permitted We generally provide advice on the basis of a fair and personal analysis of the market and can place business includes advising, arranging, dealing in and assisting with the placing & administration a range of General Insurance policies. We are a data controller and our data protection officer is Xxxxx Xxxxinsurers. We act as on your agent behalf in sourcing a suitable policy for you. For some specific cover types, we may only deal with a single insurer or a limited number of insurers and do not advise on the basis of a fair and personal analysis of the market. In these cases, we will collect dataadvise you of this and specify the insurers that we deal with for that type of cover. When providing advice in this way, including personal information and risk detailswe are not under a contractual obligation to conduct insurance distribution exclusively with these insurers. We may at times act on behalf of the insurer under a delegated authority agreement whereby we are able to quote or issue policy documentation on their behalf. Where we recommend a policy with an insurer where we act under a delegated authority agreement, solely we will advise you of this. If we use the services of another intermediary to enable us to obtain and provide insurance quotations, arrange and administer place your insurance. Data collected by us is contractual, and for our legitimate business interests as an insurance broker and we will advise you of the name of the intermediary we used and the name of the insurer. Your specific circumstances will dictate which of these bases is the most appropriate for you. The approach which we adopt, will be unable to offer any quotation or insurance if you refuse based on our knowledge of the market, the quality of an insurer’s policy terms and claims service and the insurer’s ability to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis definitive contract terms at inception of public interest, where these would affect the provision of cover and/or performance of insurance contracts. your information will be held securely by us and shared with insurers, and anyone else involved in the normal course of arranging and administering your insurance which could include reputable providers outside the EU, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agenciesinsurance. We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or our regulatory requirements. Information about you and your insurances will be held while you are a client and for a minimum of three years, and in certain circumstances up to six years, after expiry of your policies. Under the Data Protection Act data subjects have the right to see, and correct, personal information about them that we hold. Please write to our data protection officer at our usual office address if you wish to exercise your rights or have a complaint about our use of your data. O ur service We are an independent insurance intermediary, who acts on our customer’s and client’s behalf in arranging insurance, including assessing your insurance needs and arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. Although we will not provide you with advicea personal recommendation. In some circumstances, we will assess your needs through a series of questions and only offer cover that is consistent product may be offered to you on a non-advised basis with your stated needsno personal recommendation. We will, which will be confirmed in a Demands and Needs statement. Where we do not have a policy which meets your stated needshowever, we will tell you which requirements are not met provide sufficient information to enable you to make an informed decisiondecision as to whether the product is suitable for your needs. As We will tell you if a sale is on a non-advised basis. Requests for cover or changes to your insurance are not effective until they are confirmed by us. We are part of the Global Risk Partners Limited (GRP) group which comprises a number of insurance intermediaries. We may sometimes approach other GRP group companies to provide quotes and may recommend their products if they are assessed to meet your needs. We will tell you if this is the case. No firms within the GRP group have any direct or indirect shareholdings in any insurers. It is our serviceaim to avoid any potential or actual conflicts of interest in our dealing with you, if a conflict does arise, we will assist advise you with of this in writing and obtain your permission before proceeding. This agreement will not prevent us from acting for other clients who may be competitors of yours. In the event that we identify such a conflict of interest in our providing any claim services to you need we will notify you as soon as reasonably practicable and where we are able to make and tell you what do so, agree how to continue to provide the services. Nothing in this agreement overrides or discharges our duty to place your responsibilities are in relation interests before all other considerations nor shall this agreement override any legal or regulatory requirements which may apply to making us prevailing from time to time regarding your insurance or reinsurance business or the handling of claims.

The Financial Conduct Authority. The Financial Conduct Authority T H March & Co Limited trading as T H March Insurance Broker is the independent watchdog that regulates financial services. Just 4 Landlords is a registered trading name of Maintenance Direct Insurance Services Ltd and we are authorised and regulated by the Financial Conduct AuthorityAuthority (FCA). Our FCA registration Register number is In entering into a credit agreement to pay your insurance premium308811. Our permitted business is introducing, you give the finance provider the legal right to cancel your insurance policy on your behalf advising, arranging, dealing as agent, assisting in the event that you default administration and performance of general insurance contracts, and credit broking (including supplementary debt- related administration) in relation to insurance facilities. You may check this on the loanFinancial Services Register by visiting the FCA website, and offset any refunded premium against the outstanding amount owed to them. 707133. You can check our status at xxxxx://xxxxxxxx.xxx.xxx.xx xxxxx://xxxxxxxx.xxx.xxx.xx/ or by contacting the FCA on 0800 111 6768. Our permitted business includes advisingrole is to advise you and make a suitable recommendation after we have assessed your needs, arrangingto arrange insurance as agreed, dealing and to represent your interests to insurers in the event of a claim as described below. If we arrange insurance for you but do not offer advice, we shall confirm this to you in writing. It is our policy to treat our customers fairly at all times. If you receive documentation electronically, you have the right to request a paper copy. Following an analysis of the market, we select insurance products from a limited range of insurers, which may vary according to the type of insurance contract. You can ask us