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We normally accept payment by guaranteed cheque ,bankers draft, postal orders, cash
,Visa or Master Card credit cards. We can also accept payment by Switch,Solo or
Visa Electron debit cards. |
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You may be able to spread your payments through insurers instalment schemes or a
credit scheme, which we have arranged with a finance provider. We will give you
full information about your payment options when we discuss your insurance in detail.
Devon Direct Insurance Services Ltd holds a consumer credit Licence (No 552043)
under the Consumer Credit Act 1974. Any money received from you is held by us as
agents for the insurers, we do not hold client money. |
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3. Commission |
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Commission is that part of the premium, included in the quotation, which covers
our operating costs and profit. This includes staff salaries, establishment, computer
systems and all other day to day expenditure. This sum which is a variable percentage
of the premium, is collected by ourselves by deduction from the quoted premium which
you pay to us, and is not invoiced separately. Please note that once the policy
has been set up in accordance with your instructions, we will retain the commission
due and any administration costs regardless of any specific changes or cancellation
requests, even if you cancel the policy prior to cover taking effect. |
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4. Customer Protection Information: Complaints Procedure |
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It is our intention to provide you with a high level of customer service at all
times. If you should wish to make a complaint about our service , we have a formal
complaints procedure. In the first instance you should contact us in writing or
by telephone , fax or at our e-mail address. Please address your complaint to the
Customer Service Director. We will then acknowledge receipt of your complaint in
writing, within 5 working days and advise you of the name of our representative
who will be dealing with your complaint. We aim to have a final response to your
complaint sent to you in writing, within 20 working days. Individual insurers also
have there own complaints procedures and these can be found in their individual
policy booklet. |
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5. Customer's duty to give information |
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It is your responsibility to provide complete and accurate information to insurers
when you take out your insurance policy , throughout the life of the policy and
when you renew your insurance. It is important that you ensure that all statements
you make on proposal forms, claim forms and other documents are full and accurate.
Please note that if you fail to disclose any material information to your insurers,
this could invalidate your insurance cover and could mean that part or all of a
claim may not be paid. |
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6. Completion of Proposal Forms |
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It is essential that all answers given are accurate and complete. You are urged
to read through, understand and verify all details given before signing the form.
This is especially important if the form has been completed by someone on your behalf
or if it is computer generated. Insurers reserve the right to withhold payment of
a claim or to impose extra terms or premium if inaccurate or misleading information
is given. If you have any doubt at all as to what constitutes relevant facts or
information then it must be disclosed on the proposal form. We cannot accept any
responsibility for your failure to include such information even if you have verbally
advised a member of our staff or were under the impression we already knew or thought
you should be asked specifically. It is your absolute responsibility to affirm the
written details shown. |
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You are also advised to thoroughly check the terms and conditions imposed by the
insurer and which are set out in their proposal forms before signing. Insurers reserve
the right to alter premiums or refuse cover if the details on the proposal form
differ form those originally provided at quotation stage. |
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7. Withholding documentation |
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We may keep certain documents such as your insurance policy documents or certificate
while we are waiting for full payment of premiums or administration charges. |
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In these circumstances we will ensure you receive full details of your insurance
cover and will provide you with any documents which you are required to have by
law. |
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8. Cancellation |
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If you wish to cancel your policy we advise that in the first instance you call
our office as you maybe due a refund as long as no claims have been made against
your policy. You must then return your policy document or a declaration that these
have been lost together with a letter confirming your cancellation request BEFORE
we can cancel your policy. Cancelling your Direct Debit does NOT cancel your policy.
If you do not pay in full for the time you have had on cover a debt recovery agency
may be used to recover any losses. Any costs incurred will be added to your debt.
Policy add-ons such as Claims Assistance or Breakdown policies run concurrently
with the main policy and cannot be cancelled and therefore, no refund of premium
is possible. |
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9. Confidentiality |
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All personal information about you will be treated as private and confidential.
We may use information we hold about you to provide information to you about other
products and services which we feel may be appropriate to you. Under the Data Protection
Act 1998 you have the right to see personal information about you that we hold in
our records. |
The offer is subject to the following restrictions:
