About us – FNC General is a trading name of Feast Noble & Company LLP, which is authorised and regulated by the Financial Conduct Authority (FCA). Our permitted business is advising on and arranging general insurance. Our FCA number is 490071.You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register/home.do or by contacting the FCA on 0800 111 6768.

Our services – We offer products from a range of insurers. We will advise and make a recommendation for you after we have assessed your needs. You will not have to pay a fee for our services.

Your duty of disclosure – It is your responsibility to provide complete and accurate information to insurers when you take out your policy and during the life of the policy. If the information you supply is incomplete and / or inaccurate or there is any change in circumstances the cover could be affected and or a different premium applies. Any failure to disclose material information in relation to the risk could invalidate your insurance cover and any claim that you make. Please tell us about any change immediately.

Return of information by the customer – To maintain a high level of service and ensure the prompt issue of policies and other documents, we rely on customer’s returning any forms, copies or other information without delay. Should any customer fail to respond, they MUST understand the policy will be cancelled at the insurer’s short-term cancellation rate and will incur a charge for the unnecessary administration.

How to cancel – You may have a statutory right to cancel your insurance after a short period providing the relevant insurance certificate is surrendered and there could be no incident that will cause a claim against the insurer. Each insurer cancels on a different scale. Please contact us prior to cancelling a policy to discuss. Should you pay a premium via direct debit any money ‘in hand’ on cancellation will be used to clear the insurer’s charges. If insufficient, the outstanding balance will become payable immediately and any excess after full payment will be returned. Please be aware that cancelling your direct debit does not cancel your policy.

Please note – No refund is available if the policy is the subject of a claim, is a short term policy of less than 12 months or is an added value product that runs alongside an existing policy, “legal expenses” or “breakdown” cover for example.

Regulation states that a refund cannot be paid until that amount has been settled on the insurer’s account.

Unpaid amounts – Should any amount remain unpaid after proper notice, we reserve the right to take all reasonable steps to legally recover any outstanding amount.

Fees and charges – Our remuneration may be as a fee, or as a brokerage (also referred to as commission), which is a percentage of the insurance premium paid by you and allowed by the insurer with whom the insurance is placed. We may be entitled to retain all brokerage and fees irrespective of any cancellation or other mid-term adjustment. The rate of commission we receive from insurers can vary.

How to claim – If you are involved in an incident the insurer MUST be advised immediately, the policyholder or driver must not admit liability or agree to any action on behalf of another without prior consent. Your insurer will require you to act promptly with any issue that they raise, where our claim advisory service will provide advice in regard to those issues. It is advisable we are informed of any possible developments; this will enable an accurate assessment when attempting to resolve any outstanding issues on your behalf.

Renewal Process – Insurers are obliged to provide renewal terms to you in advance of the policy renewal date, and we are required to present this information to you in good time. For cover to continue you must instruct us on or before the renewal date. There are no ‘days of grace’ for insurance policies. Irrespective of whether you receive a renewal notice and / or reminder it remains your responsibility to make certain your insurance is valid and in force. If you pay your insurance by direct debit, we will, for your protection and subject to your insurer offering renewal terms, automatically renew your policy unless you instruct otherwise or advise to us of any changes that may affect your policy at renewal (e.g accidents, drivers, convictions or other changes that we were previously unaware of).

Cooling off period – You have the right to cancel any insurance policy that you take via us. If you wish to cancel you should put this request in writing to us within 14 days of the inception date. If the policy is for

Motor insurance then the Certificate of Motor Insurance should accompany this letter. We will refund the premium less a proportionate charge for the period of cover, the administration fee and any other charge the insurers make.

Complaints – If you want to register a complaint please write to The Managing Director at FNC General, 1 Clockhouse Court, 5-7 London Road, St Albans, Hertfordshire, AL1 1LA, or telephone 01727 834 222. A summary of our procedures for handling complaints is available on request. If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

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 Managing Director 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 customer’s from this account and we may need to transfer your money to another intermediary in some cases. However your money will be protected at all times because of the requirements of the FCA rules. We also reserve the right to retain interest earned on this account.

We do not guarantee the solvency of any insurer that we place business with. A liability for the premium, whether in full or pro-rata may arise under policies where a participating insurer becomes insolvent. In the event an insurer becomes insolvent or delays making settlement of a claim we do not accept liability for any unpaid amounts.

By accepting these terms of insurance business you are giving your consent for us to operate in this way.

Compensation arrangements – the Financial Services Compensation Scheme covers us. 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. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk.

Premium Finance – A deposit may be required to set up a policy on finance (normally but not exclusively 20%) and there will be a 10% charge due on all financed policies. Finance is subject to status.

E-Mail – In some cases we may agree to correspond with you by e-mail. Should you provide to us your e-mail details you are consenting for us to enter into communication via e-mail. However, if you e-mail a request for insurance cover to be placed or an existing policy to be amended, cover will not be in force until the request has been accepted by the insurer and we have notified this to you.

Motor Insurance Database – All motor policy details are added to the Motor Insurance Database (MID) run by the Motor Insurance Information Centre (MIIC). This may be consulted by the Police to establish who is insured. Should you be involved in an accident (whether in the UK or abroad) insurers, the MIB (the Motor Insurers Bureau) and the MIIC may search the MID for relevant policy information. Persons with a valid claim in respect of a road traffic accident may apply for information held on the MID. Please see www.mib.org.uk for more info.

Version 2 – January 2010.

HOW TO CLAIM

What ever time of day or night, it couldn't be easier to get our help. Simply call Chris or John, or if you’re involved in an accident please contact or our dedicated 24hr claims line on
08431 782 442.