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Birmingham: + 44 (0) 121 452 8450
London: + 44 (0) 207 983 9039
Leominster: + 44 (0) 156 831 3313
Kidderminster: + 44 (0) 1562 215215
Dudley: +44 (0) 1384 900500
Leicester +44 (0) 116 303 3372
insurance brokers Birmingham, insurance brokers London, risk management insurance brokers Birmingham, insurance brokers London, risk management insurance brokers Birmingham, insurance brokers London, risk management
Birmingham: + 44 (0) 121 452 8450
London: + 44 (0) 207 983 9039
Leominster: + 44 (0) 156 831 3313
Kidderminster: + 44 (0) 1562 215215
Dudley: +44 (0) 1384 900500
Leicester + 44 (0) 116 303 3372

Employee Benefits

Terms of Business Agreement

The purpose of this document is to set out our professional relationship and the services we will provide to you. For your own benefit and protection you should read the terms carefully. If there are any terms which you do not understand, please ask for further information.

Jobson James Consulting Ltd is an appointed representative of Jobson James Insurance Brokers Ltd which is authorised and regulated by the Financial Conduct Authority (‘FCA’) number is 516147 and you can check our permissions on the FCA’s website http://www.fca.gov.uk/register/home.co or by calling them on 0800 111 6768.

In the interests of security, staff training and to generally improve our service please be aware that telephone calls may be monitored and/or recorded. Please note we will tell you if any products and services offered are not regulated by the FCA.

1. Our service

We are an independent insurance intermediary and will act on your behalf in arranging your insurance requirements. However, in certain circumstances we may act for or owe a duty of care to other parties such as our insurer clients. We will advise you when these circumstances occur so you will be aware of any possible conflict of interest.

We offer a range of products and our service includes:

  • advising on and recommending insurance cover following an assessment of your demands and needs;
  • negotiating terms on your behalf with insurers;
  • providing you with sufficient information so you can make an informed decision as to which policy you want;
  • making arrangements with the insurer for your policy to start; and
  • helping you with any on-going changes you have to make and providing assistance should you need to make a claim.

Depending on the type of cover you require, we will either:

  • look at a range of insurers that is representative of the insurance market; or
  • select from a limited panel of insurers; or
  • offer you a contract from a single insurer.
  • We will confirm which one of these applies when we make our recommendation. A list of the insurers considered will be available on request. Please also note that we do not provide care or guarantee access to health services as an insurance intermediary. Please see the products and policy terms for a complete description of benefits, exclusions, limitations and conditions of coverage.

    2. Conflicts of Interest

    As independent insurance brokers we act as the agent of our client (you). We are subject to the law of agency which imposes certain duties on us. We also have proper regard for the interests of others, including insurers for whom we act. Where we become aware of any actual or potential conflict of interest we will inform you of the situation, the options available to you and obtain your consent before we carry out your instructions.

    3. How we are paid

    In most cases we are paid by commission from the insurer but in some circumstances, by mutual agreement, you will pay us a fee instead of commission or a combination of both. If you would like details of how much commission we may earn for arranging your policy, please let us know.

    If you make a change to your policy that results in a return of premium, or if you cancel a contract mid-term, we will retain and set off any commission or fee to cover administration costs. Details of any commissions retained will be specified to you at the time of the adjustment or cancellation and deducted from any return premium.

    4. Client money – We do not handle client money.

    All premiums should be made payable directly to the insurer. We never accept a cheque made payable to us unless it is in settlement of our charges or disbursements for which we have sent you an invoice note. We do not accept cash.

    5. Treating Customers Fairly

    We aim to provide our customers with an excellent customer service to ensure their healthcare insurance requirements are met and to deal with them in an open, honest and fair manner at all times.

    6. Cancellation Rights

    If you are a customer classified as a “consumer” (i.e. where you are acting for purposes outside of your trade, business or profession) you have the right to cancel your policy within fourteen (14) days of receiving your policy documentation. If you decide to cancel your insurance contract within this timeframe and you have not made a claim on the policy, you will receive a refund of any premium paid, less any reasonable costs incurred by the insurer in providing the cover.

    7. Complaints

    We are committed to providing our customers with a high standard of service but things can go wrong in any business. If for any reason we have not met your expectations please let us know by informing your usual contact or you can contact our complaints department on 0121 452 8450 or you can write to us at Complaints Department, Jobson James Insurance Brokers, 30 St Paul’s Square, Birmingham, B3 1QZ.

    If you are not happy with our response you may be eligible to refer your complain to the Financial Ombudsman Service (FOS). Full details of their service can be found at www.financial-ombudsman.org.uk or you can call them on 0800 023 4567.

    8. Compensation

    If we are unable to meet our obligations, you may be able to submit a claim to the Financial Services Compensation Scheme (FSCS). Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

    For full details and further information please contact the FSCS helpline on 0800 678 1100 or visit their website www.fscs.org.uk.

    9. Insurers

    It is our normal practice to assess on a regular basis the financial strength of the financial institutions that we introduce to our clients. This process involves monitoring the financial ratings applied by independent rating agencies such as Standard & Poor’s and Moody’s along with other publicly available information.

    The ratings applied to each firm are a reflection of the agencies’ views on the medium to long-term ability of each firm to meet its obligations to its policyholders. Where an insurer achieves or exceeds our minimum requirements we place it on our acceptable list.

