Terms of Business

For your benefit and protection, you should read these terms carefully. If you are unsure about any aspect of our Terms of Business or have questions regarding our relationship with you, please do not hesitate to contact us.

01. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates the financial services industry. UK Sure Services Ltd is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 923039. Our permitted business is advising and arranging non-investment insurance contracts. You can check this on the Financial Services Register by visiting the FCA's website at register.fca.org.uk.

02. Whose products do we offer?

We offer a range of policies from a limited range of providers across the market, which does not represent the whole market.

03. Which service will we provide you with?

We provide a non-advised service. We will ask you some questions to help us ascertain your demands and needs, and we will then provide you with sufficient information on what we believe to be a suitable product, but not necessarily the most suitable product, for your demands and needs. The information we provide is intended to help you make an informed decision about how to proceed. Ultimately, you will need to make your own decision about how to proceed. In all cases, we will arrange for the product to be delivered on your behalf.

04. Renewals

Please note that we operate on an auto-renewal basis. Policies will be automatically renewed upon the renewal date, unless specified otherwise or unless you have informed us of your intention to lapse the policy. Your statutory rights are not affected.

05. Disclosure of information

You must understand that any information, statements, or answers made by you to us or your Insurer are your responsibility and must be correct, as failure to disclose facts material to the insurance or any inaccuracies in your answers may invalidate your insurance cover. These facts must be disclosed at the earliest opportunity, and indeed, at each subsequent renewal.

If you are a retail client, you are duty-bound to avoid any misrepresentation. If you are a commercial client, you are duty-bound to make a fair representation of risk, as this is solely yours, since we cannot be expected to have known facts that have not been disclosed to us. Please keep copies of any documentation sent to you for future reference.

06. What will you have to pay for the services?

We are remunerated by commission from your insurer. Where we receive no commission, we charge a non-refundable broker fee of £75 or 15% of the gross insurance premium (whichever is greater), payable at the inception of your policy. We may receive a commission for arranging instalments from a premium finance provider or earn income from claims management companies. You have the right to ask us about our earnings at any time!

Additionally, we have individual service charges to cover the administration of your insurance policy. Such charges are non-refundable and are shown in the table below:

* Premiums payable and acceptance of any amendment made are at the discretion of your insurer. In addition to any premiums payable, some insurers may apply a charge for making a change to a policy — please refer to your policy booklet.

** Fee is applicable when an amendment is made. The fee will also be retained if we later cancel the policy or you, under circumstances where it is reasonable to do so. This fee is chargeable from the date of purchase, and both within and after the 14-day cooling-off period.

07. Protecting your money

We hold your premium payment under risk transfer as an agent of the insurers, and we do this by paying it into an insurer's premium trust account until it is passed to the insurers. This is to protect your money, meaning that while your money is in the account, it cannot be used for any purpose other than paying the insurers or any intermediaries through whom we may have arranged your insurance. We will retain any interest earned on the account. If a refund of money is due, it may take up to 30 days for the funds to be received from the insurer and returned to you.

08. Insurance policy validation

If any non-disclosures or misrepresentations are identified, we and your insurer reserve the right to take the following action:

1. Declare the policy void.
2. Cancel the policy.
3. Continue the policy by amending the terms and premium. Where we can continue with the existing policy by amending the terms and/or premium, the amendment will automatically be made. We will write to you and notify you of the revised changes that are being applied.

This action is taken to ensure you remain insured. If you are paying by instalments, the payments will be amended to reflect the revised offer. The finance provider will write to you before the next payment is due. If you have paid the premium in full, an invoice will be raised for the extra premium and fees.

09. Professional Indemnity Insurance

We comply with the FCA requirements regarding Professional Indemnity Insurance. This type of insurance is mandatory for insurance intermediaries.

10. Cancellation Process

If you wish to cancel your policy, please get in touch with us in writing at UK Sure Services Ltd, Cancellations Department, 12 Station Street, Eastbourne, East Sussex, BN21 4RG, by email: info@uk-sure.co.uk or by telephone at 01323 416706. We reserve the right to charge a fee of £39 upon cancellation of a policy, unless the cancellation occurs within 14 days of the policy's inception or renewal. Your statutory rights are not affected.

Cancellation during Cooling Off Period

The 14-day cooling-off period begins when you purchase your policy or receive your policy documents (whichever is later), regardless of whether the policy has already started. This applies to both new policies and renewals.

Impounded Vehicle Insurance

Impounded Vehicle Insurance has no cooling-off period and is non-refundable. Therefore, no refund will be given if you, us, or the insurers decide to cancel your policy at any time.

