Unity Insurance Services is the trading name of Scout Insurance Services Limited, a wholly owned subsidiary of The Scout Association.
Unity Insurance Services is authorised and regulated by the Financial Conduct Authority. Our firm’s Registration Number is 312976. We are permitted to arrange, advise on, deal as an agent of insurers and clients, and assist in claims handling with respect to non-investment insurance policies. You can check these details on the FCA’s Register by visiting the FCA’s website http://www.fca.org.uk/firms/systems-reporting/register/search or by contacting the FCA on
0845 606 9966.
Your duty of disclosure
Consumers: You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and statements you make as part of your insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part of or all of a claim may not be paid.
Commercial customers: If the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty to disclose all material facts whether or not the insurer asks for specific information. This duty applies throughout the life of your policy, and when you renew your insurance. Material facts are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material fact may invalidate your insurance and could mean that your claim will not be paid.
How to cancel
You may have a statutory right to cancel this policy within a short period. Please refer to your policy summary or your policy document for further details. If you cancel you will receive a pro rata refund of premium from the insurer.
In the event of you cancelling your policy outside this period, you will receive a pro rata refund except when your policy is on a minimum premium charge.
Unity Insurance Services may retain an amount that reflects the administrative costs of amending (or cancelling) the policy. (See Fees and charges) Insurers are also entitled to make an administrative charge.
Protecting your information
All personal information about you will be treated as private and confidential (even when you are no longer a client), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where law requires us.
Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Managing Director at the address below.
We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds.
By agreeing to these terms and conditions you agree to these uses of your information.
How to claim
Please refer to your policy summary or your policy document if you need to notify a claim. If in doubt about whom you should contact, please contact us on 0845 0945 702.
Products and Insurers
We arrange and administer specialist policies on behalf of charities. Our policies are tailored to the specific needs of this sector. These are generally sourced by us through a panel of insurers who we have selected on the basis of the quality of cover, price competitiveness and service they provide to our clients. You may request details of our insurers at any time. .
Our remuneration will either be commission which represents a percentage of the premium paid by you and allowed to us by the insurer, or a fee as agreed with you. If appropriate and with your consent we may receive a fee and commission. We will provide details of the remuneration we receive in respect of arranging your insurance on request.
At times it may be appropriate (and for your benefit) for us to use other parties such as wholesale brokers, excess and surplus lines brokers, underwriter managers, managing general agents or reinsurance intermediaries. These parties may also earn and retain commissions or fees for their role in providing products and services for you.
At times we may charge an administration fee for our services. This will be notified to you before you incur any cost.
In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients.
This Terms of Insurance Business document constitutes both your acceptance that we may do this and your prior request for us so to do.
Protecting your money
Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your policy is treated as being paid for), or we hold it in a separate client money bank account under the terms of a statutory trust in accordance with the FCA rules, to ensure your money is safeguarded at all times. We may transfer your money to another intermediary in some cases. We shall retain any interest earned on client money as permitted under the FCA rules.
By accepting this Terms of Insurance Business document, you are giving your consent for us to operate in this way.
It is our intention to provide a high level of service at all times. However, if you have any reason to be dissatisfied with the service we provide, you should raise the matter in the first instance with the person who handles your account. Alternatively, you should contact the Insurance Manager at the address below or ring 0845 0945 702.
If you are not happy with our final response you have the right to refer your complaint to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0845 080 1800 and further information is available at http://www.financial-ombudsman.org.uk/ If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.
We are covered by 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. Insurance advising and arranging is covered for 90% without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting http://www.fscs.org.uk/.
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