for a list of insurers used for any particular type. For certain types we only deal with a single insurer and assisting with the placing & administration will advise you of General Insurance policiesthis when offering a quotation. If considered appropriate and for your benefit, we may use other insurance intermediaries to help us meet your insurance needs. We may recommend certain products that are branded in the name of T H March. Each of these is specially negotiated with a data controller particular insurer. These and our data protection officer is Xxxxx Xxxx. We act as your agent and some other products will collect data, including personal information and risk details, solely to enable us to obtain and provide insurance quotations, arrange and administer your insurance. Data collected be placed by us utilising binding authorities. In these circumstances we may be responsible for policy issue and some aspects of administration and claim settlement, in accordance with procedures and limits set by insurers and subject to their rigorous audit and control. When recommending these products we will continue to place your interests above all other considerations, but if that is contractualnot possible we will advise you of the conflict of interest. If you wish to use premium finance to spread your premium payment, and for our legitimate business interests as an insurance broker and we will be unable to acting as a credit broker. For any insurance placed at Lloyd’s of London, we only offer any quotation finance facilities with Premium Credit Ltd (PCL), an insurance premium finance company. If you require premium finance for insurance that we do not place at Lloyd’s of London, we will arrange the premium finance with either PCL or insurance if the insurer’s own finance arrangements, depending on which option is the most cost- effective for you refuse to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts. meets your information will be held securely by us and shared with insurers, and anyone else involved in the normal course of arranging and administering requirements for financing your insurance which could include reputable providers outside the EU, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agenciespremium(s). We will not give anyone else offer advice on the suitability of the finance. We will not in any personal information except circumstances act as an insurer, nor guarantee or warrant the solvency of any insurer or finance provider. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent. You must advise us immediately of all incidents, accidents or omissions, which may result in a claim against your insurance policy. You must do this whether or not you believe there is a liability on your instructions part to other parties. Any correspondence received by you concerning liability or authority, potential liability to others must be passed to us immediately without acknowledgement. Providing prompt information on incidents or where we accidents means that your insurers can take any steps that are required necessary to protect your interests; failure to do so may cause problems when handling your claim. Your T H March Insurance Broker is a trading style of T H March & Co Limited T H March & Co Limited is authorised and regulated by lawthe Financial Conduct Authority Registered Office: 00-00 Xxx Xxxxx, or London, EC1N 6RY. Tel: 000 0000 0000 Fax: 000 0000 0000 email: xxxxxxxxx@xxxxxxx.xx.xx website: xxx.xxxxxxx.xx.xx Registered in England No. 116175 insurance document gives details of whom to contact in the event of a claim. You must provide us with full details of your claim and we are likely to ask you to complete a claim form to pass to the insurer. We will employ due care and skill if we act on your behalf in respect of any claims. If our regulatory requirementsclaims department acts on behalf of the insurer in negotiating settlement of your claim, we will inform you of that when you notify us of the claim. Information about you and In such circumstances other persons from within our organisation will continue to act on your insurances behalf. Full details of these arrangements will be held while provided in the event of a claim occurring. We are dedicated to providing you with a high level of service at all times, but if you are not satisfied, please contact any of our staff. In the event that you remain dissatisfied and wish to make a complaint, you should contact: For Jewellers Block Insurances: The Managing Director, T H March & Co Limited, 00-00 Xxx Xxxxx, London, EC1N 6RY. Telephone 000 0000 0000 For all other insurances: Customer Services Department, T H March & Co Limited, Hare Park House, Xxxxxxxxx Business Park, Yelverton, PL20 7LS. Telephone 00000 000000 or email: xxxxxxxxxxxxxxxx@xxxxxxx.xx.xx If you are still not satisfied, you may refer the matter to the Financial Ombudsman Service (unless you are a client commercial customer with 10 or more employees or with a group turnover or balance sheet which exceeds €2 million, a trustee of a trust with a net asset value of £1m or more, or a charity with an annual turnover income of £1m or more). For more information on this, please refer to their website at www.financial- xxxxxxxxx.xxx.xx For any complaint involving an insurance purchased online through our website, you may also refer to the Online Dispute Resolution platform (xxxx://xx.xxxxxx.xx/odr). We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our financial obligations. This depends on the type of business and the circumstances of the claim. If you are eligible, compensation is available for a minimum insurance advising and arranging as follows: Cover for 90% of three years, and in certain circumstances up to six years, after expiry the claim with no upper limit. For compulsory classes of your policiesinsurance cover for 100% of the claim with no upper limit. Under the Data Protection Act data subjects have the right to see, and correct, personal Further information about them that we holdthe compensation scheme is available from the FSCS. Please write to our data protection officer at our usual office address if you wish to exercise your rights Telephone 0000 000 0000 (free phone) or have a complaint about our use of your data. O ur service We are an independent insurance intermediary, who acts on our customer’s and client’s behalf in arranging insurance, including assessing your insurance needs and arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. Although we will not provide you with advice, we will assess your needs through a series of questions and only offer cover that is consistent with your stated needs, which will be confirmed in a Demands and Needs statement. Where we do not have a policy which meets your stated needs, we will tell you which requirements are not met to enable you to make an informed decision. As part of our service, we will assist you with any claim you need to make and tell you what your responsibilities are in relation to making claims000 0000 0000 or xxx.xxxx.xxx.xx.

