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Anthony Wakefield & Co. Ltd. Specialist Antique and Fine Art Insurance Brokers South House, South Street, Dorking, Surrey. RH4 2JZ Tel; 01 306 740 555; Fax; 01 306 740 770 Registered Address; 4, Guildford Road, Westcott, Dorking RH4 3NR Registered in England No 1756254 Authorised and Regulated by the Financial Services Authority No. 307545 Website- www.anthonywakefield.com A GUIDE TO YOUR INSURANCE, OUR RESPONSIBILITIES AND FOR COMPLETING A PROPOSAL FORM •  When you propose for Insurance and you find the premium and conditions acceptable, we shall normally be able to start the Insurance when you have completed a Proposal Form. In that case, your Insurance will be on the basis of the figures and information you provide and we agree. We will then send you confirmation of cover accordingly. The document we send you will be an outline of the cover that the policy provides, but it does not contain all of the terms and exclusions of the policy. If you so request, we will send you a copy of the standard policy wording in advance of cover, or, if it is already available on our website, you may be able to access it there. • If your Insurance includes the mandatory Employers' Liability cover for people or companies that employ (even on a casual basis), we will send you your Employers' Liability Certificate as soon as possible. This certificate must be displayed in a reasonably prominent position within your place(s) of business. If you require more than one certificate, please let us know. Remember that you will need to keep your certificate for the next 40 years, as various public authorities will be able to demand evidence of cover for this period. If you would like us to look after the Employers' Liability Certificates for you once your policy comes up for renewal, we are happy to keep them in a safe fireproof environment, backed up by scanning for a "one off" affordable fee. Do ask us for details of this. • When proposing for Insurance you should always make sure that the answers that you give to Insurers are both full and correct. If you misdisclose or conceal matters that might be material, Insurers can, if they wish, void your policy or refuse to pay your claim. There have been several legal interpretations of what is or is not material, but, as a rule of thumb, if a fact might cause an underwriter to offer you either no terms or enhanced terms for Insurance, then it is material. You will hold us harmless for your failure to disclose as above. • You may feel that you need help with some aspects of your Proposal Form. In that case, you should call us and we shall do our best to give you good guidance. However, you will always know and understand your business better than we do and we cannot be expected to provide expertise outside our field. • It is your responsibility to make sure that your Sums Insured are adequate. Generally speaking, the Sum Insured on Buildings must reflect the rebuilding cost and although there is some help from some Insurers in estimating this and also some assistance from the Association of British Insurers' website [www.abi.org.uk] in the form of a calculator for private premises, you should really obtain a professional view from a qualified valuer. Your Stock, Business Contents and other Sums Insured should be an accurate reflection of the basis of settlement offered by the policy. Limits of liability for Public Liability and Products Liability cannot be ascertained, but we consider that for most businesses, a limit of £2,000,000 is a sensible minimum, as things stand at present. Having said that, because of the way Liability Insurance is underwritten, you will not be able to increase your limit retrospectively in future years, if you are facing a claim relating to a current incident. Cover is available for higher limits than £2,000,000, but the choice must be yours. You will hold us harmless for all decisions you make in this regard. • Payment of premium is due immediately and must be paid before cover starts or renews. Normally you will make payment to us either by cheque or credit/debit card [other than Amex or Diners' Club]. Alternatively, some Insurers offer instalment schemes payable by Direct Debit. This makes your financial relationship with Insurers a direct one and we will not normally be able to assist you with questions relating to Direct Debit payments. • If you have not paid the renewal premium by the renewal date, your policy will no longer be in force and you will not be able to make any claims under it. • If you find out later that you already have Insurance in place (by mistake) for the risks that you are now proposing, at our discretion, we shall refund half of the applicable premium. There are three provisos. First, the other Insurance must be for a similar (but not identical) form and extent of cover, second, we shall only make this refund if the other Insurers agree to do the same and third, you may only claim for and during the existing period of Insurance. • Premium returns may not be made if you have had a claim before cancelling. • For your protection, we will hold premiums and claims monies received [if applicable] in accordance with Financial Services Authority rules in either a statutory or non-statutory account. No