Midsomer Norton Insurance Brokers

Midsomer Norton, Insurance Brokers

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Ian Macdonald Insurance Services Midsomer Norton

 

IAN MACDONALD INSURANCE SERVICES LTD (IMIS LTD)

Authorised and Regulated by the Financial Services Authority, Mem No. FRN300767

TERMS OF BUSINESS

IMIS, an independent Intermediary, is regulated by the FSA to sell all  types of General Insurance (G.I), and is bound by the Rules of the FSA (the “Rules”).  IMIS Ltd act independently on behalf of the client, and offers advice on various types of G.I policy available from numerous, different insurers.  The exception to this is Legal Expenses Insurance.

CLIENTS DUTY OF DISCLOSURE

It is the client’s responsibility to provide IMIS with full and accurate information, and to disclose any material facts.  This applies both when requesting G.I and at any time throughout the period of insurance.  Inaccurate, misleading or omitted information could affect your policy and may result in no cover in the event of a claim.  If the client is in any doubt regarding what material facts need to be disclosed, please call IMIS.

IMIS Ltd CANCELLATION CHARGES

There are no refunds on short period policies i.e 3 or 6 months.  Any ‘No Claims Bonus’ claimed must be confirmed within 30 days of policy inception else the policy will be cancelled using the following scale;
The refund only applies to insurers premiums, not Fees/Legal Expenses.

Months   %Charge  Months   %Charge  Months   %Charge  Months   %Charge
One         30            Two        40            Three       50            Four        60
Five         70            Six           80            Seven       90            Eight+     100

Due to administration constraints the minimum refund will be £10.00

INTERMEDIARY CHARGES

Adjustments. £5.00
Additional premiums. £5.00
Return premiums £5.00 plus the loss of any commission.
Due to administration constraints the minimum refund will be £10.00
Duplicate certificate £15.00 (this could be an insurer’s charge.)
Bounced cheques £15.00

INSTALMENT FACILITIES

PROMPT PREMIUM = A maximum of 10 instalments, subject to a New Business £nil and Renewal £5.00 administration fee.

As per  the Financial Services Authority  we are unable to accept any other form of instalment payments,  all premiums must be paid on or before renewal date.

COMPLAINTS HANDLING

As a member of the FSA’s Approved Dispute Resolution Facility, IMIS cares about the service it offers.  Should you be dissatisfied with the advice you have received, the policy you have bought, or the service you have received from an IMIS employee, we request you contact Mr I.A. Macdonald at IMIS, Midsomer Norton in the first instance.  If the complaint cannot be resolved or you are still not satisfied, the full FSA’s  complaints procedure will be made available to you.

CLAIMS PROCEDURE

In the unfortunate event of a claim please contact IMIS 01761 416937, or visit the office.

Office Hours:                          Mon – Fri               0900-1300               1400-1700
                                                Sat                           0900-1200
Please be aware of the following reforms as they could affect your claim(s)

CIVIL JUSTICE REFORMS – APRIL 1999 (WOOLF REFORMS)

All claims/incidents must be notified immediately.  Failure to do so could negate insurance cover and you may incur costs.

CONFIDENTIALITY

All personal information about you will be treated as private and confidential.  We will only use and disclose information we have about you in the normal course of arranging and administering your insurance. We will not disclose any information to any other parties without your consent, unless required to do so because we are authorised by the FSA, it is in the public interest, or we have to by law.

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