One-Sure Insurance Services' Terms & Conditions

One-Sure Insurance Limited, 205 High Street, Tunstall, Stoke on Trent, Staffordshire, ST6 5EG

Telephone: 0871 734 0140, Fax: 0871 734 0304

Who Regulates Us?

One-Sure Insurance is a trading style of ISure Direct Limited who is authorised and regulated by the Financial Services Authority (FSA). Our FSA register number is 447730, which allows us to offer Insurance services.

Our permitted business is advising, arranging, dealing as Insurance agents and assisting in the administration and performance of general insurance contracts.

You can check on the FSA's register by visiting the FSA's website or by contacting the FSA on 0845 6061234.

Our Insurance Services

One-Sure Insurance's role is to advise you and make suitable recommendations after we have assessed your insurance needs. In situations where we are able to arrange insurance for you but do not offer Insurance advice, we will confirm One-Sure Insurance's position in writing. One-Sure Insurance will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer.

• We select private car, commercial vehicle, motorcycle, household, travel, public liability, taxi, caravan, motor trade and commercial insurance from a limited range of Insurance insurers.
• We offer our legal expenses insurance products from Equity Redstar
• We offer our breakdown assistance insurance products from Europe Assist.

What You Pay One-Sure Insurance

One-Sure Insurance normally receive commission from insurers or product providers and make charges for handling your insurance as follows:

1. New business arrangement fee: Up to 40% of the insurer’s premium or £100, which ever is greater
2. Adjustment/policy alteration fee: Up to £35.00
3. Cancellation fee: £30.00
4. £5.00 Administration fee on any reminder letters sent by recorded delivery post
5. £5.00 Administration fee on any refunds issued
6. In the event of there being a rebate of premium on the Insurance policy it is our standard practice not to refund any commission.

One-Sure Insurance will notify you of the total premium payable, including any fees, taxes and other charges separate from the premium, prior to the conclusion of your insurance contract.

Handling Client/Insurer Money

One-Sure Insurance collect and hold money as agents of the insurance undertaking (Risk Transfer).

Insurance Cancellation

If you wish to cancel your Insurance policy, you must confirm the request in writing and return any relevant Insurance certificates of insurance. Cancellation of Insurance may be enforced upon you, should you fail to comply with all reasonable requests for any outstanding documentation/payment. A charge of up to £30.00 will be levied against all Insurance policies unless you are replacing your Insurance policy through our Insurance agency. No fees previously charged by us will be refundable. In addition to the charges levied by One-Sure Insurance, the terms of your Insurance policy may allow insurers to retain the Insurance premium in full or to charge short-period Insurance premiums in the event of cancellation. Please note that we do not provide any refund for any legal expenses products sold. You will be required to pay any debit balance. If you fail to settle a debit balance promptly, we will then use any credit/debit card details that you have previously authorised us to use, in order to settle the balance.

Complaints and Compensation

It is One-Sure Insurance's intention to provide you with the highest level of customer service at all times, however, if you are not satisfied, please contact our Insurance Complaints Officer Mr Christopher Lear:

• In writing: Complaints Dept, One-Sure Insurance, 205 High Street, Tunstall, Stoke on Trent, Staffs, ST6 5EG
• By Telephone: 0871 734 0140
• By Fax: 0871 734 0304
• By E-mail: Complaints Department

If you still remain not satisfied, you may refer the matter to the Financial Ombudsman Service.

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of insurance, size of business (if a commercial customer) and the circumstances of the claim. Further information about the compensation scheme is available from the FSCS.

Conflicts of Interest

Occasions can arise where one of One-Sure Insurance's associated companies, clients or product providers will have a conflict of interest with business being transacted for you. If this happens and we become aware that a potential conflict exists, One-Sure Insurance will write to you and obtain your consent before One-Sure Insurance carry out your instructions, and detail the steps we will take to ensure fair treatment.

What are Your Responsibilities?

It is your responsibility to provide complete and accurate information, which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out an Insurance policy, making a mid term alteration and at renewal, but also applies throughout the life of the Insurance policy. If you fail to disclose any material fact or other information material to the insurance this could invalidate the Insurance policy and mean that claims are not paid. You should check all details on any Insurance proposal form or statement of facts and pay particular attention to any declaration you may be asked to sign.

You should read all insurance documents issued to you and ensure that you are aware of the Insurance cover, limits and other terms that apply. Particular attention should be paid to any warranties and conditions as failure to comply with them could invalidate your Insurance policy. You should take a note of the required procedures in the event of an Insurance claim, which will be stated in the Insurance policy documentation. Generally insurers require immediate notification of an Insurance claim or circumstances that might lead to an Insurance claim. You should inform us immediately of any circumstances that may affect the services provided by One-Sure Insurance or the Insurance cover provided by your Insurance policy.

If you are unsure about any matter then please contact us for further guidance.

Termination of Authority

You may terminate your Insurance contract within 14 days from the conclusion of the Insurance contract without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed accordingly to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transactions of adjustments effective prior to termination and we will be entitled to retain any fees or brokerage payable in relation to Insurance policies placed by One-Sure Insurance prior to the date of termination.

Confidentiality of Personal Data

All personal data is treated by One-Sure Insurance as confidential and is processed in accordance with the relevant legislation. One-Sure Insurance will not use or disclose personal information without your consent, other than in the normal course of arranging and administering your insurances, except where we are compelled by law (including regulators or law enforcement agencies) to disclose such information. In such instances personal information held by One-Sure Insurance may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to such third parties.