Terms of Business
The following terms will come into force with immediate effect.
We will act on your behalf for the purposes of arranging and advising on Private Medical Insurance.
How we charge you for our services
We are normally paid commission on a product we arrange.
We prefer instructions to be in writing. If instructions are given orally they should also be confirmed in writing. We may refuse at our discretion to accept certain instructions, although such discretion will not be exercised unreasonably.
Cheques should always be made payable to the product providers only. We do not accept cash payment.
We will normally register all products in your name unless otherwise instructed in writing.
If we become aware that our interests, or those of another client, conflicts with your interests, we will inform you in writing and obtain your consent prior to proceeding with your instructions.
We will communicate appropriate risk warnings prior to providing products or services. These are for your benefit as you should understand any risks before making an investment.
Complaints and Compensation
We aim to provide you with the highest levels of customer service and care at all times. However, if something has gone wrong we want to do everything we can to put it right as quickly and effectively as possible. If you wish to make a complaint, please contact either:
For claim related complaints:
Any other complaint:
4-6 South Parade
Complaints that cannot be resolved by Eduhealth or the insurer may be referred to the Financial Ombudsman Service who will review your case if you remain dissatisfied after we have issued our final decision. The address you need to write to is:
The Financial Ombudsman Service,
Telephone: 0207 964 1000.
These procedures do not affect your legal rights.
Financial Services Compensation Scheme
Eduhealth and AmTrust are both covered by the Financial Services Compensation Scheme (FSCS). This means that you may be entitled to compensation from this scheme if either cannot meet their obligations to you. This will provide cover for 90% of the claim without any upper limit. Further information about compensation is available from the FSCS at www.fscs.org.uk or telephone 0207 741 4100.
This client agreement may be terminated at any time, by either party. Notice of termination must be given in writing and will take effect immediately upon receipt. Termination will be without prejudice to the completion of transactions already commenced on your behalf or any rights or obligations already arising. You would be expected to pay for any costs incurred up to the date of termination or a due proportion of any fees previously agreed.
Data protection policy
We are committed to protecting your privacy including sensitive personal information about you; please read this section carefully as acceptance of this insurance policy will be regarded as you having read and accepted this data protection policy.
Some of the personal information we ask for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about your health or criminal convictions). We will not use such sensitive personal data except for the specific purpose for which it is provided and to provide the services described in your policy document.
Under the Data Protection Act 1998 (DPA), you have the right to see a copy of your personal information, if you believe that any of the information we are holding is incorrect or incomplete please let us know as soon as possible. To provide a copy of the information you may be required to pay a small fee
These terms of business exclude any rights which may be conferred upon third parties by the Contracts (Rights of Third Parties) Act 1999.
This agreement is governed by English Law and the parties of this agreement hereby submit to the exclusive jurisdiction of the English Courts.
This is our standard Client Agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before agreeing to them.
If you do not understand any point please ask for further information.