Johnstone Insurance Brokers Ltd. Trading and Legal Information

Johnstone Insurance Brokers Ltd. (Company Registration number 05683941) are Insurance Brokers dealing with all forms of General Insurance. R J P Marine, A Trading Name of Johnstone Insurance Brokers Ltd., specifically deals with Personal Watercraft, Jet-ski and Pleasure Craft Insurance.

Johnstone Insurance Brokers Ltd are authorised and regulated by the Financial Services Authority – Registration number 452604. You can check our registration on the FSA website at the following link www.fsa.gov.uk

Data Protection
To consider your request for insurance cover or administer subsequent dealings in respect of your insurance we must process your personal data and where appropriate your 'sensitive' personal data and in doing this we will comply with the provisions of the Data Protection Act 1998.

In order to provide and maintain your insurance cover, we need to pass your information to:

1. Insurers as appropriate and/or
2. Other organisations in order to deal with insurance underwriting or claims related matters.

Unless required by Law, the Financial Services Authority or as necessary to effect or administer your insurance none of your personal data (even if not ‘sensitive’) will be disclosed without your consent to any person or organisation, or used for any other purpose.

We have entered into contract terms with all of the companies to whom we pass your data, requiring them to comply with the provisions of the Data Protection Act 1998. The Data Controller is Johnstone Insurance Brokers Ltd.

Commercial Customer Status Disclosure and Terms of Business Agreement

This section outlines Johnstone Insurance Brokers Ltd Status Disclosure and Terms of Business. Unless you advise us to the contrary, we will assume you wish to be bound by the terms of this agreement.

What is the Financial Services Authority (FSA)?
The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you. Johnstone Insurance Brokers Ltd, at the above address, is authorised and regulated by the Financial Services Authority. Our Minded to Authorise number is 452604. Our permitted business is arranging general insurance contracts. You can check this on the FSA Register by visiting the FSA website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Whose products do we offer?
We offer products from a range of insurers for commercial insurances involving Motor, Property, and Standard Liabilities.
We only offer products from a limited number of insurers for Travel, Specialist Liabilities. Please ask us for a list of insurers we offer insurance from.
We only offer products from a single insurer for Horsebox and horse insurance.

What service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs and we will provide you with a suitability statement, verbally if you request it or require immediate cover, and in writing immediately after the conclusion of your contract. Unless advised otherwise we receive a commission from your insurers. You have the right at any time to request information regarding any commission, or the level of it, which we may have received as a result of placing your insurance business.

What will you pay for our services?
The following charges will be made for your insurance: -
Document issue fee up to a maximum of £100.00
Dishonoured cheque or payment £10.00
All return premiums will be refunded net of our commission
Information requests under the Data Protection Act £10.00
Please note that on cancellation of a policy your insurer may not allow a proportionate refund, or your premium may be a minimum and deposit premium.
These charges will be in addition to any charges made by your insurers. Should it be necessary for other charges to be made by us these will be notified to you in advance.

What is your duty of disclosure?
You have a legal obligation to disclose all material facts. A material fact is one which may influence an insurer’s decision to accept the risk, or may affect the terms or conditions they wish to impose and it may be favourable or not. The supply of this information is your responsibility and must be accurate. If in doubt about any information, you should disclose this to us to see whether it would be classed as material. Failure to disclose any or inaccurate material facts may invalidate your insurance policy and may result in all or part of a claim not being paid. Any changes to your information must be disclosed at the earliest opportunity and at each renewal.

When do you need to pay your premiums?
Your premium is due for payment as soon as cover has been arranged for you. In the case of renewals, your premium is due for payment on or before the renewal date. If you fail to pay the premium by the renewal date then your policy will automatically be cancelled from that date. However, if your premium is paid by direct debit, renewal of your policy will be assumed unless you inform us that cover is no longer required. Direct Debit facilities may either be arranged with your insurer, or alternatively by means of a premium finance agreement through Premium Credit Ltd. In accordance with our standard practice, your premiums may be used to pay other clients premiums to insurers’, as may their premiums be used to pay yours.

Do you receive interest on the money you pay to us?
We do not pay interest when the amount is under £20.00.

How do we process your information?
Information we collect and hold about you is protected by the Data Protection Act 1998 and will be processed fairly and lawfully by us. We will only use and share this information in the normal course of arranging and administering your insurance, to inform you about other products and services being offered by our Group, or unless we are required by law or practice to comply with a subpoena and/or compelled by law (including law enforcement agencies) to comply with the Data Protection Act 1998 and/or any ensuing statutory enactment. You should inform us if you do not wish to receive information from us. You have the right to ask for a copy of the information we hold about you. All requests must be received in writing to the above address, for the attention of the Training and Compliance Officer. You must supply as much information as possible regarding the information you wish to see, including dates and times of any events. There is a fee for this service of £10.00, payable in advance, and the information will be sent to you within 40 calendar days from receiving your payment. You have a right to have any inaccuracies in your data corrected and you should advise the Training and Compliance Officer accordingly.

