Testimonials

 

 

We are an independent Intermediary that act on behalf of a number of Insurers and are authorised and regulated by the Financial Services Authority and undertake to comply with the regulations laid down by them.

The Selling of General Insurance
Our service includes advising you on your insurance needs, arranging your insurance cover with insurers to meet your requirements and helping you with ongoing changes. We will also assist you with any claim you may need to make
We offer a wide range of insurance products and have access to many leading insurers in the insurance industry. We always act on your behalf in arranging your insurance. We also act for a number of specialist intermediaries to obtain exclusive arrangements for unusual or specialist policies. Full details of any such arrangements will be provided before you make any commitment on any product we offer you.

Charges
It is not our practice to request charges in addition to the premium required by insurers, but if there are any specific charges, you will always be advised in advance.

Renewal premiums are inclusive of a £20.00 policy charge to cover Uninsured Loss Recovery / Legal Expenses Cover. It is our view that this extra cover is essential. Where a Direct Debit scheme is selected where payment is made to a finance provider on a finance agreement, interest charges are as laid down by the Finance company as shown in the credit agreement. Mid term adjustments. In the event of you being quoted an additional premium or a return premium, this will be subject to a minimum £26.25 (unless agreed otherwise, verbally) administration charge being made. Duplicate certificates. Requests for duplicate certificates will be charged for at £26.25 each.

We normally accept payment by credit/debit card or alternatively you can spread your payments through insurers’ instalment schemes or a credit scheme, which we will have arranged with a finance provider. We will give you full information about your payments options when discussing your insurance in detail.

Cancellation (subject to no accidents or claims being made)
A cancellation will only become effective from the date the certificate together with a signed and dated cancellation instruction letter, is received by Thamesbank Insurance Services. Any return of premium will be allowed as a rebate to you at the net amount given by the insurer after deducting our commission payment and an administration charge of £30.00 and any other fees deemed payable to cover any losses experienced by ourselves. In the case of a Direct Debit being paid to a finance company any refund will be made to your account with the Finance company. If there is any outstanding money due to us on your account this will be deducted from the refund given by the insurers. No refund will be allowed if there is an outstanding claim, or a fault claim is made, on your policy. Please refer to your policy / covernote wrap around folder for cancellation charges or contact us for the scale applicable to the insurer you are with via ourselves.

Statement of Fact
All Quotations are based on the information supplied to us by you and it is your duty to ensure that this is complete and accurate throughout the lifetime of your policy and at renewal, so please do check that the information is correct on your proposal from and advise us immediately should any information be missing or incorrect or should it at any time change. It is important that you ensure that all statements you make on proposal forms, claims forms and other documents are full and accurate. Your attention is particularly drawn to the importance of the declaration and signature on the insurer’s proposal forms. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate the cover and result in all or part of your claim not being paid. We would draw your attention to the relevant statement on the proposal form.

Policy Documentation
We may retain certain documents such as your Insurance Policy or Certificate whilst we are waiting for full payment of premium from you. We would not normally thereafter retain your documents on our files unless you specifically request us to keep them for you. In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any documents that you are required to have by law.

Claims Notification
In the unfortunate event that you need to make a claim, or are involved in an incident that may result in a claim being made against you it is your duty to advise your Insurers or us within a maximum period of 14 days. You must forward any correspondence you may receive immediately as failure to do so may prejudice your insurer’s position and they may look to you for compensation.

Complaints Procedure
It is our intention to provide a high level of service. If however, you have reason to complain, please put your grievance in writing to the Managing Director @ Thamesbank Insurance Services, London House, Thames Road, Crayford, Kent, DA1 4SL in the first instance. Should the matter not be resolved to your satisfaction you can write to The Financial Ombudsman Service. Further information is available at www.financial-ombudsman.org.uk Following these procedures does not affect your legal rights. We are members of the Financial Services Compensation Scheme. 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. Further information about compensation scheme arrangements is available at www.fcs.org.uk

Confidentiality/ Data Protection
All personal information about you will be treated as Private and Confidential. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance and to provide information to you about other products and services which we feel may be appropriate to you. Under the Data Protection Act 1998 you have the right to see personal information about you which we hold in our records, which you are at liberty to see at any time

Customer’s Rights of access under the Data Protection Act
Under the Data Protection Act 1998, you have the right to see personal information about you that we hold in our records. If you have any queries, please contact us.