Specialist Antique and Fine Art Insurance Brokers
South House, South Street, Dorking, Surrey RH4 2JZ | Tel; 01306 740555; Fax; 01306 740770
Registered Address; 4, Guildford Road, Westcott, Dorking RH4 3NR
Registered in England No 1756254
Authorised and Regulated by the Financial Conduct Authority No. 307545
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 and paid the premium (or arranged to pay your insurer by direct debit). Your Insurance will be on the basis of the sums insured and information you provide. 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 websites, you may be able to access it therein.
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. Following a change in legislation, you do not now need to display the certificate and it may be held in electronic format, providing you make it available, upon request to employees and anyother authorised bodies. You must provide us with your Employer’s Reference Number as soon as possible for the Employers Liability Tracing Office database.
If your Insurance is arranged wholly or mainly for purposes related to your trade, business or profession, you have a duty to make a ‘fair presentation,’ whether or not the insurer asks for specific information. This duty applies throughout the life of your policy and when you renew your Insurance. Failure to make a ‘fair presentation’ may influence the Insurer’s decision to accept the policy and/or what terms are applied. Failure to do this gives Insurers several remedies under the Acts and could mean reducing the amount paid, or, in some circumstances may invalidate your Insurance and could mean that your claim will not be paid. Under the Insurance Act 2015 and the Enterprise Act of 2016, you need to undertake a ‘reasonable search’, before answering questions and the presentation of your risk needs to be ‘clear and accessible’; so called ‘data dumping’ without clear signposting is not acceptable. The presentation does need to be made by a ‘responsible’ person. We cannot be responsible for your failure to give us information.
You must take reasonable care not to make a misrepresentation to the Insurer. This means that all the answers you give and statements you make as part of your Insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the Insurers, this could mean that part or all of a claim may not be paid. The Consumers Insurance Act 2012 applies to you.
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 needs &/or 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.bcis.co.uk] in the form of a calculator for private premises, you should really obtain a professional view from a qualified valuer. Your Contents and other personal effects, 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 small to medium sized 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 toincrease 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, bank transfer, or credit/debit card [other than 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.
We do not act as principals for consumer credit. Some insurers offer their own instalment facilities and you can apply to them for payment by this method in lieu of paying us direct. If we send you an application form from the insurers for instalment facilities this does not mean that we endorse such means of payment or the ability of the insurers to collect your premium. If you fail to maintain payments to your insurers they are likely to cancel your policy and we will not necessarily be able to reinstate cover for you.
If you have not paid the renewal premium by the renewal date, your policy may no longer be in force and you may 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 or may be reduced, if you have had a claim before cancelling.
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 or Intermediaries.
For your protection, we will hold premiums and claims monies received [if applicable] in accordance with Financial Conduct 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.
Insurers may levy an Underwriting Fee. This will be advised to you, prior to purchase of the insurance or its renewal.
We shall levy fees for policy issuing or policy changes.This is at a current rate of £30 per item. You should note that fees are not refundable.
If you feel that the policy you have bought or its renewal is inappropriate for your needs, you may have a “cooling off” period of 14 days from the start of the policy period. If this is the case and providing that there have not been any losses during the 14 day period and you return all certificates and other documentation to us, your premium paid may be returned 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 any right to cancel, you withdraw from the contract of Insurance from its start date. This right to cancel does not apply to policies where the activity or event being insured is of less than six months’ 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 and fees 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 Conduct 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.
The General Data Protection Regulations came into effect in May 2018. We do not use the information that is needed by Insurers to consider your Insurance request, or any subsequent information, to sell you further products and we shall not pass your details to other parties, except when obliged to do so by law, statute or for underwriting 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.
We are a firm of insurance brokers and underwriters. As well as arranging insurance policies for our clients, we act on behalf of and provide underwriting services to various insurance companies and Lloyd’s Syndicates in connection with the provision of insurance products to various other insurance brokers.
We are a ‘data controller’. This means that we are responsible for deciding how we hold and use personal information about you. We are required by law to inform you about the information which we hold to enable you to understand the purposes for which it is used.
This Notice explains [the types of personal information about you which we hold and how we use it] [how we use any personal information which we collect about you when you use this website].
