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Terms of Business

The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. Please use this information to decide if our services are right for you.
Who regulates us?
Campton Insurance Brokers (UK) Limited is authorised and regulated by the Financial Conduct Authority. Our FCA number is 307338. You can check this at www.fsa.gov.uk/register/home.do or by contacting the FCA on 0800 111 6768. Our permitted business is advising on, arranging and assisting in the administration and performance of a contract of insurance.
Our Service
We are an Independent Insurance Intermediary and as such we act as the agent of our client. However, in certain circumstances we may act for and owe duties of care to other parties. We will advise you when these circumstances occur so you will be aware of any possible conflict of interest. We will advise and make a recommendation for you after we have assessed your insurance needs. If we are unable to make a recommendation or offer advice or where your requirements cannot be fully met we will provide you with enough information to enable you to make an informed purchasing decision. We will assist you in effecting any changes that you need to make to your insurance policy, with the renewal of your insurance policy and with any claim you need to make. To ensure our insurers and credit providers have the necessary facts to assess your insurance risk, verify your identity, to help prevent fraud and to provide you with their best premium and payment options, they may obtain information from third parties at quotation and renewal, and in certain circumstances, where policy amendments are requested. This information includes a quotation search from a credit referencing agency. This search will appear on your credit report and will be visible to other credit providers. It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments.
Whose products we offer
In the majority of cases we will carry out a 'fair analysis' of the market in order to identify a suitable product. This means that we will compare products from a sufficiently large range of insurance providers in terms of cover, price, quality of service and other relevant features in order to select appropriate policies for you. If this is not the case we will advise you of the breadth or our marketing prior to inception of the policy. For Motorhome and Vintage Car Insurance we have negotiated specific terms of cover with just one insurer.
Remuneration
We receive commission from insurers which is a percentage of the premium paid by you and allowed by the insurers. In addition we may charge a professional fee to cover the placing and ongoing handling of your insurance. We normally make the following standard charges to cover the administration of your insurance: Arranging new policies and renewals: £20.00, Mid-term adjustments: £20.00, Replacement/duplicate certificates or cover notes: £20.00 From time to time depending on the work and risk involved it may be necessary to charge greater fees. The specific amount and purpose of any professional fee and administration charges will always be advised to you in advance. We earn the entirety of our commission and/or fees when your risk is successfully placed and take our commission and/or fees immediately upon receipt of payment unless agreed otherwise with your insurer.
Cancellation
We will retain the commission on any refund following cancellation and charge an administration fee of £25.00.
Disclosure of Earnings
You are entitled at any time, to request information about earnings that we, or any other intermediary we have used, receive as a result of placing your business. In addition to commission from insurers, we may also receive payments based on volumes of business or profitability of the account placed with them. These payments can vary from year to year. Such remuneration is only earned on the basis that it does not detract from our obligation to act in our client's best interest at all times.
Payment Terms
We normally accept payment by cheque, BACS or credit card. A 3% charge will be levied for payment by credit card. We require full payment of the premium before cover is incepted. You may be able to spread your payments through a credit scheme either run by your insurer or by a finance provider and we will advise you further if these options are available.
How we will handle your money
Our Non-Statutory Trust account has been set up in accordance with strict rules laid down by the Financial Services Authority. We are required to inform you that we may use your premium to settle premiums due under other policies including those payable by other clients. We are the Agent of Insurers for the collection of certain premiums and hold your money on a risk transfer basis. In arranging your insurance we may employ the services of other intermediaries who are Authorised and Regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers. Any interest, or investment returns, earned on your money whilst in our possession will be retained by us.
Mid-term adjustments or cancellations
In the event of an adjustment that results in a return of premium or cancellation mid-term we will refund the premium due net of our full commission and any charge made by insurers. Where the premium is being paid by instalments we will claim our full commission along with any charge made by the insurers in the calculation of any outstanding monies.
Cancellations due to premium instalment default
If any credit agreement payment is not met, you acknowledge and agree that we may instruct on your behalf the relevant insurer to cancel the insurance and to collect any refund of premiums which may be made by the insurer and use it to offset any outstanding costs.
Insurers
Whilst we take every care to check the financial stability of any firm with which we place business, we cannot be held responsible if that firm subsequently ceases to trade.
Treating Customers Fairly (TCF)
We set high standards for ourselves and it is our intention to treat customers fairly at all times. We have appointed David Jarrold to oversee TCF within this firm. If at any time you feel that you have not been treated fairly please contact us in order that the matter may be addressed.
Data Protection
The data controller in relation to any personal data you supply is Campton Insurance Brokers (UK) Limited. Information you supply may be used for the purpose of arranging insurance on your behalf and may be disclosed to insurance companies concerned. Campton Insurance Brokers (UK) Limited and its agents may use your information to keep you informed by post, telephone, e-mail or other means about products and services that may be of interest to you. Your information may also be disclosed and used for these purposes after your policy has lapsed. Under the Data Protection Act 1988, private customers have a right to see the personal information about them that we hold in our records. If you wish to exercise this right, or have any other related queries, you should write to The Managing Director, Campton Insurance Brokers (UK) Ltd, 126 High Street, Godstone, Surrey RH9 8DX.
Prevention of Bribery
It is our intention to meet the requirements of the Bribery Act 2010. We have appointed David Jarrold with overall responsibility for the prevention of bribery. If, at any time, you feel that we have not acted in a way that meets the requirements of the Bribery Act 2010 you should contact us immediately.
Consumer Insurance (Disclosure & Representations) Act 2012
It is your duty to take reasonable care to answer all questions honestly and to the best of your knowledge. If you do not your insurance policy may be cancelled or treated as if it never existed or your claim may be rejected or not paid in full. It is important that all statements you make on proposal forms, claim forms and other documents are full and accurate. If a form is completed on your behalf, you should check that the answers shown to any of the questions are true and accurate before signing the document. Failure to provide requested information to your insurers could invalidate your insurance cover and mean that part or all of a claim may not be paid.
Disclosure of Material Facts (Commercial Customers)
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy and when you renew your insurance. Failure to disclose any material information to your insurers could invalidate your insurance cover and mean that part or all of a claim may not be paid. If you are in any doubt as to whether information is material, you should disclose it.
Claims
As part of our service we can assist you with any claim you need to make. When you first become a customer we will give you details of how you can make a claim and tell you what your responsibilities are in relation to making claims. If you are ever in any doubt as to what action to take in the event of a claim, please contact us at the address above.
Complaints
It is our intention to provide you with a high level of customer service at all times. If you should wish to make a complaint about our service we have a formal complaints procedure. In the first instance you should address your complaint to David Jarrold, Complaints Manager. We will supply you with a copy of our complaints procedure upon receipt of a complaint or at any time upon request. If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service. Alternatively other out of court complaint and redress procedures may be available.
Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Full details and further information on the compensation scheme is available from the FSCS.
Confidentiality
All personal information about you will be treated as private and confidential. We are registered under the Data Protection Act 1998 and we undertake to comply with the Act in all our dealings with your personal data. Your personal information will be kept secure.
Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud Register Insurers pass information to the Claims and Underwriting Exchange Register operated by Insurance Database Services Limited and the Motor Insurance Anti-Fraud and Theft Register compiled by the Association of British Insurers. The objective is to check information provided and to prevent fraudulent claims. Motor insurance details are also added to the Motor Insurance Database operated by the Motor Insurers' Information Centre (MIIC), which has been formed to help identify uninsured drivers and may be accessed by the police to help confirm who is insured to drive. In the event of an accident, this database may be used by insurers, MIIC and your motor insurer to identify relevant policy information. Other insurance related databases may also be added in the future.
Applicable Law
This Terms of Business document is subject to English Law and the jurisdiction of English Courts.