interest thereon earned by us in respect of each transaction shall be returned to you unless such amount exceeds £20. • New rules mean that if you feel that the policy you have bought or its renewal is inappropriate for your needs, you will have a "cooling off" period of 14 days from the start of the policy period. Providing that there have not been any losses during the 14 day period and you return all certificates and other documentation to us, we shall return your premium paid less an amount that is in proportion to the extent of the service already provided to you no later than 30 days from the date on which we receive your notice of cancellation. By exercising your right to cancel, you withdraw from the contract of Insurance as of the date of your notice. This right to cancel does not apply to policies where the activity or event being insured is of less than one month's duration. Your notice should be sent in writing to Anthony Wakefield & Co. Ltd. to the address below. • In all other cases, we shall be entitled to retain or recover our annual brokerage in full if you "double insure" or if cancellation of the policy is allowed by Insurers partway through the first period of Insurance. Please note that some policies are not cancellable by you as of right after the "cooling off" period. • All personal information about you shall 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 the law requires it. As part of the Financial Services Authority'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 will be held on computers or file servers and may be passed to other insurance companies for underwriting and claims purposes. • If you wish to claim under your policy, it is normally best for you to contact us. We shall then contact your Insurers or, in some cases [such as Glass Breakage] your Insurers may have a "Help Line" and that may be a more appropriate route for you to follow. OUR RESPONSIBILITIES TO YOU. • We are Independent Intermediaries, although for some forms of Insurance, we may only offer a quotation from one Insurer • Insurers pay us commission for the risks that we place with them. This reward that you indirectly pay to us is for performing the tasks of 1. Negotiating your Insurance 2. Correspondence with you and other parties relevant to the Contract of Insurance 3. Issuing or arranging for the issuing of your Policy Document or Certificate(s), Employers' Liability Certificate (if applicable), Endorsements noting policy changes, Premium Collection and dealing with straightforward claims. 4. If you require us to act outside these parameters above, we shall advise you in advance of doing the extra task(s) of the fee that we intend to charge. If you wish to instruct other parties at that stage, you are welcome to do so. • Although we seek to place your Insurance with Insurers of proven ability to pay and good financial standing, we cannot be held responsible for the financial failure of or composition arrangement entered into by any Insurers. IF YOU HAVE ANY QUESTIONS ARISING OUT OF THIS DOCUMENT, PLEASE CONTACT US WITHIN 15 DAYS OF ITS RECEIPT. OTHERWISE, YOU AGREE TO BE BOUND BY ITS CONTENTS. YOU CAN CONTACT US BY ANY OF THE FOLLOWING METHODS; 1. E-MAIL - info@anthonywakefield.com OR (PERSONS INITIALS; E.G. jw( FOR JOHN WAKEFIELD)@anthonywakefield.com 2. BY WRITING TO ANTHONY WAKEFIELD & CO. LTD., SUITE C, SOUTH HOUSE, SOUTH STREET, DORKING RH4 2JZ 3. BY FAX TO 01 306 740 770 Complaints. Although we always try to give the highest levels of service, we do appreciate that things can occasionally go wrong. If you are unhappy with our service, please contact us with details of what has happened. We shall;- • acknowledge your complaint within 2 working days of receipt • try to resolve the complaint within 5 working days • conduct an assessment of your complaint and respond to you Please note that some complaints require fuller enquiry than others. If this is the case, we shall contact you within 20 working days to give you an expected date of response. Alternatively or conjointly, you may refer your complaint to your Insurers, who will deal with it under their stated complaints procedure. If you feel that our response does not resolve your issue, you may refer the matter to the Financial Ombudsman Service at South Quay Plaza, 183, Marsh Wall, London, E14 9SR, however, the Ombudsman will only consider your complaint if, 1] you have referred the matter to us and/or your Insurers, 2] you are a private policyholder or a business with a group annual turnover of less than £1,000,000, a charity with an annual income of less than £1,000,000 or a trustee of a trust with a net asset value of less than £1,000,000. Providing you meet these criteria and we have not managed to resolve your complaint within 40 working days of your having made it, you may refer direct to the FOS. We are members of 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. Further information about compensation scheme arrangements is available at http:/ /www.fscs.org.uk/. ___________________ Please note that we are not permitted to accept pure telephone instructions. We shall normally ask you to give us written authority for any changes to your Insurance before acting on verbal messages. This is as much for your protection as any other