Instant Business Insurance understands the issue regarding privacy on the Internet and as a result we will explain how we handle the information we receive through our website.
The technology we use collects information such as domains name, search engines used and keywords searched on and this information is collated to identify number of visits to our website and other such statistics for the purposes of improving our website and our marketing. This information will not be used for any other purposes.
However, you may wish to provide us with additional information to allow us to respond to your requests for further contact. Instant Business Insurance will not provide this information to any companies outside of the group. You will always be given the opportunity to say that you do not wish to receive further information.
Any information we collect via either of the methods stated above will be held for as long as necessary to conduct business relationships. It will be stored securely and you will have the right to access information held by us in respect of you, as instructed by Data Protection legislation.
If you have any questions or comments contact us via the contact details on our Contact page.
The material available on this website is designed to provide general information only. Whilst every effort has been made to ensure that the information provided is accurate, it does not constitute legal or other professional advice.
Instant Business Insurance or any of its subsidiaries cannot be held responsible for the contents of any pages referenced by an external link.
Terms of Business Insurance
Instant Business Insurance Broking is a trading style of Inman and Associates Ltd of 10, Mercia Business Village, Torwood Close, Westwood Business Park, Coventry, CV4 8HX is authorised and regulated by the Financial Conduct Authority (FCA). Our Firm’s Registration Number 543324. We are permitted to arrange, advise on, deal as an agent of insurers and assist in claims handling with respect to non-investment insurance policies. You can check these details on the FCA’s Register by visiting the FCA’s website http://www.fsa.gov.uk/register/home.do or by contacting the FCA on 0845 606 1234.
Providing information to your insurers
Your insurance is based upon the information provided to the insurance company.
For Consumers (individuals buying insurance wholly or mainly for purposes unrelated to their trade, business or profession) this means that you must take reasonable care to answer all questions fully and accurately. Once cover has been arranged, you must immediately notify us of any changes to the information that has been provided to your insurers. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid.
All other customers must disclose all ‘Material Facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of insurance. Failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid.
How to cancel
You may have a statutory right to cancel this insurance within a short period. Please refer to your policy summary or your policy document for further details. If you cancel you will receive a pro rata refund of premium from the insurer. We may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance.
If you wish to cancel outside this period you may not receive a pro rata refund of premium. We may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance.
Fees and charges
We receive commission from the insurers or product providers with whom we deal and also make a small charge for the administration of your insurance policy is detailed on the Policy Schedule.
It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact the partners at the above address or ring 02476 471 450. You may be entitled to refer it subsequently to the Financial Ombudsman Service. Further information is available at http://www.financial-ombudsman.org.uk/
How to claim
Please refer to your policy summary or your policy document if you need to notify a claim. You should contact the insurer direct as soon as possible using the contact details provided. If in doubt about who you should contact, please contact us on 02476 471 450.
Protecting your information
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 or with your consent in relation to administering your insurance, and except where law requires us. The FCA may ask us to provide it with access to our customer records in order that it may carry out a review of our activities.
Some or all of the information you supply to us in connection with your insurance proposal 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 partners at the above address.
Protecting your money
Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your insurance is treated as being paid for), or we hold it in a client bank account on trust for you. We may extend credit to other customers from this account and we may transfer your money to another intermediary in some cases. However your money will be protected at all times because of our requirements under the FCA rules. We also reserve the right to retain interest earned on this account.
By accepting these Terms of Insurance Business you are giving your consent for us to operate in this way.
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most Insurance contracts are covered for 90% of the claim, without any upper limit. Compulsory insurances (for example, motor insurance and employers’ liability insurance), are covered for 100% of the claim, without any upper limit Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting https://www.fscs.org.uk/