Privacy Policy

This privacy statement establishes how we (Campton Insurance Brokers (UK) Ltd) handle the information we learn about you when you visit our site or contact us directly. Protecting the privacy and personal data of our customers is of utmost importance to us. When we collect personal information from you we will tell you about the purposes for which we may use it. We will also tell you about any companies to whom we might disclose it. We will only disclose it to companies specifically selected by us as offering services or products, which may interest you. We will not disclose it to any other third party without your permission unless we are required to do so by law. If you do not wish to receive information about other products or services from either us or selected third parties then you may notify us of this by email or by letter. We will explicitly ask you when we need information to identify you. We may require you to co-operate with our security checks before we disclose information to you. You may update the personal information that you give us at any time by contacting us on 01883 742460.

Cookie Policy

This website uses cookies to better the users experience while visiting the website. Where applicable this website uses a cookie control system allowing the user on their first visit to the website to allow or disallow the use of cookies on their computer / device. This complies with recent legislation requirements for websites to obtain explicit consent from users before leaving behind or reading files such as cookies on a user's computer / device. Cookies are small files saved to the user's computer hard drive that track, save and store information about the user's interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website. Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors. Other cookies may be stored to your computer hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.

Security

We intend to protect the quality and integrity of your personal information. We have security measures in place to protect your data and access to this data is under strict guidelines. We protect data against any unauthorised access to the website access details, log off/exit from site when not using it and keep passwords secret. We have implemented technologies and security policies to protect stored personal data of our users from unauthorised access, improper use, alteration, unlawful or accidental destruction or accidental loss. Employees and processors who have access to personal data are obliged to respect the privacy of our visitors and the confidentiality of their personal data. Please note that although we take reasonable steps to protect data, open emails are not secure and third parties may be able to intercept, access or alter any information you send by email. We are not responsible for and cannot accept any liability for any damage resulting from email messages sent to or received by us.