The Financial Conduct Authority. The Financial Conduct Authority T H March & Co Limited trading as T H March Insurance Broker is the independent watchdog that regulates financial services. Just 4 Landlords is a registered trading name of Maintenance Direct Insurance Services Ltd and we are authorised and regulated by the Financial Conduct AuthorityAuthority (FCA). Our FCA registration Register number is In entering into a credit agreement to pay your insurance premium308811. Our permitted business is introducing, you give the finance provider the legal right to cancel your insurance policy on your behalf advising, arranging, dealing as agent, assisting in the event that you default administration and performance of general insurance contracts, and credit broking (including supplementary debt- related administration) in relation to insurance facilities. You may check this on the loanFinancial Services Register by visiting the FCA website, and offset any refunded premium against the outstanding amount owed to them. 707133. You can check our status at xxxxx://xxxxxxxx.xxx.xxx.xx xxxxx://xxxxxxxx.xxx.xxx.xx/ or by contacting the FCA on 0800 111 6768. Our permitted business includes advisingrole is to advise you and make a suitable recommendation after we have assessed your needs, arrangingto arrange insurance as agreed, dealing and to represent your interests to insurers in and assisting with the placing & administration event of General Insurance policiesa claim as described below. If we arrange insurance for you but do not offer advice, we shall confirm this to you in writing. It is our policy to treat our customers fairly at all times. If you receive documentation electronically, you have the right to request a paper copy. When carrying out our role, we will be representing you unless we advise you in writing to the contrary. We are not under a data controller contractual obligation to deal with a particular insurer. If we carry out a fair and our data protection officer is Xxxxx Xxxxpersonal analysis of the market, we will inform you. If we do not undertake a fair and personal analysis of the market, we may either select insurance products from a limited range of insurers or a single insurer, which may vary according to the type of insurance. If we select from a limited number we will inform you of the names of the other insurers with whom we may and do transact business. If we deal with a single insurer we will advise you of this. If considered appropriate and for your benefit, we may use other insurance intermediaries to help us meet your insurance needs. We act as your agent may recommend certain products that are branded in the name of T H March. Each of these is specially negotiated with a particular insurer. These and some other products will collect data, including personal information and risk details, solely to enable us to obtain and provide insurance quotations, arrange and administer your insurance. Data collected be placed by us utilising binding authorities. In these circumstances we may be responsible for policy issue and some aspects of administration and claim settlement, in accordance with procedures and limits set by insurers and subject to their rigorous audit and control. When recommending these products we will continue to place your interests above all other considerations, but if that is contractualnot possible we will advise you of the conflict of interest. If you wish to use premium finance to spread your premium payment, and for our legitimate business interests as an insurance broker and we will be unable to acting as a credit broker. For any insurance placed at Lloyd’s of London, we only offer any quotation finance facilities with Premium Credit Ltd (PCL), an insurance premium finance company. If you require premium finance for insurance that we do not place at Lloyd’s of London, we will arrange the premium finance with either PCL or insurance if the insurer’s own finance arrangements, depending on which option is the most cost- effective for you refuse to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts. meets your information will be held securely by us and shared with insurers, and anyone else involved in the normal course of arranging and administering requirements for financing your insurance which could include reputable providers outside the EU, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agenciespremium(s). We will not give anyone else offer advice on the suitability of the finance. We will not in any personal information except circumstances act as an insurer, nor guarantee or warrant the solvency of any insurer or finance provider. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent. You must advise us immediately of all incidents, accidents or omissions, which may result in a claim against your insurance policy. You must do this whether or not you believe there is a liability on your instructions part to other parties. Any correspondence received by you concerning liability or authority, potential liability to others must be passed to us immediately without acknowledgement. Providing prompt information on incidents or where we accidents means that your insurers can take any steps that are required necessary to protect your interests; failure to do so by lawmay cause problems when handling your claim. Your insurance document gives details of whom to contact in the event of a claim. You must provide us with full details of your claim and we are likely to ask you to complete a claim form to pass to the insurer. We will employ due care and skill if we act on your behalf in respect of any claims. If our claims department acts on behalf of the insurer in negotiating settlement of your claim, or we will inform you of this. In such circumstances other persons from within our regulatory requirementsorganisation will continue to act on your behalf. Information about you and your insurances Otherwise, we will be held while representing you. We are dedicated to providing you with a high level of service at all times, but if you are not satisfied, please contact any of our staff. In the event that you remain dissatisfied and wish to make a complaint, you should contact: For Jewellers’ Block Insurances: The Chief Executive Officer, T H March & Co Limited, 00-00 Xxx Xxxxx, London, EC1N 6RY. Telephone 000 0000 0000 For all other insurances: Customer Services Department, T H March & Co Limited, Hare Park House, Xxxxxxxxx Business Park, Yelverton, PL20 7LS. Telephone 00000 000000 or email: xxxxxxxxxxxxxxxx@xxxxxxx.xx.xx If you are still not satisfied, you may refer the matter to the Financial Ombudsman Service (unless you are a client commercial customer with 10 or more employees or with a group turnover or balance sheet which exceeds €2 million, a trustee of a trust with a net asset value of £1m or more, or a charity with an annual turnover income of £1m or more). For more information on this, please refer to their website at www.financial- xxxxxxxxx.xxx.xx For any complaint involving an insurance purchased online through our website, you may also refer to the Online Dispute Resolution platform (xxxx://xx.xxxxxx.xx/odr). We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our financial obligations. This depends on the type of business and the circumstances of the claim. If you are eligible, compensation is available for a minimum insurance advising and arranging as follows: Cover for 90% of three years, and in certain circumstances up to six years, after expiry the claim with no upper limit. For compulsory classes of your policiesinsurance cover for 100% of the claim with no upper limit. Under the Data Protection Act data subjects have the right to see, and correct, personal Further information about them that we holdthe compensation scheme is available from the FSCS. Please write to our data protection officer at our usual office address if you wish to exercise your rights Telephone 0000 000 0000 (free phone) or have a complaint about our use of your data. O ur service We are an independent insurance intermediary, who acts on our customer’s and client’s behalf in arranging insurance, including assessing your insurance needs and arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. Although we will not provide you with advice, we will assess your needs through a series of questions and only offer cover that is consistent with your stated needs, which will be confirmed in a Demands and Needs statement. Where we do not have a policy which meets your stated needs, we will tell you which requirements are not met to enable you to make an informed decision. As part of our service, we will assist you with any claim you need to make and tell you what your responsibilities are in relation to making claims000 0000 0000 or xxx.xxxx.xxx.xx.