    It should be noted that whilst we take every care to promote the strongest institutions, we are unable to guarantee the financial strength of any insurance company. Whilst we monitor the financial strength of the insurers with whom we place business, it should be noted that the claims-paying ability of even the strongest insurers could be affected by adverse business conditions. We cannot, therefore, guarantee the solvency of any insurer or underwriter. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent.

    10. Using personal information

    In supplying services to you we may share information about you with credit reference agencies and other companies for fraud detection and/or money laundering prevention.

    From time to time we may send you information about similar products or services offered by Jobson James Insurance Brokers Ltd and/or other companies within the Jobson James Group (of which we are a part) either by post, telephone or e-mail. If the product or service is offered by another company within the Jobson James Group, we may pass your contact details to them so they can contact you directly.

    If you would not like us, or any other company within the Jobson James Group, to send you this type of information or if you would like further information on how your information is used and your rights to access information we hold on you, please advise your usual contact or you can write to the Compliance Director at our office in 30 St Paul’s Square, Birmingham, B3 1QZ.

    Confidentiality of information

    To help make sure you receive a competitive quotation, offer of appropriate payment options, protection against fraud and to verify your identity, insurers may use publicly available data which they obtain from a variety of sources, including a credit reference agency and other external organisations. Their search will appear on your credit report whether or not your application proceeds.

    All information on our records relating to you will be treated as private and confidential and will only be disclosed to others such as our business partners, insurers, credit providers and other third parties who are directly involved in the normal course of arranging and administering your insurance. By accessing our sites and using our services, you consent to any such transfer of information to a third party.

    We may use the data we hold about you to provide you with information of products and services we consider may be appropriate. Please notify us in writing if you do not want to receive such information.

    We will not take instructions on your insurance arrangements from anyone else unless we have your prior written permission.

    Our retention of your personal information

    We will retain any personal information only for as long as is necessary to fulfil the business purpose it was collected. We will also retain and use your personal information for as long as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

    Under the General Data Protection Regulations which came into force 25th May 2018, you have the right to ask us for a copy of any personal information about yourself that we hold on our records. Please contact us if you require any more information. For further information on your rights under the General Data Protection Regulations please refer to the Information Commissioners Office – www .ico.org.uk.

    If you would not like us, or any other company within the Jobson James Group, to send you this type of information or if you would like further information on how your information is used and your rights to access information we hold on you, please advise your usual contact or you can write to the

    Compliance Director at our office in 30 St Paul’s Square Birmingham B3 1QZ

    11. Information and changes we need to know about

    Your Duty to Provide Information – Private Clients

    It is your duty to take reasonable care to answer all questions honestly and to the best of your knowledge. If you do not, your insurance policy may be cancelled or treated as if it never existed or your claim may be rejected or not paid in full. It is important that all statements you make on proposal forms claim forms and other documents are full and accurate. If a form is completed on your behalf, you should check that the answers shown to any of the questions are true and accurate before signing the document. Failure to provide requested information to your insurers could invalidate your insurance cover and mean that part or all of your claim may not be paid.

    Fair presentation of risk – Commercial Clients

    It is your statutory duty before entering into a contract of insurance, prior to an alteration and at renewal to make a fair presentation of the risk to be insured and to ensure that information is provided in a clear and accessible format. Once we have collated the information about the risk, copies of the information will be sent to you for checking. Every material circumstance known to you should be disclosed. We will expect you to make reasonable enquiries and proactively gather information however, where this is not practical you must make us aware, as your broker, that further enquiries are needed to accurately underwrite the risk. Any questions put to you in a proposal form or otherwise must be answered honestly, accurately and in good faith.

    12. Anti-bribery and corruption

    The parties agree that bribery, as defined under the Bribery Act 2010, is prohibited. It is therefore agreed that neither party will request, offer or provide any payment or other advantage, to or from any person, which in the absence of documentation to demonstrate otherwise, can be perceived as capable of influencing any person connected with the activities of either party to act improperly in contravention of the Bribery Act 200. It is also agreed that neither party will offer or provide payments or any other advantage to a government official or worker, in any country, with the intention to influence such official or worker in their capacity as such, and to obtain or retain a business advantage.

    13. Restriction of liability

    Except in respect of injury to or the death of any person resulting from our negligence (for which no cap on liability will apply), our liability to you for the services we provide shall not excess £5,000,000 in connection with any one event or connected events.

    14. Renewal

    Before your renewal date we will contact you about your renewal requirements by letter, telephone or e-mail. We may (but accept no responsibility to) arrange to renew your policy automatically. We do this for your protection. In circumstances where the insurer is unable to offer cover or instances such as a bank account no longer being active we may be unable to automatically renew your policy.

    If you do not wish us to take this action, please tell us before your renewal date. If we do not hear from you to the contrary, it will be deemed that you agree to this course of action.

    15. Termination of this contract

    This agreement may be cancelled by either party by giving 30days notice in writing to the other.

    16. Law & Jurisdiction

    These terms of business shall be governed and construed in accordance with English Law. In relation to any legal action or proceedings arising out of, or in connection with, these terms of business unless otherwise agreed we both irrevocably submit to the non-exclusive jurisdiction of the courts of England and Wales.