businessinsure
Businessinsure Terms and Conditions - PAGE 3
quoteline 08456 024 589
7 - Your duty to disclose material information
It is important that you understand that any information, statements or answers
made by you to us or your insurer are your responsibility and must be correct.
Your attention is particularly drawn to the importance of the declaration and
signature on any insurers’ Proposal Forms as any failure to disclose facts
material to the insurance or any inaccuracies in your answers may invalidate
your insurance cover in part or in whole. Facts material to the insurance are
matters or information which may influence your Insurer as to the acceptability
or otherwise of your Proposal or Renewal and must be disclosed at the earliest
opportunity. You are advised to keep copies of documentation sent to or received from us for your own protection. Please consult us if you are in doubt on any aspect.
8 - Policy Documents
Policy documents will be issued to you as quickly as possible after receipt from insurers. When a policy is issued you are advised to read it carefully as it is this document, the schedule and any certificate of insurance, which forms the basis of the insurance contract you have purchased. If you are in doubt over any of the policy terms or conditions, please seek our advice promptly.
For some insurance, for example Employers and Public Liability, it is possible that a claim may be made under a policy long after expiry date of the cover. It is therefore important that all policy documentation is kept safely, particularly that which may be called upon to provide protection beyond the expiry date of cover.
9 - Duty of Care and Confidentiality
We will keep records of all our business transactions for a minimum period of six years. We treat all our clients’ records as confidential even when they cease to be so. No information will be passed to another party without your prior consent unless we are legally obliged to do so, or to meet our regulatory requirements. We cannot be held responsible for incorrect data held in the event of non-disclosure.
Insurers pass information to the Claims and Underwriting Exchange and the Motor Insurance Anti-Fraud and Theft Register. The aim is to check information provided and also prevent fraudulent claims.
Motor Insurance details are added to the Motor Insurance Database that has been formed to help identify uninsured drivers, it may be searched by the police to help confirm who is insured to drive. In the event of an accident the database may be used by insurers and the Motor Insurers Bureau to identify relevant policy information.
Under the Data Protection Act 1998, you have the right of access to your personal records held on our files. This will incur a small administration fee. We will tell you what the fee is if you ask for a copy of your information.
