LADIES INSURANCE TERMS & CONDITIONS

About us
LadiesInsurance.com (Goldcrest Insurance) is authorised by the Financial Services Authority (FSA). We are permitted to arrange, advise on, and 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 FSA's register by visiting the FSA's website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Your duty of disclosure
Your insurance is based on the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer's decision to accept and pay a valid claim are disclosed.

Failure to disclose material information may invalidate your insurance and could mean that part, or all, of a claim may not be paid.

Documents
We reserve the right to retain insurance certificates at our office until all payments due under the policy have been made and any cheques have cleared through our bank account. This includes instances where we have agreed the payment of premiums by instalments. We will also retain the certificate of insurance whilst any documentation required from you in support of your application for insurance is outstanding. By accepting these terms of business you agree that delivery of any certificates to Goldcrest Insurance will constitute delivery to yourself in accordance with statute law.

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 you have membership of our Motorists Legal Assistance scheme and wish to claim for losses not covered under your motor insurance policy, please contact our office.

Charges and Cancellations
Payments by our instalment schemes are due strictly at one-month intervals from the inception/renewal date of the policy. A reminder will be sent to you ten days before the due date and late payment will result in cancellation without refund. When you decide to take out a policy that is arranged by us, by accepting the premium you agree to pay the following scale of charges. In this respect a renewal is considered to be the same as a new policy, although it may be with the same insurer. These charges are in addition to any made by the insurer themselves. Charges will be notified to you prior to the commencement of the policy.

Broker Instalment Charge - 15% dependent on plan (minimum £20.00). Details on application.

Charges on premiums exceeding £2000 - negotiable.

Broker Mid-Term adjustment charge - 30% of the additional premium charged by the insurer subject to a minimum charge of £35.00.

We reserve the right to make a charge on New Policies and Renewals of up to 15% of the premium charged by the Insurer. However, on some low or nil commission policies we reserve the right to charge a higher rate. You will be advised at the time of quotation if this is the case.

Membership of Motorists Legal Assistance scheme - £30.00

Charge for dishonoured cheque - £25.00

RETURN PREMIUMS (Usually arising if a risk is reduced or cancelled). Return premiums will be held to credit against future renewals or new policies unless you request us to do otherwise. On return premiums we repay commission to the insurer and this will be deducted from the final amount refunded to you. If a policy is cancelled we will, if required, refund any return premiums due after deduction of commission and charge. All cancellations are subject to a £25.00 cancellation charge.

How to cancel
You may have a statutory right to cancel this policy within a short period. Please refer to your policy summary or policy document for further details. If you cancel on this basis you will receive a pro rata refund of premium from the insurer. We will make a minimum charge of £50.00 to cover our own administration costs for arranging and cancelling the insurance.

If you wish to cancel outside the statutory period you may not receive a pro rata refund of premium. Our normal cancellation charges and deductions will also apply.

Complaints
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 Branch Manager at the address shown on this document. If you remain dissatisfied, you should write for the attention of our Managing Director at the branch address. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. Further information is available at http://www.financial-ombudsman.org.uk/

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 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 FSA rules. We also reserve the right to retain commission earned on this account.

By accepting these Terms of Business you are giving your consent for us to operate in this way.

Compensation arrangements
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. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder 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 is about compensation scheme arrangements is available from the FSCS at http://www.fscs.org.uk/. Data Protection.

The personal details you give us are held on a computer system. They will not be made available to anyone except the insurer that you are entering into a contract with. In the case of dispute, in order to comply with the FSA code, information may be made available to them. If required by a Court of Law, we will be bound to provide information to them. We might also wish to use the information to be able to provide you with other products or services we can arrange.

Insurers pass information to the claims and underwriting exchange register run by IDS Ltd and the Motor Insurance Anti fraud & Theft Register run by the Association of British Insurers. The aim of this database is to help check the information provided and to prevent fraudulent claims. It also helps detect people who break the law by not taking out compulsory insurance.

Should you have any questions regarding our Terms of Business you should address them to your Branch Manager

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1. Registered Name
Ladiesinsurance.com is a trading name of Goldcrest Insurance Services Limited. (Company Number 1171052) whose registered office is at 32 Queen Anne Street, London W1M 0HD and Goldcrest Insurance Services Limited. refer to these trading divisions.

2. Residency Requirement
The products and services described in this site etc. are available only to U.K Residents who have lived in the UK for at least the last three years and are insuring private vehicles within Great Britain (excluding Northern Ireland but including Isle of Man and the Channel Islands). By asking for a quotation, you confirm that you and any additional drivers on your policy are UK residents and that you will immediately notify us if you or any additional drivers cease to be a permanent UK resident.

3. Medical Conditions
We are unable to insure any drive who has received medical advice recommending that they do not drive. Certain other medical conditions may require amended terms and conditions.

4. Telephone Calls
We may record or monitor our telephone calls with you for training purposes and to improve the service we provide to you.

5. Website Content
We have taken every reasonable step to ensure the information contained in this website is accurate and up todate. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time. We can give no warranty that this site and its content are free from viruses or anything else that has contaminating or destructive properties.

6. Revisions
Goldcrest Insurance Services Limited may revise these Terms and Conditions of Use by updating this page at any time. If you renew your contract with us or purchase a new product/service, you will be bound by the Terms and Conditions of Use current at the time, which may differ from these.

7. Links to Other Web Sites
The Goldcrest Insurance Services Limited website may contain links to other websites. We accept no responsibility or liability for the content of these websites. If you are redirected to another website via our website, you will need to contact the organisation separately to remove your details from their records. No one may link into this website without prior written consent.

8. Governing Law
The content of this website and the products and services offered by us comply with the appropriate UK legislation and regulation. Unless we have agreed otherwise with you, the insurance contract with us shall be subject to the law of England and Wales and the exclusive jurisdiction of the courts.

9. Several Liability Notice
In some circumstances the subscribing insurers' obligations under the contracts of insurance to which they subscribe are several and not joint and are solely limited to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscribing insurer who for any reason does not satisfy all or part of its obligations.

10. Copyright
The Contents of this website (including but not limited to the text, graphics and sounds) are the copyright of Goldcrest Insurance Services Limited and may not be copied, distributed, uploaded, or re-published in anyway.