Goods in Transit Insurance

Goods in Transit/Public Liability/Employers' Liability has no cooling-off period; therefore, if you cancel your Goods in Transit/Public Liability/Employers' Liability Insurance, the following will apply:

1. You will be charged a cancellation fee of £39, which is payable if we have already issued you with the policy documents.
2. We will retain and will not refund the insurance commission paid by Arya Underwriting at the inception of the policy. Currently, this sits at 17.5% of the Net Premium for a Goods in Transit policy and 20% of the Net Premium for Public and Employers Liability policies.

Cancellation outside Cooling Off Period

Your insurer will charge you a pro-rata amount for the time you have had on cover (provided no claims have been made or there have been no incidents which may give rise to a claim in that period) plus:

1. The insurer's administration fee.
2. Our cancellation fee of £39.00.
3. Any other applicable service charges that you have incurred during your policy or non-refundable policy add-on premiums.
4. Cancellation of finance charge (where applicable).
5. Any interest costs accrued from the finance provider (where applicable).

If the refund provided by the insurer is insufficient to cover our charges, you will be required to pay the balance to us. After the cooling-off period has expired, some add-on premiums may be payable in full. Please refer to your policy booklet.

In some circumstances, instead of your insurer charging a pro-rata amount, they may use a short period cancellation scale for calculating refunds. Please refer to your insurer's policy document for the terms that apply to your policy.

11. Paying in instalments

Please note that paying by instalments does not mean you have a month-to-month insurance policy. It simply offers a more manageable way of paying for your annual premium.

If you decide to pay via instalments, you will enter into a credit agreement with Close Brothers Premium Finance, which is separate from the insurance policy. Close Brothers Premium Finance will send you a credit agreement, which you must sign and return. Close Brothers Premium Finance will conduct anti-money laundering assessments and may utilise credit scoring, credit reference agencies, and automated decision-making systems. If they cannot validate your application, they will be unable to provide finance for your premium. This assessment will be performed after you have purchased the policy. If the premium finance provider is unable to provide finance, we will discuss the various payment options with you.

Payment Defaults

In the event of payment default, we reserve the right to:

1. Charge interest on any resulting debt.
2. Pass on to you any fees or charges we incur, or cancel your policy.

We will utilise a third-party service to assist with debt recovery, which may result in additional charges being incurred by you.

Policy Amendments

If you make a change to your policy that results in an additional premium, we may require you to pay the extra amount in full or make a part payment with the balance added to the remaining monthly payments.

Premium Finance Cancellation

If, for any reason, the direct debit agreement is cancelled, please get in touch with us immediately.

Motor Claims

In the unfortunate event of a fault claim, your annual premium must be paid in full. This means you will not be entitled to a premium refund and must pay all instalments as per your credit agreement.

12. What to do if you have a complaint

If you wish to register a complaint, please get in touch with us in writing at UK Sure Services Ltd, Complaints Department, 12 Station Street, Eastbourne, East Sussex, BN21 4RG, or by phone at 01323 416706. If you wish to obtain a copy of the firm's Complaint Handling Procedure, please get in touch with UK Sure Services Ltd.

Please be assured that we treat complaints seriously. For your further protection, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Full details can be found on the FOS website at 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 obligations. This depends on the type of business and the circumstances of the claim. Advising and arranging optional insurance policies are covered for 90% of the claim, with no limitation. Compulsory insurance policies are covered at 100%.

13. Data Protection

You may request confirmation of the information we hold about you, to which we will respond within 30 days. You consent to our processing of your data, as well as that of any company associated with us, in accordance with the firm's Privacy Notice. If you wish to obtain a copy of the firm's Privacy Notice, please be in contact with us in writing at UK Sure Services Ltd, 12 Station Street, Eastbourne, East Sussex, BN21 4RG or by phone on 01323 416706.

We may undertake checks via credit reference and fraud prevention agencies to manage your account with us. Please note that these checks should not affect your credit rating. Furthermore, any of our Product Providers (including Credit Providers), may also undertake checks via credit reference and fraud prevention agencies to obtain information about your credit profile. This may affect your credit rating.

We may communicate with you via various methods, including email. Although all our emails are scanned for viruses, we recommend that you scan any attachment(s) yourself, as we cannot be held liable for any loss or damage caused by software viruses. If you choose to communicate with us via email, please be aware that email communications without encryption may not be the safest method of communication. To ensure the safety and confidentiality of any information you send to us via email, we recommend using encryption methods.

14. Governing law

The laws of England and Wales govern this agreement, and any dispute arising from it is subject to the exclusive jurisdiction of the English courts.