Data Protection Act

All personal details submitted to us will be held in accordance with our responsibilities under the Data Protection Act 1998 (the Act) that applies in the UK. The principle purpose of collecting personal data from you via this site is to provide information or services specifically requested by you. When you complete our online enquiry form (if relevant), we ask for your contact details and other selected information so that we can deal with your request as efficiently and effectively as possible. The Data Protection Act allows you to find out what information we hold about you in return for a fee. This is known as a subject access request. Before sending you any personal data, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you personal data. You can obtain further information about data protection laws by visiting the Information Commissioner's website at www.dataprotection.gov.uk. You can search for our Data Protection Notification there, should you wish to do so. We may on occasions wish to use personal information supplied by you when you registered with us, contacted us, requested brochures or provided personal information from other services accessed from us, to inform you of new services, products and promotions which we think maybe of interest to you. If you do not wish to receive any further information from us you may inform us of this by email or by letter. If at any time you believe we have not complied with these principles, please notify us by email to insurance@campton.co.uk. We will investigate your concerns and take all reasonable steps to resolve the matter promptly. Our Data Protection Act reference is Z5852050.

Liability

Due to the nature of software and the Internet, we cannot guarantee that your access to, or running of, this website (or the processing of transactions conducted through it) shall be uninterrupted or error free. We shall not be liable if we cannot process your details due to circumstances beyond our reasonable control. The information provided on this website is for general interest only and does not constitute specific advice. We do not accept any liability if you suffer any loss as a result of using this website or relying on any information provided on it.

Website Terms

1. INTRODUCTION
1.1 Website usage agreement between Campton Insurance Brokers (UK) Ltd and the user.
1.2 Use of this site constitutes agreement with the following terms and conditions. These terms are governed by and interpreted in line with English Law. Please read these carefully.
1.3 This site is intended for the use by citizens of the United Kingdom. This site is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.
2. USE OF CONTENT
2.1 Throughout our website, trademarked names are indicated. However, rather than repeatedly show the trademark symbol, we state that we are using such names in an editorial contact with no intention of infringement of that trademark. Trademarked names, as always, remain the property of their respective companies.
2.2 We, or our licensors, own the copyright and all other intellectual property rights associated with the content save where otherwise stated.
2.3 We cannot warrant that use of the site will not be interrupted or unavailable due to any factors outside our control.
2.4 We are happy for you to download or print off copies of the content of this site (other than any quotation details) for your personal, non-commercial, use and information but, any copying or adaptation of the content, layout or code of this site, or the creation of an archive or database containing the content, for any business purpose or other commercial exploitation, without our specific consent will constitute copyright infringement.
2.5 If you do download or print off copies of the content you must retain any copyright or other intellectual property notices contained in the original material.
2.6 You may not copy, distribute or display the site or any part of it to third parties. You may not link to or mirror any part of the site. Any infringement of any intellectual property rights in this manner will result in appropriate legal action.
2.7 Any rights not expressly granted in these terms are reserved.
3. CHANGES
3.1 We are continually seeking to update and improve the site. Therefore, we may make changes to any part of the site and these conditions and you will be bound by changes to these conditions form the time you next access the site.
3.2 No purported modification of these conditions will be effective until we countersign it.
4. DOWNLOADS
4.1 You must ensure that any software downloaded from the Internet to your computer is suitable for use on your computer and that it is virus free. This applies to any software downloaded from this site so you must check all software loaded from this site and ensure it is compatible with your computer.
5. DISCLAIMER
5.1 The information on this site is provided on an ‘as is’ and ‘as available’ basis. We try to ensure, but do not guarantee or warrant, the accuracy or completeness, availability or reliability of the information on our website. Our aim is to keep this information timely and accurate. If errors are brought to our attention, we will try to correct them.
5.2 We exclude any warranty, express or implied, as to the quality or fitness for a particular purpose of any of the content on this site.
5.3 We reserve exclusive right at our sole discretion to alter, limit or discontinue part of this site. Under no circumstances shall we be liable for any loss, damage, liability or expense suffered which is claimed to result from the use of this site, including without limitation, any fault, error, omission, interruption or delay. Use of this site is at the user’s sole risk.
5.4 We make every effort to minimise disruption caused by technical errors. However, some data or information on our site may have been created or structured in files or formats, which are not error-free, and we cannot guarantee that our service will not be interrupted or otherwise affected by such problems. We accept no responsibility with regards to such problems (failure of performance, computer virus, communication line failure, alternation of content, etc.) incurred as a result of using this site or any link to external sites.
5.5 The materials on this site do not constitute medical, financial or other professional advice. You should consult an appropriate professional for specific advice tailored to your situation.
5.6 Users specifically acknowledge and agree that we are not liable for any conduct of any other user.
5.7 By accessing this site you agree that we will not be liable to you or any third party for any errors or delays in the site or for any actions taken in reliance on it. You also agree that, to the full extent allowed by applicable law, we will not be liable for any direct, indirect or consequential loss or any losses that were actually unforeseeable by us arising from the access or use of the site or from your access or use of other material on the internet via web links for this site. We do not seek to limit liability in respect of fraudulent misrepresentation nor in respect of death or personal injury directly caused by our negligence.
5.8 We reserve the right to deny at out sole discretion any user access to this site or any portion thereof without notice. We have no obligation to forward any unread or unsent messages to you or any third party.