Terms of Business and Important Information

The Financial Conduct Authority is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

Devitt Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 312328. You can check this on the Financial Services register by visiting the FCA’s website http://www.fca.org.uk/register.

We can act both as agent of the Insurer and on your behalf. Unless we tell you otherwise, we are acting on your behalf. Depending on the type of insurance purchased we either offer policies from a limited number of insurers or a single insurer as detail below:

Insurer	Product(s)
Ageas Insurance Ltd	Motorcycle, Car, Home and Van
Aviva Insurance Ltd	Motorcycle and Home
AXA Insurance UK Plc	Motorcycle, Car, Van and Motorhome
Covea Insurance Plc	Car and Household
Financial and Legal Insurance Company Limited	Home Legal cover
Europa Insurance	Motorcycle
Highway Insurance Company Ltd	Motorcycle, Motorhome and Van

Insurer	Product(s)
Legal & General	Home
Liverpool Victoria Insurance Company Limited (LV)	Car and Home
KGM Insurance	Motorcycle and Car
Novitas Insurance	Motorcycle
Sabre Insurance Company Ltd	Car and Van

Single Insurer	Product
Financial and Legal Insurance Company Limited	Legal Expenses Cover
Arch Insurance (UK) Ltd	Personal Accident Insurance
Arch Insurance (UK) Ltd	Personal Accident and Helmet and Leathers Insurance

Single or limited insurer/provider	Product
Arch Insurance (UK) Ltd	Personal Accident and Helmet and Leathers Insurance
Arch Insurance (UK) Ltd	Helmet and Leathers Insurance
RAC	Breakdown cover

You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to, and renew your policy.

If you provide incorrect or incomplete information then your insurer may cancel your policy, treat your policy as if it never existed, refuse to pay a claim or reduce the amount of any claim payment.

Please tell Devitt immediately to let your insurer know if there are any changes to the information set out in the proposal form/Statement of Fact, certificate of motor insurance or on the policy schedule.

Motor Insurance available on this website is underwritten from a panel of Insurers. You will be told which of these Insurer sis underwriting any particular quotation before you decide to purchase insurance.

If you purchase cover online you will not receive advice or recommendation from us. We will be acting on a ‘non-advised’ basis; this means that will offer you information about the features and benefits of our products and services so you can decide which of these best suits your requirements. We are acting as the agent of the insurer and this is why we will not be making a recommendation to you about which insurance you should select.

If you purchase cover offline, for the majority of quotations we will be acting on a ‘non-advised’ basis, this means that we will offer you information about the features and benefits of our products and services so you can decide which of these best suits your requirements. We are acting as the agent of the insurer and this is why we will not be making a recommendation to you about which insurance you should select. In limited circumstances we may act on an ‘advised’ basis which means that we will be making a recommendation as to the purchase of a specific insurance policy/cies based on information you have given us around your particular demands, needs and circumstances. In these circumstances we act as your agent in order to select appropriate cover from insurance markets, when acting on an advised basis this will be recorded under your Demands and Needs.

You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to, and renew your policy.

If you provide incorrect or incomplete information then your insurer may cancel your policy, treat your policy as if it never existed, refuse to pay a claim or reduce the amount of any claim payment.

Please tell Devitt immediately to let your insurer know if there are any changes to the information set out in the proposal form/Statement of Fact, certificate of motor insurance or on the policy schedule.

Motor Insurance available on this website is underwritten from a panel of Insurers. You will be told which of these Insurers is underwriting any particular quotation before you decide to purchase insurance.

You have a statutory right to cancel your policy within 14 days either from the day of purchase or renewal of the policy or the day on which you receive your policy or renewal documentation, whichever is the later. We will return any premium paid less our administration fee* and any charge for the number of days for which insurance cover has been provided. However, no refund will be due if a claim involving the total loss of your motorcycle has been made during that period. *Please refer to ‘Our Fees and Charges’.

After the 14 day cooling off period you can still cancel this policy at any time by letting us know. Provided that no claim has occurred in the current period of insurance, your insurer will calculate the premium for the period they have been insuring you and a rebate will be allowed in accordance with the scale shown in your policy booklet. We will return this premium less our administration fee, as outlined in ‘Our Fees and Charges’.

If your insurance is cancelled any optional extra policies will also be cancelled. If this occurs within the cooling off period a full refund of the premium will be allowed. If the policy is cancelled outside the cooling off period no refund will be allowed.

Most premiums may be paid by monthly instalments, subject to a deposit premium being paid by Credit or Debit card. Full details of the terms and conditions, interest and other charges together with details of the Consumer Credit Agreement will be provided if you elect to make this type of payment. Premium finance is provided by Devitt Insurance Services Limited.

For renewal premiums, when instalment payments are already being made, we will notify you of your renewal premium in advance of the renewal date and we will automatically continue to collect your instalments, unless you advise us otherwise. The first debit will be collected on the renewal date or the nearest working day thereafter. You will be advised of the service charge applicable within your renewal pack.

