Westfield Sub Aqua & Marine Insurance Services Ltd

Westfield Sub Aqua & Marine Insurance Services Ltd
Declaration of Status & Terms & Conditions for Private Customers
Please read these terms and conditions. They may affect your policy cover.

Westfield Sub Aqua & Marine Insurance Services Ltd
Is an intermediary acting as your agent and accepts responsibility for the advice given for arranging your insurance. Westfield Sub Aqua & Marine Insurance Services Ltd is regulated by the Financial Services Authority (FSA) reference number 310385. We represent a number of insurers and undertake to comply with the FSA's rules for selling of General Insurance. You may check our current details held by the FSA by visiting their web site at www.fsa.gov.uk .Westfield Sub Aqua & Marine Insurance Services Ltd is authorised by certain Insurers to act on their behalf in the handling and administration of 'Sport Diving Insurance' contracts. For this work Insurers remunerate 'Sport Diving Insurance' separately. Any monies received will be held by us as an agent on behalf of the insurer.

Disclosure
All material fact that may affect the risk must be fully disclosed in every proposal form or communicated to insurers in writing. If in doubt as to whether a fact is material, clients should disclose it and then ask for guidance. The duty of disclosure includes all persons who may use an insured's vessel (in the case of marine insurance), and all persons that are included within the policy cover. If the disclosure is being made on behalf of a club then the person who signs such a proposal form must be an active member of the club. Westfield Sub Aqua & Marine Insurance Services Ltd cannot, in all cases, maintain a permanent record of such information disclosed to it and it is therefore the client's responsibility to re-disclose all material facts and to ensure that all statements contained in the proposal forms are correct.

Quotations
Quotations will be valid for 30 days from the date the quotation was provided. Quotations will be confirmed in writing if required. Samples of policies and all other information clients may need to make a decision can also be provided.

Renewals
Renewals are invited on the basis that there have been no changes in the risk (see above) and will be invited for renewal 21 days prior to renewal date.

Insurer & Our Security
Whilst we make regular checks on all insurance markets used, we are unable to guarantee the solvency of any insurer or underwriter. In the event that we are unable to meet our liabilities we are covered under the financial compensations scheme.

Payment of the Premium
Westfield Sub Aqua & Marine Insurance Services Ltd must receive a proposal form before cover commences and payment must also be made within 7 days or a completed Credit form must be received in order to maintain cover. Westfield Sub Aqua & Marine Insurance Services Ltd reserves the right to cancel or lapse policies where payment is not received.

Responsibility for Cover
Clients are reminded that it is their personal responsibility to ensure that they have received the required insurance certificate before they can assume cover is in place. Clients must contact Westfield Sub Aqua & Marine Insurance Services Ltd if their certificate is issued incorrectly as
this may affect the cover of the policy. No cover can be assumed until a valid certificate or cover note has been received.

Adjustments (Mid Term)
Amendments to the policies after inception can normally be arranged on receipt of full details and on return of the Certificate of Insurance (if applicable). These are subject to acceptance by insurers and payment of the Westfield Sub Aqua & Marine Insurance Services Ltd's quotation and Insurance Premium Tax and up to the maximum transaction charge of £15.00 will also be added as applicable.

Cancellation of Policies
Policyholders may cancel annual policies on return of the policy and/or current certificate of Insurance and written instructions. Subject to no claims having occurred and the cancellation terms of the policy, return of premiums maybe given, less any outstanding balance of premium. Cancelled insurance's will be subject to a scale of charges detailed by the insurers, unless otherwise stated. There is no refund on Compressor Insurance, Annual Multi Trip or Short Period Travel Insurance unless cancelled within 14 days of inception and no claims having been made and in the case of travel insurance you must have not already travelled using the policy. Westfield Sub Aqua & Marine Insurance Services Ltd reserves the right to cancel insurance's on behalf of clients who fail to pay premiums or instalments on demand or who fail, within seven days of a written request by Westfield Sub Aqua & Marine Insurance Services Ltd, to provide any Information or documentation or information required by Westfield Sub Aqua & Marine Insurance Services Ltd. All policies cancelled will not be eligible for a return of the Policy/Brokers fee that was charged at inception or renewal.

Claims
All incidents that could possibly give rise to a claim should be notified, without delay, and a report form completed. All correspondence, claims, writs, summonses etc. should be forwarded immediately, unanswered, either to the Insurer or Westfield Sub Aqua & Marine Insurance Services Ltd. Clients are also reminded of their duty to keep all losses & costs arising from an incident to a minimum. Clients are also reminded of the conditions included in the policy and the fact that non-compliance may invalidate cover.

Transaction Charge & Policy/Brokers Fee
Up to a maximum fee of £15.00 will apply to New Business, renewals, Cancellation and Mid Term Adjustments.

Documentation
Clients are reminded to keep documents/certificates & policies in a safe place. A charge of £5.00 may be made by Westfield Sub Aqua & Marine Insurance Services Ltd for duplicate documents lost by the client.

Conflicts of Interest
Situations could arise where there is a perceived interest of conflict between our role as your intermediary and our responsibilities to the insurers. In this situation we will inform you in writing and deal with any conflicts appropriately.

Complaints Procedure
Any complaint should be addressed in the first instance to Westfield Sub Aqua & Marine Insurance Services Ltd. If the complaint concerns a claim please, in the first instance, write to the Managing Director of Westfield Sub Aqua & Marine Insurance Services Ltd or the Claims Administrators. If the response is unsatisfactory the complaint may be referred to the Complaints Department at Lloyd's or the insurer concerned and ultimately to the Insurance Ombudsman. The Claims Administrators will provide the full addresses of these organisations and the referral of a complaint to any of them will not affect the insured person's rights in law.