The Financial Conduct Authority. The Financial Conduct Authority WM Brokers Ltd is the independent watchdog that regulates financial services. Just 4 Landlords is a registered trading name of Maintenance Direct Insurance Services Ltd and we are authorised and regulated by the Financial Conduct AuthorityAuthority with FCA Register number FRN 301643. Our FCA registration number We are an Insurance Intermediary and our permitted business is In entering into a credit agreement to pay your insurance premiumarranging, you give the finance provider the legal right to cancel your insurance policy on your behalf advising, dealing as agent, making arrangements and assisting in the event that you default on administration and performance of general insurance contracts and pure protection contracts. We are also authorised to undertake the loan, and offset any refunded premium against the outstanding amount owed to them. 707133following consumer credit activities: Credit Broking. You can check our status at xxxxx://xxxxxxxx.xxx.xxx.xx this on the FCA’s register by visiting the FCA website xxxxx://xxxxxxxx.xxx.xxx.xx/ or by contacting the FCA on 0800 111 6768. Our permitted We generally provide advice on the basis of a fair and personal analysis of the market and can place business includes advising, arranging, dealing in and assisting with the placing & administration a range of General Insurance policies. We are a data controller and our data protection officer is Xxxxx Xxxxinsurers. We act as on your agent behalf in sourcing a suitable policy for you. For some specific cover types, we may only deal with a single insurer or a limited number of insurers and do not advise on the basis of a fair and personal analysis of the market. In these cases, we will collect dataadvise you of this and specify the insurers that we deal with for that type of cover. When providing advice in this way, including personal information and risk detailswe are not under a contractual obligation to conduct insurance distribution exclusively with these insurers. We may at times act on behalf of the insurer under a delegated authority agreement whereby we are able to quote or issue policy documentation on their behalf. Where we recommend a policy with an insurer where we act under a delegated authority agreement, solely we will advise you of this. If we use the services of another intermediary to enable us to obtain and provide insurance quotations, arrange and administer place your insurance. Data collected by us is contractual, and for our legitimate business interests as an insurance broker and we will advise you of the name of the intermediary we used and the name of the insurer. Your specific circumstances will dictate which of these bases is the most appropriate for you. The approach which we adopt, will be unable to offer any quotation or insurance if you refuse based on our knowledge of the market, the quality of an insurer’s policy terms and claims service and the insurer’s ability to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis definitive contract terms at inception of public interest, where these would affect the provision of cover and/or performance of insurance contracts. your information will be held securely by us and shared with insurers, and anyone else involved in the normal course of arranging and administering your insurance which could include reputable providers outside the EU, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agenciesinsurance. We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or our regulatory requirements. Information about you and your insurances will be held while you are a client and for a minimum of three years, and in certain circumstances up to six years, after expiry of your policies. Under the Data Protection Act data subjects have the right to see, and correct, personal information about them that we hold. Please write to our data protection officer at our usual office address if you wish to exercise your rights or have a complaint about our use of your data. O ur service We are an independent insurance intermediary, who acts on our customer’s and client’s behalf in arranging insurance, including assessing your insurance needs and arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. Although we will not provide you with advicea personal recommendation. In some circumstances, we will assess your needs through a series of questions and only offer cover that is consistent product may be offered to you on a non-advised basis with your stated needsno personal recommendation. We will, which will be confirmed in a Demands and Needs statement. Where we do not have a policy which meets your stated needshowever, we will tell you which requirements are not met provide sufficient information to enable you to make an informed decisiondecision as to whether the product is suitable for your needs. As part of our service, we We will assist you with any claim you need to make and tell you what if a sale is on a non-advised basis. Requests for cover or changes to your responsibilities insurance are in relation to making claimsnot effective until they are confirmed by us.

The Financial Conduct Authority. The Financial Conduct Authority T H March & Co Limited trading as T H March Insurance Broker is the independent watchdog that regulates financial services. Just 4 Landlords is a registered trading name of Maintenance Direct Insurance Services Ltd and we are authorised and regulated by the Financial Conduct AuthorityAuthority (FCA). Our FCA registration Register number is In entering into a credit agreement to pay your insurance premium308811. Our permitted business is introducing, you give the finance provider the legal right to cancel your insurance policy on your behalf advising, arranging, dealing as agent, assisting in the event that you default administration and performance of general insurance contracts, and credit broking (including supplementary debt- related administration) in relation to insurance facilities. You may check this on the loanFinancial Services Register by visiting the FCA website, and offset any refunded premium against the outstanding amount owed to them. 707133. You can check our status at xxxxx://xxxxxxxx.xxx.xxx.xx xxxxx://xxxxxxxx.xxx.xxx.xx/ or by contacting the FCA on 0800 111 6768. Our permitted business includes advisingrole is to advise you and make a suitable recommendation after we have assessed your needs, arrangingto arrange insurance as agreed, dealing and to represent your interests to insurers in the event of a claim as described below. If we arrange insurance for you but do not offer advice, we shall confirm this to you in writing. It is our policy to treat our customers fairly at all times. If you receive documentation electronically, you have the right to request a paper copy. Following an analysis of the market, we select insurance products from a limited range of insurers, which may vary according to the type of insurance contract. You can ask us for a list of insurers used for any particular type. For certain types we only deal with a single insurer and assisting will advise you of this when offering a quotation. If considered appropriate and for your benefit, we may use other insurance intermediaries to help us meet your insurance needs. We may recommend certain products that are branded in the name of T H March. Each of these is specially negotiated with a particular insurer. These and some other products will be placed by us utilising binding authorities. In these circumstances we may be responsible for policy issue and some aspects of administration and claim settlement, in accordance with procedures and limits set by insurers and subject to their rigorous audit and control. When recommending these products we will continue to place your interests above all other considerations, but if that is not possible we will advise you of the placing & administration conflict of General Insurance policiesinterest. If you wish to use premium finance to spread your premium payment, Providing