The Financial Services Authority
Accomplish is a trading name of H.S. Coleman (Insurance Services) Ltd.
H.S. Coleman (Insurance Services) Ltd is authorised and regulated by the Financial Services Authority (FSA) - registration number 169843

Our permitted business is, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts.
You may check this on the FSA’s register by visiting the FSA website - www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.

Our Service
Our role is to arrange Travel Insurance for you but we do not offer any advice on the suitability of the product for your demands and needs

We offer Single Trip travel insurance products only from Fortis Insurance Limited, Registered address Fortis House, Tollgate, Eastleigh, Hampshire, SO53 3YA. Registered Number 354568 England

We offer Annual Multi Trip travel insurance products only from Axiom Underwriting Agency Limited. Authorised and regulated by the Financial Services Authority (FSA Number 441460)
Registered Address: Globe House, 24 Turret Lane, Ipswich, IP4 1DL Registered In England and Wales No. 05547227

The travel insurance offered through Accomplish is provided by Fortis Insurance Limited or Axiom Underwriting. This selection has been made on the basis of the cover and the price that is available. Accomplish is not contractually obliged to offer these products from Fortis Insurance Limited or Axiom Underwriting and we reserve the right to change the Insurer without notice.

Complaints and compensation
We aim to provide you with a high level of customer service at all times, but if you are not satisfied, contact us:

In writing: Write to Accomplish Travel, 94 - 96 Merton High Street, London, SW19 1BD
By phone: Telephone 020 8540 7062

If you are still not satisfied, you may refer the matter to the Financial Ombudsman Service (except in the case of commercial customers with a group annual turnover of £1m or more, or trustees with a net asset value of £1m or more).

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of insurance, size of the business (if a commercial customer) and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS.

Payment for our services
We normally receive Fees from the insurers or product providers and make charges for handling your insurances as follows:
• All Travel Insurance must be arranged on-line, we do not offer telephone sales.
• A £5 amendment fee will be applied to any changes requested after the policy has been issued.
• A £5 fee will be charged for a copy of the policy after the initial documentation has been sent.
• An administration charge of £10 is applicable for cancellations

You will receive a quotation which will tell you the total price to be paid, showing any fees, taxes and charges, before your insurance arrangements are concluded. Full payment of premium and fees is due before cover commences.

Handling Client Money and/or Insurer Money
Our financial arrangements with most insurance companies are on a ‘risk transfer’ basis, which means that we hold premiums and refunds due to clients on behalf of the insurance undertaking concerned and under a risk transfer agreement. Such monies are deemed to be held by the insurer(s) with which your insurance is arranged.

You will be notified if risk transfer does not apply and, in that case, your premiums will be held by us in a non-statutory client trust account pending payment to the insurer(s) concerned. The establishment of the non-statutory trust follows the rules which the FSA introduced to protect money held by authorised intermediaries. However, you should be aware that, under the non-statutory trust account rules, we are permitted to use such monies temporarily held to advance credit to clients generally. A copy of the Deed of Trust is available on request or may be inspected at our premises during normal office hours. If you object to your money being held in a non-statutory client trust account you should advise us immediately. Otherwise, your agreement to pay the premium together with your acceptance of these Terms of Business will constitute your informed consent to our holding your money in a non-statutory client trust account.

 

Accomplish Travel Insurance - Terms of Business - Page 2 of 2

Cancellation of Insurances
You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance should be returned to us within 14 days of issue in order to receive a refund of premium, provided that a claim does not exist and travel has not taken place. An administration charge of £10 is applicable for this service.

Conflict of interests
Occasions can arise where we or one of our associated companies, clients or product providers will have a potential conflict of interest with business being transacted for you. If this happens and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.

Termination of authority
You may terminate our authority to act on your behalf with 14 days notice or as otherwise agreed without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transactions or adjustments effective prior to termination and we will be entitled to retain any and all fees or brokerage payable in relation to policies placed by us prior to the date of termination.

Your responsibilities
You are responsible for providing the complete and accurate information, which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. If you fail to disclose any material fact or other information material to the insurance this could invalidate the policy and mean that claims may not be paid. You should check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign.

Medical health requirements are explained in the policy wording booklets and also following on-line quotations for the Fortis Insurance Limited or Axiom Underwriting policies.

You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention should be paid to any warranties and conditions as failure to comply with them could invalidate your policy.

You should take note of the required procedures in the event of a claim, which will be stated in the policy documentation. Generally, insurers require immediate notification of a claim or circumstances that might lead to a claim.

You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy.

Confidentiality of personal data
All personal information is treated by us as confidential and is processed in accordance with the relevant legislation. We will not use or disclose personal information without your consent, other than in the normal course of arranging and administering your insurances, except where we are compelled by law (including by regulators or law enforcement agencies) to disclose such information. In such instances personal information held by us may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to such third parties.

Claims handling arrangements
We do not handle claims directly. Full details of how to make a claim are included in your policy wording booklet and also shown on our web site: www.accomplishtravel.co.uk/HowToMakeAClaim.htm