party and we ask for your understanding in this regard. ___________________ Anthony Wakefield – Terms and Conditions for Online Purchases Only Please read these terms and conditions with care, since they form an important part of any contract between you and Anthony Wakefield & Company Limited and/or its Subsidiary Company, Connoisseur Policies Ltd. and Our Insurers. By using this site you are deemed to agree to be bound by these terms. Please also ensure that you have read the Key Facts or Policy Summary documents that relate to individual policies and the instructions on how to use this web site. Anthony Wakefield & Company Limited is an independent intermediary that acts as your agent. Connoisseur Policies Ltd. is a wholly owned Subsidiary and Appointed Representative of Anthony Wakefield & Company Limited. Anthony Wakefield & Company Limited is authorised and regulated by the Financial Services Authority. Our Insurers are authorised and regulated by the Financial Services Authority. We only recommend policies underwritten by members of our Panel of Insurers. Arranging Insurance Online In connection with buying insurance using this site you should be aware of the following stages in the process: You will be asked a series of simple questions and to agree to certain statements in relation to your policy. These are the questions which form the basis of the insurance and which you should answer truthfully. By clicking "Proceed with Cover" you declare that you wish to take out the cover provided by Our Insurers. You declare that you have read and understood the Key Facts or Policy Summary and give your explicit consent that the personal data you provide may be used by Anthony Wakefield & Company Limited, Connoisseur Policies Ltd. and Our Insurers for the purposes of your insurance. This includes underwriting, processing, claims handling and fraud prevention, which could involve passing details to agents of Our or other Insurers. You also declare that you understand that you are entitled to a copy of your personal data held by us or Our Insurers upon payment of a fee. Upon clicking on the relevant button to confirm that you wish to purchase insurance from us online you are authorising us to debit your credit or debit card with the amount of the premium due. We will notify you that the transaction has been completed. You will then be advised that your policy is effective. Until you have received confirmation that your policy is effective, you should not rely upon being covered by the insurance offered by this website. No policy is valid until the premium has been paid to and accepted by Anthony Wakefield & Company Limited or Connoisseur Policies Ltd. Status Disclosure Anthony Wakefield & Company Limited and Connoisseur Policies Ltd only provide information on policies provided by their Panels of Insurers. Financial Services Authority You may check the FSA's website for verification of the registered status of Anthony Wakefield & Company Limited and what the register number for Anthony Wakefield & Company Limited is. Disclosure of Material Facts Your attention is particularly drawn to the importance of the Declaration on the Insurer's proposal form. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate your cover. Please do consult us if you are in doubt on any aspect. The Service We Offer It is our intention to provide you with a high level of customer service at all times. However, if you do feel you have cause to be unhappy in any way with your insurance cover, in the first instance please contact the Customer Services Manager who will be pleased to assist you. A more formalised complaints procedure will be provided in your policy document or on request. Please note that we only arrange cover in the UK. If you are resident outside the UK you should contact an insurer in your own country. EMails Please note that there is no guarantee that any e-mail sent to this site will be received by Anthony Wakefield & Company Limited or that the message will remain confidential whilst being transmitted. Important Policy information On receipt of your payment your policy will be prepared immediately on line. If you decide that you do not wish to accept this policy, notify us within 14 days of policy cover and, provided no claims have been made, we will refund the premium. Copy Policy Documentation A copy of all our policy documentation is available on the web site. A hard copy is available on request. Insurance Premium Tax Insurance premium tax, as imposed by current legislation, will be incorporated into all premiums. About the information on our site Copyright All material on this site is proprietary to Anthony Wakefield & Company Limited and to Connoisseur Policies Ltd. and to their Licensors. Alll intellectual property rights arising in this site are reserved to Anthony Wakefield & Company Limited and to Connoisseur Policies Ltd. and to Our Insurers and to their Licensors. You may download information form this site for your own personal use but otherwise it may not be copied or reproduced except with our written permission. Accuracy of Information Whilst we make every effort to ensure that the information contained in this site is complete and accurate, we provide no warranty or guarantees regarding the availability or