prompt information on incidents or accidents means that your insurers can take any steps that are necessary to protect your interests; failure to do so may cause problems when handling your claim. Your insurance document gives details of whom to contact in the event of a claim. You must provide us with full details of your claim and we are likely to ask you to complete a claim form to pass to the insurer. We will employ due care and skill if we act on your behalf in respect of any claims. If our claims department acts on behalf of the insurer in negotiating settlement of your claim, we will inform you of that when you notify us of the claim. In such circumstances other persons from within our organisation will continue to act on your behalf. Full details of these arrangements will be provided in the event of a claim occurring. We are dedicated to providing you with a data controller high level of service at all times, but if you are not satisfied, please contact any of our staff. In the event that you remain dissatisfied and our data protection officer is Xxxxx Xxxxwish to make a complaint, you should contact: For Jewellers Block Insurances: The Managing Director, T H March & Co Limited, 00-00 Xxx Xxxxx, London, EC1N 6RY. We act as your agent and will collect dataTelephone 000 0000 0000 For all other insurances: Customer Services Department, including personal T H March & Co Limited, Hare Park House, Xxxxxxxxx Business Park, Yelverton, PL20 7LS. Telephone 00000 000000 or email: xxxxxxxxxxxxxxxx@xxxxxxx.xx.xx If you are still not satisfied, you may refer the matter to the Financial Ombudsman Service (unless you are a commercial customer with 10 or more employees or with a group turnover or balance sheet which exceeds €, a2trusmteie lof la itruostnwith a net asset value of £1m or more, or a charity with an annual turnover income of £1m or more). For more information and risk detailson this, solely please refer to enable us to obtain and provide insurance quotations, arrange and administer your insurance. Data collected by us is contractual, and for our legitimate business interests as their website at www.financial- xxxxxxxxx.xxx.xx For any complaint involving an insurance broker and purchased online through our website, you may also refer to the Online Dispute Resolution platform we will be unable to acting as a credit broker. For any insurance pl(hattcp:/e/edc.euraopta.euL/oldr)o. yd’s of London, we only offer any quotation or finance facilities with Premium Credit Ltd (PCL), an insurance premium finance company. If you require premium We are covered by the Financial Services Compensation Scheme finance for insurance that we do not place at Lloyd’s of(FSLCoS)n. Ydouomna,y beweentitlewd itolclompensation from the scheme if we arrange the premium finance with eciantnoht emreet oPurCfiLnancoialrobligtathiones. Tihnis sdeuprenedsro’n sthe toypwe nof finance arrangements, depending on which option is the most cost- effective for you refuse to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts. meets your information will be held securely by us and shared with insurers, and anyone else involved in the normal course of arranging and administering requirements for financing your insurance which could include reputable providers outside the EU, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agenciespremium(s). We will not give anyone else offer advice on the suitability of the finance. We will not in any personal information except circumstances act as an insurer, nor guarantee or warrant the solvency of any insurer or finance provider. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent. You must advise us immediately of all incidents, accidents or omissions, which may result in a claim against your insurance policy. You must do this whether or not you believe there is a liability on your instructions part to other parties. Any correspondence received by you concerning liability or authoritypotential liability to others must be passed to us immediately without acknowledgement. T H March Insurance Broker is a trading style of T H March & Co Limited T H March & Co Limited is authorised and regulated by the Financial Conduct Authority Registered Office: 00-00 Xxx Xxxxx, London, EC1N 6RY. Tel: 000 0000 0000 Fax: 000 0000 0000 e-mail: xxxxxxxxx@xxxxxxx.xx.xx website: xxx.xxxxxxx.xx.xx Registered in England No. 116175 business and the circumstances of the claim. If you are eligible, compensation is available for insurance advising and arranging as follows: Cover for 90% of the claim with no upper limit. For compulsory classes of insurance cover for 100% of the claim with no upper limit. Further information about the compensation scheme is available from the FSCS. Telephone 0000 000 0000 (free phone) or 000 0000 0000 or xxx.xxxx.xxx.xx. Insurances arranged at / / 2 < Payment for insurance is due immediately. We accept payment by cheque, debit or Mastercard or Visa cards, or where you may be able to spread your payments monthly using premium finance. For some products, we are also accept payment by annual direct debit. We will give you information about your payment options when we provide an insurance quotation. For any alteration to an existing policy, immediate payment is required to do so by lawupon receipt of our invoice. If payment is not received in accordance with our stated terms, or our regulatory requirements. Information about you and your insurances will be held while you are a client and for a minimum those of three years, and in certain circumstances up to six years, after expiry of your policies. Under the Data Protection Act data subjects have the right to see, and correct, personal information about them that we hold. Please write to our data protection officer at our usual office address if you wish to exercise your rights instalment or have a complaint about our use of your data. O ur service We are an independent insurance intermediary, who acts on our customer’s and client’s behalf in arranging insurance, including assessing your insurance needs and arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. Although we will not provide you with advice, we will assess your needs through a series of questions and only offer cover that is consistent with your stated needs, which will be confirmed in a Demands and Needs statement. Where we do not have a policy which meets your stated needs, we will tell you which requirements are not met to enable you to make an informed decision. As part of our credit service, we will assist take whatever steps we see fit in order to mitigate our position, which may include cancellation of your policy/policies. This would mean a part or all of any insurance claim would not be paid. We reserve the right to offset any unpaid premiums relating to a policy against any claims money payable to you or any other amount due to you. We normally receive commission from insurers or product providers and/or premium finance arrangements. Any commission will be paid out of the total premium and any finance charge payable by you. We may, however, agree a broker fee with any claim you need in advance. Where a broker fee is charged we will not normally receive commission from the insurance premium as well. In addition, a compliance administration charge will be applied to make and all policies. This will be calculated at 2% of the price of the insurance but will not exceed £15 per policy. Any quotation you receive will tell you what the total amount to be paid. Any charges/fees will be confirmed to you before your responsibilities insurance arrangements are concluded and will be detailed on any documentation. For some types of insurance we may receive additional commission based on the underwriting results of the insurer. In addition to commission received in relation respect of payments made by you, we may receive remuneration by way of administrative fees or commissions for services provided to making claimsinsurers. We do not accept any commissions or fees from any security services we may introduce you to.

