Terms and Conditions
ABOUT US
Perfect Health Insurance Services Limited is authorised and regulated by the Financial Services Authority, registered number 463742.
Our principal activity is selling and administering a range of insurance products.
SERVICES
We act as an intermediary between our customers and insurers; this involves making an assessment of your needs and making recommendations to you about Private Medical Insurance and Dental Insurance. This service covers: giving you advice on a wide range of insurance issues, assessing those areas where cover may be beneficial, liasing with insurers to arrange policies on your behalf and helping you maintain cover as your circumstances change. We also provide advice and assistance with regard to making claims, although the claims process itself is dealt with by the insurer directly.
Upon payment of any premiums due, we will forward your policy documentation onto you as quickly as possible.
REMUNERATION
We are remunerated both by fees paid by our customers and commissions paid by insurers. Any commissions due are payable out of the premium paid by the customer. Should we agree to charge a fee for our services this will be discussed with you and confirmed in writing.
CANCELLATION
We will give you as much information as possible to help you make an informed opinion before you finally commit to your policy. Individual customers have the right to cancel an insurance policy within 14 days of paying the premium. The cancellation period begins on the day after the customer receives their full policy documentation.
CONFIDENTIALITY
Any information we hold which relates to individuals or businesses is treated as confidential. It will be necessary for us to disclose relevant information to insurers or other parties, when acting on your behalf, where we consider such information to be material to the risks covered, or for internal review or audit purposes. Sensitive information will be handled with discretion and no personal information relating to an individual will be divulged without your written consent.
COMPLAINTS
It is our aim to provide our customers with the highest levels of service at all times. However, in the event that you are dissatisfied, for any reason, we will endeavour to make amends. If you are still unhappy you should contact Andrew Tripp at our Head Office using the address advertised on this website.
In the event that we are unable to resolve a situation, or if you are dissatisfied with the way in which we have dealt with your complaint you can contact the Financial Ombudsman:
Financial Ombudsman Service
183 Marsh Wall
London E14 9SR
Consumer Helpline
(open 8am to 6pm, Monday to Friday)
* 0300 123 9 123
(This number is free if you pay a monthly charge for calls to numbers starting 01 or 02.)
* 0845 080 1800
Calls to this number cost up to 4p a minute for BT customers – and may be free on some BT plans.
But you will probably have to pay more if you use another phone company or call from a mobile phone.
FINANCIAL SERVICES COMPENSATION SCHEME
We are covered by the Financial Services Compensation Sccheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. Insurance advice and arrangement is covered for the first £2000 and 90% of the remainder of the claim without any upper limit.
For further information go to www.fscs.org.uk
YOUR RESPONSIBILITIES
You are responsible for providing us and your insurers with the information we request from you to enable us to seek the cover you require. It is important for you to understand that any information, statements or answers made by you to us or the insurers are your responsibility and must be correct. Failure to disclose material facts to the insurer or inaccuracies in your answers, may invalidate your insurance cover. Material facts are matters of information which may influence your insurer as to the acceptability or otherwise of your proposal or renewal and must be disclosed.
You should also note that the disclosure of material facts not only applies at the commencement or renewal of your policy but also at any time during the lifetime of your policy. It is your responsibility to advise us, as soon as possible, of any changes in your circumstances which may affect our service to you or the cover provided under your policy. This should also include any changes to the members within a multiple scheme.
You are responsible for reviewing the evidence of insurance cover and other related documents which may be sent to you from time to time to confirm that it accurately reflects the cover, conditions, limits and other items that you require. Particular attention should be paid to policy conditions as failure to comply may invalidate your cover. If there are any discrepancies you should contact us immediately.
You must provide settlement with cleared funds of all monies due in good time, direct to an insurer in accordance with the payment date as specified in either the Policy documentation or other relevant payment documentation. Failure to pay on the appropriate date may lead to insurers cancelling your policy. Premiums include insurance premium tax at the current rate.
CLIENT MONEY
We are not allowed to hold client’s money on their behalf. If you wish us to pass on money to a third party insurer this must be by way of a cheque made payable to the insurer.
CANCELLATION OF THIS AGREEMENT
The arrangement between Perfect Health and our customer can be cancelled by either party if notice is given in writing. In the event that the agreement is terminated by the customer, we will be entitled to receive all fees payable and any commissions outstanding.