What are your cancellation rights?
There are usually no cancellation rights under a commercial policy. However, if your policy does include cancellation rights you will be informed at the quotation stage. If your policy does have cancellation rights, in the unlikely event of you not receiving the information regarding your policy, prior to you making a decision to buy it, you have a 14-day period, commencing from when you do receive your documentation, in which to cancel your cover (providing your policy is not less than one month in duration, or a commercial policy without cancellation rights). You must return all documentation within 30 days if you wish to use this cancellation clause, and your request must be in writing and dated. Your insurers will make a charge for the period you have been on cover, and we will charge a £10.00 administration fee in addition to any other charges. If you do not use this cancellation clause, your insurers will keep your premiums and you will be insured.

What should you do if you wish to make a claim?
We wish to ensure that any claim is dealt with promptly and efficiently. In the event of a possible claim, some insurers have a 24 hour Claims Helpline, details of which will be shown in your policy booklet and you should make contact with them as soon as possible. If you have been involved in a non-fault motor accident, and you opted to take out the Legal Expenses cover you should contact Broker Assist on 08700 133988. You may also contact our office at any time during business hours, even if you have used the insurers or Broker Assist helplines to report your claim, if you require any further advice or assistance.

What if you are not satisfied with our service?
We aim to provide you with a high level of service at all times, If we fail, you may register a complaint by writing to us, marked Private and Confidential, for the Training and Compliance Officer at the address at the top of this page. Alternatively you may telephone and register your complaint verbally by speaking to the Training and Compliance Officer on 01724 872939. We will acknowledge your complaint promptly, explain how we will handle it, and keep you informed of the progress of your complaint. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet out obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Customer Complaints Procedure

What is a complaint?

We hope that we always provide you with a high level service, however, if we do not then we would ask you to please let us know. We define a complaint as:

Any expression of dissatisfaction from or on behalf of a customer, whether oral or written, and whether justified or not.

What is our Complaints Procedure?

All complaints whether they are oral or written will be recorded in a Complaints Log. If your complaint is not resolved immediately, this will be passed to the Training and Compliance Officer for handling. If the complaint made is about the Training and Compliance Officer, this will be handled by a Partner, or other staff member. It is the firm’s policy to treat all complaints, whether regulated or not, according to this Complaints Procedure

Any unresolved complaint will be acknowledged within five business days, with a copy of the Complaints Procedure. We will then advise you of the outcome of our investigations within four weeks. If we are unable to resolve your claim, we will advise you of the current position, and will attempt to resolve it by the end of a further period of four weeks. If we are unable to settle your complaint at this time, we will advise you of how you may proceed with your complaint further.

Investigation

The Training & Compliance Officer will investigate all complaints and may, where considered necessary, consult the adviser/member of staff whose possible actions or possible omissions gave rise to the complaint. The investigation will include a review of your file, and may where necessary involve contact with third parties such as product providers to obtain information or we may also contact you for further information.

Immediately on completion of the investigation the Training & Compliance Officer will write to you notifying you of the outcome, the nature and terms of any settlement, and will advise that if you are not satisfied with the outcome that you may refer the matter to the Financial Ombudsman Service.

If your complaint is upheld, details of any compensation which may be offered will be fair, and the basis of calculation will be explained to you.

If the investigation is not concluded within four weeks, we will write to you informing him that the investigation is continuing and the reasons for the delay and when we expect to be able to contact you again.

If the investigation is not concluded within eight weeks, the Training & Compliance Officer will write to you informing you of the reasons for the further delay. If you are not satisfied with progress you may refer the complaint to the Financial Ombudsman Service. You must do this within the next six months or you may lose the right.

Financial Services Ombudsman (FOS)

You may contact the FOS at:-
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
LONDON
E14 9SR
TEL: 0845 080 1800
Website www.financial-ombudsman.org.uk

A leaflet about the Ombudsman's arrangements will be forwarded to you with our letter after the eight week period.

Closing The Complaint

When we receive confirmation from you that you are satisfied with the findings of the investigation and any resolution, the complaint will be considered closed by the Training & Compliance Officer. Where no confirmation has been received from you, the complainant, within eight weeks of our most recent letter, the complaint may also be considered closed.

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Security

While Johnstone Insurance Brokers Ltd. has taken all reasonable steps to ensure the information you provide will be kept secure, the internet is not a secure environment, so we cannot provide an absolute guarantee that the information is secure during transmission or in storage.

Applicable Law
If you enter and use this website, you will be agreeing that English Law and the jurisdiction of the English courts will govern any disputes between Johnstone Insurance Brokers Ltd. and yourself.

Representations
Johnstone Insurance Brokers Ltd. make no representations about the contents of this website, or of any site linked to it, and you should not rely on them for any decisions you make. We are not liable for the consequences of any decisions you make having read this website.

Disclaimer
The information contained on this site is not intended to and does not constitute an offer by Johnstone Insurance Brokers Ltd. to sell, or a solicitation of any offer to buy, any product or service. Any insurance products or services mentioned on this site are subject to the legal and regulatory requirements applicable in the jurisdiction in which the risks and/or (potential) assured are located. Therefore, insurance products or services mentioned on this site may not be available in all jurisdictions. The information and descriptions on this site are provided for general information purposes and are subject to terms and conditions contained in any such insurance product. If you enter and use this site, you will be agreeing to the above conditions. If you do not agree to these conditions you should not proceed with any quotation or cover request.