The Financial Conduct Authority. The Financial Conduct Authority is the independent watchdog that regulates financial services. Just 4 Landlords Xxxx Xxxxxxx (Brokers) Ltd is a registered trading name of Maintenance Direct Insurance Services Ltd and we are authorised and regulated by the Financial Conduct Authority. Our FCA registration Register number is In entering into a credit agreement to pay your insurance premium, you give the finance provider the legal right to cancel your insurance policy on your behalf in the event that you default on the loan, and offset any refunded premium against the outstanding amount owed to them. 707133305499. You can check our status at xxxxx://xxxxxxxx.xxx.xxx.xx or by contacting calling the FCA on 0800 111 67680000 000 0000. Our permitted business includes advising, arranging, dealing in and assisting with the placing & and administration of General Insurance insurance policies. We are a data controller and our data protection officer is Xxxxx Xxxx. We act as your agent in obtaining quotations and will treat all your personal information as private and confidential to us and anyone else involved in the normal course of arranging and administering your insurance. We will collect data, including which will include personal information and risk details, solely to enable us to obtain and provide insurance quotations, arrange and administer your insurance. Data collected by us is contractual, and for our the legitimate business interests as an interest of effecting a contract of insurance broker and we will be unable to offer any quotation or for insurance if you refuse to provide certain personal data, including health, financial and criminal records data which is collected under the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts. your Your information will be held securely by us and shared with insurers, and anyone else involved in the normal course of arranging and administering your insurance which could include reputable providers outside the EUin other countries, to enable them to provide accurate terms and they will also obtain data about you and your insurance history from various insurance anti-fraud databases, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agencies. We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or by virtue of our regulatory requirements. Information about you and your insurances will be held while you are a client and for a minimum of three years, and in certain circumstances up to six years, seven years after expiry of your policies. Under the Data Protection Act 2018 all data subjects have the right to see, and correct, see personal information about them that we hold, although a charge of £10 may be made to cover our administration. Please write to our data protection officer at our usual office address if you wish to exercise your rights or have a complaint about our use of your dataaddress. O ur service We are an independent insurance intermediarybroker, who acts on our customer’s and client’s customers' behalf in arranging your insurance, including assessing . Our services include: advising you on your insurance needs and needs; arranging your insurance cover with insurers to meet your requirements requirements; and helping you with any ongoing changes you have to make. Although we will not provide you with advice, we will assess your needs through a series of questions and only offer cover that is consistent with your stated needs, which will be confirmed in a Demands and Needs statement. Where we do not have a policy which meets your stated needs, we will tell you which requirements are not met to enable you to make an informed decision. As part of our service, we will assist you with any claim you need to make and tell you what your responsibilities are in relation to making claims. We will not provide you with any advice in relation to policies purchased solely through our website and you will need to make your own decision on the suitability of any such product. Our Service in relation to the provision of Premium Finance We are authorised as a credit broker and lender. We will not provide any advice on the suitability of credit facilities to your needs. We may use providers who will conduct a credit check, which will be recorded on Your credit record. Please contact us if You do NOT consent to a credit check being undertaken, however this may affect our ability to offer instalment facilities to you. Please Note: Your policy cover will cease if You fail to keep up payments on an instalment agreement or premium finance facility related to it and your credit rating may be affected. In entering into a credit agreement to pay your insurance premium, you give the finance provider the legal Right to cancel your insurance policy on Your behalf in the event that you default on the loan and offset any refunded premium against the outstanding amount owed to them. This means that if you default on your payment terms and the finance provider requests that we cancel your policy, we will do so as your agent. Under the terms of our agreements with the Insurance companies with whom we place business, we receive premiums you pay to us as Agent of the Insurer. We do not pay any interest on premiums held by us while arranging and administering your insurance. We normally accept payment by cheque or most major credit/debit cards. You may be able to spread your payments through our own premium finance scheme, insurers' instalment schemes or a credit scheme, which we have arranged with an established insurance premium finance provider. However, rates and acceptance may be subject to a credit check. We will give you full information about your payment options and the appropriate finance agreement when we discuss your insurance in detail. We are covered by the Financial Services Compensation Scheme (FSCS). For Commercial customers with a turnover of less than £1m, insurance advising and arranging is covered for 90% of the claim, without an upper limit. All compulsory insurances (for example, motor insurance and employers' liability insurance), insurance advising and arranging are covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS. We usually receive a commission from the insurer with whom we place your business and, in addition we will make a charge of £20 for individual residential property owner policies or £50 for other policies to cover the administration of your insurance in arranging a new policy or a renewal. Also; in respect of: Mid term adjustments; we may charge a fee of £26 Mid term cancellations and other refunds are refunded NET of commission. We may, in addition, charge a £26 administration fee. Occasionally We may arrange a policy on which we earn no or insufficient commission for the work that we do for you and in these cases we will advise you of professional fee before you take the policy out. We may also make additional charges specific to the arrangement and servicing of certain policies, but these will always be advised to you in advance. What to do if you have a complaint Our aim is to provide a first class service, however, if you wish to register a complaint, please contact us by writing to The Manager, Xxxx Xxxxxxx (Brokers) Ltd, Xxxxx 00, Xxxxx Xxx, Xxxxx Xxx, Xxxxxxx XX00 0XX, xx, by phone Telephone 0000 0000000. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, for an independent assessment and opinion. The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Further information is available on their website www.financial- xxxxxxxxx.xxx.xx. The ombudsman service is available to organisations with a turnover of under £6.5m, employ fewer than 50 staff or has a balance sheet of less than £5m Cancellation of this Agreement This agreement will remain in force unless cancelled by either party in accordance with the terms below or you have no insurance business placed through us. You may cancel the agreement at any time, subject to notification in writing to our usual office address. In the event of cancellation, we shall be entitled to retain any commissions and fees earned prior to the date of cessation of the agreement in full. We have the right to cancel this agreement subject to one month notice in writing to your last notified address.

