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1.    The Client is respectfully reminded that Emson Corporate Services PLC  (hereafter called "The Company") may request any policy be lapsed by an Insurer if relevant requested information is not returned (ie proposal forms) or payment is not received in full unless specific credit terms are agreed in writing with The Company.

Where necessary legal action will be taken to recover from the Client any outstanding premium or charges made by the Insurer or The Company in respect of lapsing/cancellation of a policy.

2.    Payment terms are strictly within 30 days of date of invoice unless specific credit terms via a premium instalment plan have been agreed.

3.    Particular attention is drawn to the Client's obligation to inform Insurers (via The Company) of any material fact which may affect any potential Insurer's view and/or acceptance of a risk at the proposal stage, throughout the duration of the contract
and at renewal.

       i)     Examples of such facts (but not limited to) are change of address, occupation, trading activities or name, use of any vehicle or premises, or any alteration or modification thereto, any convictions (other than for minor parking offences), or any physical or mental defects of the Insured or his Agents or Employees or any other party who has an interest in
the policy, or of any driving of any vehicle by young and/or inexperienced drivers of which the Insurer is not already aware.
      
       ii)    Failure to disclose all material information pertaining to a risk (or any mis-representation), or any change in information previously advised to Insurers and/or The Company could result in a claim not being paid and/or the policy being voided/avoided by the Insurer(s). If you are in any doubt whether any information is material to the contract it should be disclosed.

       iii)   The interest of any other Third Party in the subject insured should be disclosed.

       iv)   It should be noted that it is an offence under the Terms of the Road Traffic Act to make any false statements or withhold any information to obtain a Certificate of Motor Insurance.

4.    The Company utilises an audited Quality Management System (QMS) that ensures the Company conducts our business activities to guaranteed standards of working practices, procedures, systems and controls to provide the very best service for our Clients and Prospective Clients - further details are available upon request. The Company also make use of a KeyFacts / Initial Disclosure Document (IDD), providing essential information about some of our range of services.

5.    The Company will separately refer to any fees or any administration charges made by either The Company or the Insurer in documentation submitted to the Client and describe the purposes for which they have been raised. The Company will disclose all such fees and charges (and their purpose) to a Client prior to the conclusion of a contract. Suitable disclosure will also be made by The Company before any liability is incurred by the Client / Prospective Client to incur any fees, ie for a quotation to be provided.

6.    The Client will be informed prior to the conclusion of any contract of specific information including a detailed statement of their specific  demands and needs (in the form of a "Client Information Record"), the principal inclusions and exclusions of the policy, the full premium and related disclosures, the jurisdiction and territorial limitations of the policy, how to make a claim and the related procedures that are required, how to express a complaint / dissatisfaction, the renewal procedure, the Company's confirmed contact information and any rights of cancellation relating to a policy.

7.    Client monies are held in a non-statutory trust. The aim of the trust is to protect the client in the event of the failure of the Company, or the failure of the bank or a third party at which the money may be held. In such a circumstance, the Company's general creditors should not be able to make claims on client money as it will not form part of this Company's
property. The fact that the Company will hold money on trust gives rise to fiduciary duties which will be owed to Clients until the money reaches the Insurer or product provider. The Company holds Client money subject to a non-statutory trust. This means that the Company is entitled to and may use Client money held on behalf of one Client to pay another Client's premium before the premium is received from that other Client, and to pay claims and premium refunds to another Client before the Company receives payment from the Insurer. However the Company is not entitled to use Client money to pay commissions before the Company receives the relevant premium from the Client.

8.    In the event that the Client should have a complaint concerning their policy they should first disclose the matter to The Company. In the first instance Nick Smallcorn (Operations Director) should be contacted as the nominated person for the administration of complaints on behalf of the Board of Directors. The Company operates an audited Complaints and Disputes policy for the handling of such matters and full details will be provided. If the Client remains unsatisfied they can contact the principal Insurer of that particular policy and if still unresolved then the matter may be referred to the Financial Ombudsman Service (FOS) - details of same are available upon request.

9.    Certain policyholders may be entitled to potential compensation under the Financial Services Compensation Schemen(FSCS). This depends on the type of business and 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.

10.  Emson Corporate Services PLC are Authorised and Regulated by the Financial Services Authority in respect of Insurance Mediation Activities only. This fact and our trading name and address may be verified by visiting the web page : www.fsa.gov.uk/register. The Company's reference number is 307155.

11.  Emson Corporate Services PLC undertake to comply with the terms of the Data Protection Act. A statement relating to the purposes for which the Company uses information provided by Clients and Prospective Clients is available.