When you apply to us for insurance [via this website], you are required to complete a proposal form which includes various personal details about you. The details may vary according to the type of insurance which you are seeking. The details include your name, address, other contact details, age, occupation, nationality, information about previous claims made or loss or damage previously suffered and details of criminal convictions (if any). In the case of health insurance we will collect information about your current state of health, your medical history and relevant health-related factors such as whether you are or have been a smoker.
Information of a non-personal nature will also be collected about the buildings and items of property or valuables which are to be insured, relevant security measures and the possible risks or liabilities which are to be covered.
We use the information which you provide in order to process your application for insurance, to manage your relationship with us and to supply information about you and your insurance requirements to the insurance companies and Lloyd’s Syndicates with whom we deal. If you confirm your agreement by completing the relevant section of the proposal form, we will also use the information to email you about other insurance-related products and services which we think may be of interest to you.
We will not sell or share your information for marketing purposes with any other company or third party.
For the purpose of processing your application for insurance, we may send information about you to credit reference agencies and fraud prevention agencies. We may also use information about you which may already be held by such agencies.
We may also provide personal information about you to (a) Loss Adjusters appointed by insurance companies in the event of a claim by you, (b) the Insurance Ombudsman in the event of a complaint, (c) the Employers’ Liability Tracing Office (if applicable), (d) firms of surveyors or valuers for the purpose of assessing the condition and value of insured property and (e) firms of solicitors or the police in the event of a dispute or an allegation of fraud.
We will only use the personal information about you which we hold to the extent that the law allows us to do so. The legal basis on which we will normally use the information is as follows:
The circumstances in which we may use personal information to pursue legitimate interests include those where it is in the interests of the insurance industry as a whole to provide such information to a regulatory or representative body. Such bodies include the Financial Conduct Authority which has responsibility for reviewing the activities of insurance companies, underwriters and brokers.
When completing a proposal form, you may be invited to say whether you would like to receive from us information about insurance-related products or services which may be of interest to you. If you consent to receive such marketing information, you may opt out at a later date if you change your mind. You have the right at any time to tell us to stop sending such information to you. If you wish to do this, please notify us by sending an email to us or write to us, using the email or postal addresses set out at paragraph 12 below.
You have the right to request a copy of the information which we hold about you. If you would like a copy of some or all of your personal information, please email us or write to us using the email or postal addresses specified in section 12 below.
We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove any information which you think is inaccurate.
We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed.
We will retain your personal information throughout the periods covered by any insurance policies which we arrange for you and for as long as necessary thereafter to fulfil the purposes for which the information was collected, including the purposes of satisfying any legal, accounting, or reporting requirements. The period of retention will be affected by any claims which may be made or any disputes which may arise in relation to a policy.
If you fail to provide all the personal information that we require when completing a proposal form, we may not be able to enter into a contract with you for provision of the insurance that you are seeking or we may not be able to perform all aspects of any contract which is concluded with you.
This website (Anthonywakefield.com) makes use of Session Cookies.
A web Cookie, is a small piece of data that is sent from a website to load into temporary or stored memory on the user's web initiated device while the user is viewing a website on the internet. Cookies are designed to be a practical mechanism for websites to remember information, such as shopping cart items, information entered in a web based form or passwords or payment card details.
Temporary Cookies, or Session Cookies, are used to store temporary information only and expire when the website connection is closed or the website is left inactive 30 minutes. Session Cookies are not stored in the browsing device’s long term memory.
Cookies may also be used to record website visitors browsing activity and to provide analytical and statistically information about their visit to the website. These Cookies are also known as Tracking Cookies.
Our website may contain links to other websites. This Privacy Notice only applies to our website. If you link to other websites, you should read the Privacy Notices referred to in them.
We keep our Privacy Notice under regular review. Any changes or updates will be included in this Notice from time to time. This Notice was last updated on 26th April 2018
By email at email@example.com
By post at: Anthony Wakefield & Co, South House, 21 – 37 South Street, Dorking, Surrey RH4 2JZ
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 ofwhat has happened. We shall:
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 Exchange Tower, 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 (micro-enterprise) with a group annual turnover of less than €2,000,000, a charity with an annual income of less than €2,000,000 or a trustee of a trust with a net asset value of less than €2,000,000 - and you employ fewer than ten employees. 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 by visiting their website.
Please note that we do not 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 for any other party’s and we ask for your understanding in this regard.