TERMS OF BUSINESS
Information we will need from you
We will ask you a series of questions to establish your demands and needs and it is important that you answer each and
every question and provide us with full information. If you are unsure of a question please ask the handler to explain what is
needed to you. Your answers will form the basis of the insurance contract we arrange for you, which will satisfy your
demands and needs.
Our quotation to you
We will seek quotations from a range of insurers. Certain products may be offered on behalf of a limited range of Insurers
and where this applies, we will provide you with the names of the Insurers if you request them. Other products may be
offered on behalf of a single provider who will be named on correspondence and on your documents. Once we have all the
relevant information we will advise you and make a recommendation which is based on your demands and needs and the
answers provided by you.
Premium
All premiums quoted are inclusive of Insurance Premium Tax (IPT) as defined by HM Government.
Premium received from you will be held by us as (Agent of the Insurer) and the account is designated as per the relevant
rules. We pass premium received from you to the Insurer when requested. We earn a commission for arranging your
insurance and this goes towards our administration costs.
Administration charges
We may include an administration charge as detailed in the table below in relation to transactions arranged for you. You will
be advised of the amount to be charged at each transaction verbally, in writing or both.
Total Premium Size:
£0-£79
£80-£199
£200-£399
£400-£999
£1000 - £1499
£1500+
Adjustment Charge
Administration Charge:
Up to £10
Up to £15
Up to £20
Up to £35
Up to £40
Up to £50
Up to £25
Cooling off period and Cancellation
Your travel insurance contains a 14 day ‘cooling off period’, provided that no claims have been made and you have not travelled
during this period. A full refund will be provided.
If you cancel your policy after the first 14 days of receipt of your Policy Documents, no refund will be provided.
Complaints
We strive to provide you with the highest level of customer service at all times. However, should you wish to refer a
Complaint, please speak to our Office Manager on 0844 477 0606. If we are unable to satisfy you at this stage, please write to
our Complaints Manager at the address shown. We will respond to your letter within a reasonable timescale and do all we
can to resolve the matter. If your complaint is not resolved to your satisfaction you may refer to the Financial Ombudsman
Service details of whom are available on their website and we will provide you with contact details.
Claims
If you have occasion to claim on your policy, you must notify us immediately. We will in turn advise you how to proceed, issue you
with a claim form and notify your Insurer.
You should not agree to any course of action, other than emergency treatment, until you have agreement from your Insurer.
Newton Lee Insurance Services trading as Just Insurance Agents Ltd Victoria House, Toward Road, Sunderland, SR1 2QF 0844 4770606. Newton Lee
Insurance Services are authorised and regulated by the Financial Conduct Authority (FCA) under number 304105. This may be checked on the FCA website
www.fca.org.uk/register. For help please call the Consumer helpline on 0800 111 6768 (Freephone number).
Confidentiality
We will treat all customers’ personal information in a confidential manner and we will ask a series of questions to ensure that we are
speaking to our customer or a legal representative. We are only able to take instructions or provide information to our Policyholder
or a legal representative. The Data Controller in relation to the personal data you supply is Newton lee Insurance Services. Unless
required by Law, public interest, or by virtue of the fact that we are members of the FSA, or you give consent, all information you
supply will be kept confidential to us and parties involved in the normal course of arranging and administering your insurance. Your
data is held in compliance with the legislative requirements.
Ownership
Newton Lee Insurance Services trading as Just Insurance Agents Ltd has no shareholding or voting rights in any Insurance Company.
Law
This agreement shall be governed by the Laws of England, Wales or Scotland and the parties agree herewith that any dispute arising
out of it shall be subject to the (non) exclusive jurisdiction of the relevant court.
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.
Insurance advising and arranging is covered for 90% with no upper limit. For those products where insurance is compulsory
products are covered on a 100% basis
Further information about compensation scheme arrangements is available from the FSCS Website.
Newton Lee Insurance Services trading as Just Insurance Agents Ltd Victoria House, Toward Road, Sunderland, SR1 2QF 0844 4770606. Newton Lee
Insurance Services are authorised and regulated by the Financial Conduct Authority (FCA) under number 304105. This may be checked on the FCA website
www.fca.org.uk/register. For help please call the Consumer helpline on 0800 111 6768 (Freephone number).