The Financial Conduct Authority. The Financial Conduct Authority Creative Risk Solutions Ltd is the independent watchdog that regulates financial services. Just 4 Landlords is a registered trading name of Maintenance Direct Insurance Services Ltd and we are authorised and regulated by the Financial Conduct AuthorityAuthority (FCA), which is an independent body established by the UK Government to regulate the financial services industry. Our FCA registration number is In entering into a credit agreement to pay your 464390. Our permitted business area is arranging and advising on non-investment insurance premium, you give the finance provider the legal right to cancel your insurance policy on your behalf in the event that you default contracts. This information can be checked on the loan, and offset any refunded premium against the outstanding amount owed to them. 707133. You can check our status at xxxxx://xxxxxxxx.xxx.xxx.xx Financial Services Register or by contacting the FCA on 0800 111 6768. Our permitted business includes advising0845 606 1234 Creative Risk Solutions Ltd will: Act fairly and reasonably when dealing with our clients Make sure that information provided is clear, arrangingfair and not misleading Give adequate explanation to enable clients to make informed decisions Ensure our service meets FCA requirements Handle claims and complaints fairly and promptly Identify and deal with conflicts of interest in accordance with our established procedures In arranging general insurance, dealing in we act on your behalf as an independent insurance intermediary and assisting with the placing & administration of General Insurance policiesact as your agent. We are a data controller subject to the law of agency, which imposes various duties on us. However, in certain circumstances we may act for and our data protection officer is Xxxxx Xxxxowe duties of care to other parties. We act will advise you when these circumstances occur so you will be aware of any possible conflict of interest. In relation to the general insurance products we offer, we may provide advice, or information: On the basis of a fair analysis of the market; or From a limited number of insurers; or From a single insurer. Where we offer products from a limited range of insurers, or a single insurer, we will advise you and if asked we will provide you with a list of the insurer(s). We will advise and make a recommendation for you after we have assessed your demands and needs. This will include the type of cover you seek together with the costs. This statement may be incorporated within other insurance documentation. If you request or require immediate cover, we can give you this information orally, however, we will still provide you with the statement immediately after conclusion of the insurance contract. Upon receipt of your instructions we will place insurance with your chosen insurers and keep you informed of the progress of our negotiations. We will assist you in the administration of your insurance contracts or as otherwise separately agreed in writing. We will explain to you the main features of your agent and insurance contracts. In accordance with your instructions we will collect datarenew your insurance contracts. We check the financial strength of the insurers with whom we place business by reference to appropriate published Insurer Credit Ratings. However, including personal information and risk detailsit should be noted that the claims-paying ability of even the strongest insurers can be affected by adverse business conditions. Therefore, solely we cannot guarantee the solvency of any insurer or underwriter We will advise you of any inability to enable us to obtain and provide insurance quotations, arrange and administer place your insurance. Data collected These are our core services. At your request, you may speak to a Chartered Insurance Broker. We are usually remunerated by us is contractualbrokerage, and for our legitimate business interests as an insurance broker and we will be unable to offer any quotation or insurance if you refuse to provide certain personal data, including health, financial and criminal records data which is collected under a percentage of the lawful basis of public interest, where these would affect the provision of cover and/or performance of insurance contracts. your information will be held securely premium paid by us and shared with insurers, and anyone else involved in the normal course of arranging and administering your insurance which could include reputable providers outside the EU, to enable them to provide accurate terms and they will also obtain data about you and your allowed by the Insurer with whom the insurance history from various insurance anti-fraud databasesis placed. Alternatively, such as the Claims and Underwriting Exchange (CUE) as well as publicly available websites and credit referencing agencies. We will not give anyone else any personal information except we may act on your instructions or authority, or where we are required to do so by law, or our regulatory requirements. Information about you and your insurances will be held while you are a client and behalf for a minimum of three years, and in certain circumstances up to six years, after expiry of your policies. Under the Data Protection Act data subjects have the right to see, and correct, personal information about them that we hold. Please write to our data protection officer at our usual office address if you wish to exercise your rights or have a complaint about our use of your data. O ur service We are an independent insurance intermediary, who acts on our customer’s and client’s behalf in arranging insurance, including assessing your insurance needs and arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. Although we will not provide you with advice, we will assess your needs through a series of questions and only offer cover that is consistent with your stated needsfee, which will be confirmed disclosed to you before the policy is concluded. This may be instead of or in a Demands and Needs statementaddition to any brokerage payable. Where we act for a fee, unless otherwise agreed with you, this will normally relate to the initial placing of the insurance and subsequent maintenance of the policy until renewal. Should you request a material mid-term adjustment or series of adjustments to your insurance or an exceptional claim incident occurs we may seek to negotiate an additional fee with you at the time. In addition to client fees and/or brokerage payments we may receive remuneration from insurers reflecting the aggregated income and or profitability of our entire account with them. In all such circumstances, our duty to act in the best possible interests of our customers remains paramount. In addition to brokerage or an agreed fee basis of remuneration we may also receive benefit from income that is receivable from premium financing companies calculated by reference to the total volume of premiums financed. We will, if requested, disclose the amount of any commission being earned. If the exact amount cannot be confirmed, the basis for calculating such figures will be disclosed. Brokerage commissions and fees for bringing about or arranging the insurance are considered fully earned when the insurance incepts, irrespective of when the premium for the insurance is payable to the Insurers and/or when any fees/commissions are payable to us. Fees/commissions are not refundable in the event of return premiums being allowed by Insurers after inception of the policy be that through cancellation, early termination of the policy or any other reason. We normally accept payment by bank transfer, cheque, debit or credit card. However, you may also be able to spread your payments through