Household Insurance - Terms & Conditions
Under this section ‘You’ may refer to your position as the broker or your client themselves.
Excess
If excesses apply, they will be itemised on your policy schedule.
How to make a Claim:
Should you wish to process a claim under this policy You must contact the claims department on 02890 410 220 (UK) or 01 872 0179 (ROI) or claims@misclaims.com or
MIS Claims
Beechwood House
37 Comber Road
Belfast
BT16 2AA
Fax: (UK) 02890481185
(ROI) 04890481185
Cancellation Rights
You may cancel the policy at any time. You must notify us of this in writing and return the policy documentation to the address shown on the policy schedule.
The Insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 3 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to You at Your last known address. Valid reasons may include but are not limited to:
a) Fraud
b) Non-payment of premium
c) Threatening and abusive behaviour
d) Non-compliance with policy terms and conditions
Provided the premium has been paid in full your client may be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.
Customer Service/ Complaints
It is the intention to give You the best possible service but if You do have any questions or concerns about this insurance or the handling of a claim You should follow the complaints procedure below:
Sale of the policy
Please contact your agent who arranged the Insurance on your behalf.
If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to:
Customer Relations Department
UK General Insurance Limited
Cast House
Old Mill Business Park
Gibraltar Island Road
Leeds
LS10 1RJ
Tel: 0845 218 2685
Email: customerrelations@ukgeneral.co.uk
If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Tel: 0845 080 1800
The above complaints procedure is in addition to Your statutory rights as a consumer. For further information about Your statutory rights contact Your local authority Trading Standards Services or Citizens Advice Bureau.
How do I renew?
You shall receive an email each month to notify you that you have renewals pending for the coming month. Your renewals are available three months in advance via the website renewals section.
Acceptance
By proceeding with access to our website, you are deemed to have accepted these terms and conditions.
Duty of Disclosure
The information you provide us during the quote process will form the basis of the contract between you and the Insurer. It is your responsibility to provide complete and accurate information and to disclose all material facts likely to influence an insurer's decision to accept or decline the risk. If you are unsure about whether to disclose any information please contact us for guidance.