T: 0800 581 801
By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. For your own benefit and protection, you should read these terms carefully. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us at the above address.
Golfguard Ltd is an independent intermediary and is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 310410. Our permitted business is advising, arranging, dealing as agent, assisting in the administration and performance of general insurance contracts and credit broking. You may check this on the FCA’s register by visiting the FCA website, https://register.fca.org.uk/
or by contacting the FCA on 0845 606 1234.
We source and arrange products but do not offer advice or make recommendations when arranging your insurance. However, we will ask some questions to narrow down the selection of products on which we will provide details; you will then need to make your own choice about how to proceed. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer.
We select personal insurances from a limited number of insurers, but for certain products, we may only deal with a single insurer. Where we only select insurance from a single or limited number of providers, this will be made clear to you in our quotation. In these circumstances, you may ask us for a list of the insurers we deal with for these products.
We aim to provide you with a high level of customer service at all times, but if you are not satisfied, contact us in writing to: Golfguard Ltd, P O Box 270, East Grinstead, West Sussex RH19 3WP or by phone 01342 318368. When dealing with your complaint, we will follow our complaint handling procedures; a summary of these procedures is available on request. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (except in the case of a business employing 10 persons or more and with a turnover or annual balance sheet total exceeding €2 million, a charity with an annual income of £1m or more or trustees of a trust with a net asset value of £1m or more). For further information you can visit FOS website www.financial-ombudsman.org.uk.
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are unable to meet our liabilities under this insurance. This depends on the type of business and the circumstances of the claim. A claim is protected for 90%, without any upper limit. For compulsory classes of insurance the claim will be met in full. Further information about the compensation scheme arrangements is available from FSCS. Information can be obtained on request, or from the FSCS website at www.fscs.org.uk
We normally receive commission from the insurers or product providers. You will receive a quotation which will tell you the total price to be paid, including any taxes, before your insurance arrangements are concluded. Full payment of premium is due before cover commences or as detailed in any Cover/ Debit Note/invoice we may issue to you. A charge may be made in respect of the issue of duplicate documentation, mid-term changes, etc. Please also refer to Termination of Authority paragraph.
We act as agents of the insurer in collecting premiums and handling refunds due to clients. Such monies are deemed to be held by the insurer(s) with which your insurance is arranged. For the purpose of some transactions, money may pass through other authorised intermediaries before it is received by the insurer. Interest will not be paid to clients in respect of money held in bank these accounts.
You should make any request for the cancellation of a policy in writing to Golfguard Ltd within 14 days of receipt of the policy document and any relevant certificate of insurance should be returned to Golfguard Ltd. The terms of your policy may allow insurers to provide a full refund of premium paid; retain the premium in full or to charge short-period premiums in the event of cancellation.
Occasions can arise where we or our appointed representative Mead Sport and Leisure Limited, clients or product providers will have a potential conflict of interest with business being transacted for you. If this happens and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.
You may terminate our authority to act on your behalf with 14 days notice or as otherwise agreed without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transactions or adjustments effective prior to termination and we will be entitled to retain any brokerage payable in relation to policies placed by us prior to the date of termination.
You are responsible for answering any questions in relation to any proposal for insurance cover honestly and to the best of your knowledge, providing complete and accurate information which insurers will require. This also applies to your responses in relation to any assumptions you may agree to in the process of applying for insurance cover. This is particularly important before taking out a policy but also at renewal or if you make a mid term amendment to your policy If you fail to disclose information, or misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid. You must check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy or mean that claims may not be paid. You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, please contact us for guidance.
All personal information is treated by us as confidential and is processed in accordance with the relevant legislation. We will not use or disclose personal information without your consent, other than in the normal course of arranging and administering your insurances, except where we are compelled by law (including by regulators or law enforcement agencies) to disclose such information. In such instances personal information held by us may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to such third parties. Some of the details you may be asked to give us, such as information about offences or medical conditions, are defined by the Act as sensitive personal data. By giving us such information, you signify your consent to its being processed by us in arranging and administering your insurances.
We will employ due care and skill if we act on your behalf in respect of a claim. If we act on behalf of an insurer in negotiating and settling claims and we will inform you that we will be acting on behalf of the insurer, not yourselves, at the point of claim.
Anglers First Insurance and ClubCricketCover are trading names of Golfguard Ltd
GOLFGUARD LTD is Authorised and Regulated by the Financial Conduct Authority [FCA No. 310410] and is a Member of the British Insurance Brokers' Association.