completeness or accuracy of this site or any site to which these pages connect. Where there are links from our site to other sites we give no implied approval or endorsement or comment as to the quality or contents of these other sites as we have no responsibility for any other site. We reserve the right to make amendments and changes to the information on this site or these terms and conditions at any time. Unless it is clearly indicated, the information provided on this site is not intended to be an offer by us to enter into a contract with you. A contract will be formed only after we have accepted your application and have confirmed to you that a contract has been entered into. Verifying information If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interests to contact us in order to verify. Disclaimer Anthony Wakefield & Company Limited and Connoisseur Policies Ltd. will not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information on this web site or lack of availability of the web site. International Enquiries The pages on this site are primarily directed at United Kingdom residents and comply with appropriate UK legislation and regulation. Non UK residents or citizens agree to abide by UK legislation and regulation. Governing Law This website and your use of it are governed by the laws of England and Wales and will be subject to the exclusive jurisdiction of the English court. Other terms and conditions regarding jurisdiction apply to the policy and you should refer either to the policy or to the policy summary for further details. This Site Uses Cookies A Cookie is a very small text file that our website saves to your computer’s hard disk to store information that you provide about yourself whilst you are purchasing a policy from our site or when you are logged into the Customer Administration area. This information is automatically removed from your system when you terminate your connection to our website. You have the ability to accept or decline Cookies using your browser settings. However, if you choose to decline Cookies, you will not be able to purchase a policy online or login to the Customer Administration area. Data Protection When we ask for any personal data, or give you the opportunity to supply such data, it is solely to provide the service or information you have requested. We may change our privacy policies from time to time, in which case we will post the changes on this page so that you are always aware of our policies. In addition to any personal data supplied by you, we may collect the following information: (a) Site visits. We collect information on the pages you access. This is then used to help up develop the design and layout of our sites. This includes information on the relative popularity of each page, the average number of pages accessed, the number of e-mails sent or files downloaded, and the average time spent on the site. None of this information is linked back to you as an individual. (b) E-mail addresses. If you supply an e-mail address to us, it is kept in confidence and used solely to answer your enquiry or to comply with your request. We retain the content of the form or e-mail, the e-mail address and our response. This enable us to retain an audit trail of our contact and provide you with the product, service or information you may have requested. Data Protection Act 1998: We are obliged to comply with the Data Protection Act 1998. Under this Act you are entitled to request a copy of the information we hold about you and if the details are inaccurate, you may request that we amend them. You should do so in writing, etc. Please note, under the Act we are entitled to charge a fee for any such request. Third party websites are not covered by our privacy policies. Data Protection Act In order to assess the terms of the insurance contract or administer claims that arise, we may need to collect data which the Data Protection Act defines as sensitive (such as criminal convictions). If you proceed with an application for insurance you will signify your consent to such information being processed by us. In accordance with the Data Protection Act 1998 I understand and give my explicit consent that the personal data I provide, including sensitive personal data, may be used for the purposes of my insurance by Anthony Wakefield & Company Limited's and by Connoisseur Policies Ltd.'s Panel of Insurers and by their connected companies, agents, subcontractors and other insurers as appropriate. I understand that I am entitled to a copy of my personal data held by Our Insurers upon payment of a fee. Information you supply may be used for the purposes of insurance administration. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer's compliance with any regulatory rules/codes. In assessing claims made insurers may also check against publicly available information such as the electoral roll, county court judgements, bankruptcy orders or repossessions. Credit Card Transactions The Consumer Credit Act (1974) also applies to transactions over the Internet. It limits your maximum liability on your credit card to £50, in the event of its loss or fraudulent use. Furthermore, all liability ceases completely once the credit card issuer has been notified of any loss or fraudulent use. END.