THIS IS THE WEBSITE FOR HAVEN INSURANCE BROKERS LTD -
Haven Motor Policies or Market Balance
Our Service
Haven Insurance Brokers Limited is an independent intermediary arranging insurance for our clients. Our service includes advising you on your insurance needs, arranging your insurance cover with the insurers to meet your requirements, and helping you with any ongoing changes you have to make.
We are regulated by the Financial Services Authority (FSA) which is the independent watchdog set up by the Government under the Financial Services and Market Act 2000 to regulate financial services (including the general insurance industry) with effect from 14th January 2005, in the UK and protect the rights of retail customers. We offer a wide range of insurance products and have access to leading insurers in the market place. We are able to offer a range of personal lines and commercial products.
Disclosure -
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. It is important that you ensure that all statements you make on proposal forms, claims forms, and other documents are full and accurate. Failure to disclose information pertaining to your insurance or any inaccuracies in information given could result in your insurance policy being invalid or cover not operating fully. If you are unsure as to what constitutes a material fact please contact our office for guidance. You are advised to keep copies of any correspondence you send to us or direct to your insurer. If you are in any doubt about whether information is material you should disclose it.
Payment
To be able to offer you credit facilities we are registered under the consumer credit
act and our licence number is 523650. We accept payment by guaranteed cheque or the
following credit cards -
Charges
As an independent registered broker we are paid commission by your insurance company
details of which are available on request. We also make the following charges to
cover the administration of your insurance. With effect from 1/1/2006 -
Refunds
Refunds will be given net of commission received from underwriters less the mid term adjustment fee.
Renewals
Each and every renewal is analysed, for the majority we will phone you prior to renewal date to discuss. However, if we have been unable to make contact please feel free to telephone the office to discuss your renewal with a clerk.
Cancellation
Upon cancellation of a contract it should be noted that the insurers apply short period cancellation charges which are not proportionate to the annual premium and as these form part of the contract accepted we would ask clients to realise that such charges are made by the underwriters and not ourselves. In the event of an accident or claim occurring during the currency of the policy there may be no refund. In such an event whereby the premium is being paid by way of instalments any outstanding payments will be due. Legal protection cover / uninsured loss recovery and fees are non refundable.
Confidentiality
All personal information about our customers is treated as private and confidential. We will only use and disclose the information we have about private individuals in the normal course of arranging and administrating their insurances and will not disclose any information to any other parties without their consent. We may use information we hold about our customers to provide them with information about our other products and services which we feel may be appropriate to them.
Data Protection Act
Under the data protection act 1998 private customers have a right to see 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 right to us at our stated address.
Claims
If you need to make a claim under your policy you should contact ourselves as soon as possible in order that we can advise you of the action you need to take. We provide you with any telephone numbers you need to report the incident to your insurers. If our office is closed and you need to speak to your insurer urgently the claims telephone number can be found with your policy documents. You must report all accidents immediately even if you do not intend to make a claim.
Consumer Protection Information
It is our intention to provide you with a high level of customer service at all times.
However if at any time you are dissatisfied with the service we provide we have a
formal complaints procedure. In the first instance you should telephone or put your
complaint to the office manager who will endeavour to resolve the matter for you
at once, alternatively you can put your complaint in writing to S. Appleby-
Our FSA Registration number is 306126.
TERMS OF BUSINESS
Registered Address: 118, Charles Street, Milford Haven, Pembrokeshire, SA73 2HW
Registered in England & Wales No. 4472502
Haven Insurance Brokers Limited are authorised and regulated by the Financial Services
Authority -