instalments or a credit scheme. There will usually be a charge for paying by instalments and full details will be provided if you select this option All policy premiums are to be paid by inception or renewal date unless specifically agreed in writing by us. All premiums paid to us, together with any premiums returned to us by insurers, are held by us in a separate Non-Statutory Trust account designated as a client account in accordance with FCA rules. A copy of the Deed of Trust is available on request In most cases, our financial arrangements with insurance companies are on a ‘risk transfer’ basis, which means that we hold premiums and refunds on behalf of the insurer i.e. the risk is transferred to the insurer and the premium is deemed to be in the insurer’s possession. You will be notified in cases where ‘risk transfer’ does not apply In the case of some transactions, client money may pass through other authorised intermediaries before the insurer receives it Failure to comply with our credit terms may invalidate your insurance Your insurance is based upon the information provided to the insurance company. Under the terms of the Act, before a contract of insurance is entered into you must make to an insurer a fair presentation of the risk – a fair presentation of the risk is one in which the information must be presented in a way which would be reasonably clear and accessible to a prudent insurer. A fair presentation of the risk requires clear and accessible disclosure, without material misrepresentation, of every material circumstance which the insured knows/ought to know; Or, failing that, sufficient information to put a prudent insurer on notice that it needs to make further enquiries to reveal those material circumstances What must actively be disclosed: Knowledge of senior management; knowledge of the insurance team (including broker); information which would be revealed by a reasonable search. Insurer remedies for breach: If the breach was deliberate or reckless, the insurer can avoid the contract from inception and can keep the premium. The insurer must prove that the breach was deliberate or reckless. If the breach was not deliberate or reckless, then there are a number of options available to the insurer if they wish to impose a remedy. More than one remedy can be applied - the insurer must show that they would have acted in that way if the breach of duty had not occurred. If the insurer would not have written the risk if it had known the information which has come to light, then it can avoid the contract but it has to repay the premium. If the insurer would have charged a higher premium, then it can proportionately reduce any claims payments. If the insurer would have included new terms, or imposed different terms other than with respect to premium such as conditions / warranties, exclusions, different extensions, sub-limits etc., the contract is to be treated as if it had been entered into on those terms. Unless you are a Consumer (an individual buying insurance wholly or mainly for purposes unrelated to your trade, business or profession) you must disclose to insurers, before the setting up or renewal of your contract is concluded, any fact or circumstance which is known to you (or which after enquiry 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 an insurer in fixing the premium, setting the terms or determining whether they would take the risk. If you are uncertain whether a fact is material, you should disclose it. If you are a Consumer you must take reasonable care to answer all questions fully and accurately. Once cover has been arranged, you must immediately notify us of any changes to the information that has been provided to your insurers. Material Facts are matters or information which may influence your insurer as to the acceptability or otherwise of your risk and the terms your insurer may require. They must be disclosed at the earliest opportunity and certainly at each renewal and also throughout the life of a policy. If you are in any doubt as to whether any information constitutes a Material Fact, you must disclose it to us or your insurer. If any document is completed in whole or in part on your behalf, it is your responsibility to check that the answers given are true and complete. You are advised to keep copies of any correspondence or documentation sent to us for your own protection. Please do consult us if you are in doubt on any aspect. All statements and facts disclosed on proposal forms, statement of facts, claim forms and other documents must, to the best of your ability, be full, true and accurate. Where forms are completed on your behalf you must check them for accuracy and completeness before signing them. You must always read the declaration and make sure you understand it before you sign. It is important that you understand that any information, statement or answer provided by you, to us or your insurer, is your responsibility and must be correct. Your attention is particularly drawn to the importance of the declaration and signature on any insurers’ proposal form or Statement of Fact as any failure to disclose facts material to the insurance or any inaccuracies in your answer may invalidate your insurance cover in part or in its entirety. Awareness of Policy Terms When a policy is issued you should read it carefully, as it is that document including the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased. You should keep all policy documents for as long as a claim is possible under the policy. If you are in doubt over any of the policy terms or conditions, please seek our advice promptly. In particular, please watch for and be totally aware of any exclusions and/or warranties which have been applied to your insurance, as failure to comply with them may invalidate your cover Renewal We will contact you well in advance of renewal to discuss your requirements. If your premium is payable by monthly Direct Debit, we may (but accept no responsibility to) renew your policy automatically for your protection. Your new monthly payment will be collected on the usual due date. However, if you do not have wish to renew, please tell us at least 7 days prior to renewal date Cancellation Your insurance contract may include a cancellation clause. A cancellation clause is mandatory for retail policies. You should make any request for the cancellation of a policy which meets in writing and any relevant Certificate of Insurance should be returned to us or to the insurer concerned if required to do so. In the event of cancellation, charges for our services will apply in accordance with the Tariff of Fees attached. The terms of your stated needs, we policy may allow insurers to retain the premium in full or to charge short period premiums in the event of cancellation. Time on Risk / Short Period Charges If you cancel your insurance in the first year with a new insurer it is very likely that they will tell charge what is known as short period rates. This will mean that the percentage of premium charged will be greater than the percentage of lapsed time. You should ensure that you which requirements understand the total charge being made before you cancel any existing insurance policy. Some classes of business require minimum & deposit premiums. This means that the amount charged is the minimum premium underwriters will accept for the risk and there will be no return premium for early cancellation. It also means that whilst these policies are not met to enable you to make an informed decision. As part of our service, we will assist you with any claim you need to make adjustable and tell you what your responsibilities are in relation to making claimsadditional premiums may be payable no return premium is allowed below the specific minimum & deposit.