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Terms and Conditions

We are Independent Intermediaries who act as your agent and accept responsibility for the advice given and for arranging your insurance. We represent over 20 insurers and undertake to comply with the rules of the Financial Services Authority (FSA).

Please note that whilst an insurance is normally offered from a choice of insurers, the motor Legal Protection is a specially arranged scheme which at present is via A.I.M and underwritten by Groupama Insurance Company Ltd.

We will treat all of your personal information as private and confidential to us and anyone else involved in providing your insurance, even when you are no longer a customer. We will not give anyone else any personal information about you except; when you ask us or give us permission, if we have to because we are a member of FSA or if we have to by law.

Your attention is particularly drawn to the importance of the Declaration and Signature on the insurer's proposal forms. Any failure to disclose facts material to the insurance or any inaccurancies in your answers could invalidate cover. Please do consult us if you are in any doubt on any aspect.

Please note that all insurers supply details of insurance policies to a database to which the police and other insurers have access. This helps detect people who break the law by not taking out insurance and insurers to pursue claims following accidents and to check previous claims or cover history.

In addition to premiums charged by the insurer, we make the following charges to cover our professional fees and administrative costs for these specified activites in respect of motor and household insurance:-

Mid-term adjustments, New business/Policy and Renewels, £10.00. Replacement or lost Certificates, £10.00. Mid-term cancellations, 15% (or £10, whichever is the greater). Credit arrangements, £5.00 per instalment (not applicable to insurers own credit arrangements).

Claims When you notify us of an incident that might give rise to a claim under your your policy, we will advise you promptly of the insurers requirements concerning claims including the provission, as soon as possible, of information required to establish the nature and extent of a loss and any supporting documentation. We will notify you of any request for information we received from your insurers and we will forward any payment from insurers in respect of any claim to you without delay.

It is our intention to provide you with a high level of customer service at all times. However, if you feel you have cause to be unhappy in any way with our service, in the first instance contact John Flanagan who will be pleased to assist you. We undertake to acknowledge your complaint within five business days, advising who will be dealing with it and will respond to your complaint within 20 business days. If you remain dissatisfied, as part of our membership of the FSA you have the right to refer the matter to the Financial Ombudsman Service (FOS) at Sotuh Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone 0845 080 1800.

If your complaint relates to the terms of your policy, you should refer to the policy itself which will detail how you can make a complaint.

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Copyright 2015 Marsh Insurance Services
Authorised and Regulated by the Financial Conduct Authority under reference: 474741
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