Your duty of disclosure
Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the policy and what terms are applied must be disclosed.

Failure to disclose material information may invalidate your insurance and could mean that part, or all, of a claim may 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 canceling 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.

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 youth groups and charities. Our policies are tailored to the specific needs of this sector. These are generally sourced by us through a single insurer who we have selected on the basis of the quality of cover, price competitiveness and service they provide to our clients. If however your requirements are more specialized we will endeavour to source a more specific product from any market on your behalf. You may request details of our insurers at any time.

Remuneration
Our remuneration will either be commission, payable by the insurer to us, or a fee, as outlined below. Commission represents a percentage of the premium which the insurer pays to us. We will provide details of the remuneration we receive in respect of arranging your insurance on request.

Fees and charges
Fees and charges payable under this Terms of Insurance Business document are as follows: Returned cheque - £10.00; Instalment Plan Administration Fee - £5.00 or £10.00 (varying conditions apply, but you will be advised of this in advance.); Instalment Plan Late Payment Charge - £10.00; Amendment/Cancellation Fee - £5.00 (may be charged, but you will be advised of this in advance).

Block Transfers
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 FSA 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 FSA rules.

By accepting this Terms of Insurance Business document, you are giving your consent for us to operate in this way.

Complaints
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: 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.

Compensation arrangements
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 100% of the first £2,000 and 90% of the remainder of the claim, 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: www.fscs.org.uk.

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