Where we hold details of the payment card used to purchase your insurance, you authorise us to charge this card for any payment due under this agreement that you fail to make on the due date. We will let you know prior to any collection.

If you are paying in full by credit/ debit card, for your convenience and protection, Devitt Insurance Services Limited will arrange for your policy to be automatically renewed. You should be aware that we are only able to guarantee automatic renewal when:

• you have already made us aware of any changes to your policy details
• your credit or debit card details previously supplied have not changed.

We will notify you of the renewal premium in advance of the renewal date and up to 7 working days before your renewal date we will collect your renewal premium by this method of payment, unless you advise us otherwise. We will be unable to automatically renew your policy if you have an unpaid balance or we have been unsuccessful in collecting the premium. Devitt Insurance Services Limited will charge the payment card held on record for each future renewal premium due.

You may inform us of any changes or opt out of automatic renewal at any time by contacting our Customer Service Department.

Where we hold details of the payment card used to purchase your insurance, you authorise us to charge this card for any monthly payment due which you fail to make on the due date and/or any outstanding amount following a cancellation or a change to your policy. We will let you know prior to any collection.

You agree that Devitt Insurance Services Limited may set-off a debit balance on an account with a credit balance held by you. Before we do this we will let you know.

The FCA rules are designed to protect you in the event that an insurance intermediary fails or is unable to transfer any premium money it has received from you to the insurer; or any premium refunds that it has received from the insurer to you.  We are governed by strict rules pertaining to such money, set down by the Financial Conduct Authority.

We act as agents for the Insurer for the collection and refund of premiums. This means premiums are treated as being received by the Insurer when received in our bank account and any premium refund is treated as received by you when it is actually paid over to you.  When you purchase insurance policies/products through us, and for any subsequent transactions, your insurer pays us a percentage commission from the total premium.

Payment in respect of a service that we provide to you in respect of any single contract of insurance may be made up of one or more of the following:

(a) brokerage/commission, which is a percentage of the total annual insurance premium paid by you and given to us by the insurers with whom we place your business; and

(b) administration charges, in addition to any insurance premiums and/or fees, for administration of your policy, including amending and cancelling any policy, details of these charges will be provided to you in advance of them being incurred.

We will always show you the total amount you need to pay which includes the premium due to the Insurer for your insurance cover, Insurance Premium Tax where applicable and the effect of our administration charge or any commission rebate. This may mean the net premium shown on your policy schedule will be different from the amount we charge you for the insurance cover.

These Fees are in addition to any changes levied by your insurer.

The table below shows our current fees and administration charges:

Type of transaction	Our administration charge	Additional information
Quotations	No charge
New business/Renewal administration fee	£20.00
Cancellation within the 14 day ‘Cooling off’ period	£0.00
Cancellation outside the 14 day ‘Cooling off’ period	£30.00
Mid-term changes	£35.00	If a mid-term change results in a refund out administration charge will automatically be deducted from this amount. No refunds under £10 will be made.
Duplicate documents	£25.00
Direct debit defaults and unpaid cheques	£27.50
Green Card Issue	£15
Misrepresentation or non- Disclosure	£100	This charge will apply if we have been instructed by your insurer to cancel your policy as a direct result of misrepresentation or non-disclosure by you at time of the quote and/or inception of the policy.

Please note fees and administration charges are not refundable. If we have given you a discount off your premium at inception, renewal or policy amendment this will be deducted on a pro rata basis from any refund due to you on cancellation.

To make a claim, telephone 0345 504 0347 or write to Devitt Insurance Services Limited, North House, St. Edwards Way, Romford, Essex RM1 3PP.

All of the Insurers we arrange insurance with are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

You can check this on the Financial Services Register by visiting the Financial Conduct Authority website at www.fscs.org.uk

We and your Insurers are covered under the Financial Services Compensation Scheme. Should a company be unable to meet all its liabilities to policyholders, compensation may be available.

Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk or by writing to the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Our aim is always to provide a first-class service. Should you feel the need to complain about our service please write to the Customer Satisfaction Manager, Devitt Insurance Services Limited, North House, St Edwards Way, Romford, Essex RM1 3PP.  Alternatively phone us on 0345 504 0585

If we are unable to resolve your complaint you may be entitled to refer it to the Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone No. 0300 123 9 123. Website at www.financial-ombudsman.org.uk

Lloyd’s of London Policyholders

If your complaint is against a Lloyd’s Insurer you may refer your complaint to Lloyd’s. Lloyd’s will investigate your complaint and provide a final response. Lloyd’s contact details are:

Complaints

Lloyd’s

One Lime Street

London EC3M 7HA

Email: complaints@lloyds.com

Telephone: 020 7327 5693

Website: www.lloyds.com/complaints

If you remain dissatisfied with Lloyd’s final response you may refer your complaint to the Financial Ombudsman Service.