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| Terms
of Insurance Business > |
| GK Group Ltd,
Chatsworth Road, Chesterfield S40 2BJ, is authorised and regulated by the
Financial Services Authority (Reg No.308624). You can check this on the
FSA's Register by visiting the website
www.fsa.gov.uk/register or by contacting the FSA on 0845
606 1234. We arrange and advise on relevant insurance products, deal as an
agent of insurers, which includes holding money for them, and may be able to
assist in claims handling on behalf of customers. This is done through a
limited number of insurers and you may request a copy of the list of all the
insurance undertakings we have agreements with. Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer's decision to accept and pay a valid claim are disclosed. Failure to disclose material information may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid. All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request, with your consent, in relation to administering your insurance or where law requires us. As part of the FSA's duties, we may be asked to provide them with access to our customer records in order that they may carry out a review of our activities. Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to other insurance companies for underwriting and claims purposes. Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Quality Manager at the above address. Where a fee or charge is payable, you will be advised before you commit to it. If you need to make a claim please refer to your policy schedule. It is our intention to provide a high level of service at all times. If, however, you have reason to make a complaint about our service you should contact the Quality Manager. Your complaint will be acknowledged within five business days. If it is not possible to respond to your complaint within four weeks we will advise you of our reasons in writing, and within eight weeks we will advise you of when you may expect a final response. You are entitled to reasons whether or not your complaint is valid. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Further information about this is available on their website at: www.financial-ombudsman.org.uk We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our insurance obligations. This depends on the type of business and the circumstances of the claim. The scheme covers 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at: www.fscs.org.uk |
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