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    Terms of Business - Protection Products

    Elite Insurance Services (UK) 12 Oak Tree Avenue, Scotton, Catterick Garrison, North Yorkshire, DL9 3RE

    Telephone/Fax 01748 834667


    This Terms of Business relates solely to non-investment insurance contracts which are regulated by the Financial Conduct Authority. Elite Insurance Services (UK) is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 306077. Our permitted business is advising and arranging non-investment insurance contracts, You may check this on the FCA’s register by visiting the FCA website www.fsa.gov.uk/register/ or by contacting the FCA on 0800 111 6768.


    By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to:

    • The section headed “Use of personal data”, and specifically the paragraph explaining how sensitive personal data’ will be used.
    • The section headed “FEES & COSTS”

    If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please raise them with us immediately, otherwise we assume you are in agreement with them.


    You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we provide details on. You will then need to make your own choice about how to proceed. You understand and agree that we will not in any circumstances act as an insurer.

    We are not the insurer of any risk and we do not guarantee either the availability of an insurance contract or the financial security or warrant the solvency of an insurer.


    • We offer products from a range of insurers for Term Assurance, Critical Illness Assurance, Income Protection Insurance, Buildings & Home Contents Insurance.
    • We only offer products from a limited number of insurers for Military Kit & Home Contents insurance contracts. You may ask us for a list of the insurers we deal with for these products.
    • We only offer Personal Accident Insurance products from Arch Insurance Company (Europe)
    • We only offer Travel Insurance products from a limited number of insurers. You may ask us for a list of the insurers we deal with for these products.
    • We only offer Legal Expenses products from a limited number of insurers. You may ask us for a list of the insurers we deal with for these products.
    • We only offer Home Emergency Cover from a limited number of insurers. You may ask us for a list of the insurers we deal with for these products.


    It is essential that you are aware that you are responsible in 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 information, or misrepresent any fact which may influence the insurers decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid. You must check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign.

    It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy. You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy.


    We have not charged you a fee for arranging this insurance. In consideration of us providing the Services to you, we are paid commission direct from the insurance Product Provider ONLY on completion of the sale. We will disclose to you the commission we receive upon request.


    Elite Insurance Services (UK) does not handle clients’ money. All cheques for premiums or money of any kind must be payable to the life office, in no circumstances must a cheque be made out to us or cash given to us unless it is in relation to the above paragraph.


    Occasions can arise where we or one of our associated companies, clients or Product Providers may 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 we will detail the steps we will take to ensure fair treatment.


    We take careful consideration to recognize the interests of our customers, and to treat all customers fairly


    We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact us;

    Elite Insurance Services (UK)
    12 Oak Tree Avenue
    Catterick Garrison
    North Yorkshire
    DL9 3RE.

    BY PHONE     01748 834677

    When dealing with your complaint, we will follow our complaint handling procedures; a summary of these procedures is available on request. If you are still not satisfied, you may refer the matter to the Financial Ombudsman Service.

    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 business and the circumstances of the claim. If you are eligible to claim from the FSCS, compensation is available as follows:

    Insurance advising and arranging is covered for 90% of the claim, without any upper limit.

    Further information about compensation scheme arrangements is available from the FSCS Helpline on 0800 0234567 or Switchboard 020 7964 1000 or online at fscs.org.uk.


    In the event of a claim, the required procedures are explained in the policy documentation. Elite Insurance Services (UK) is not involved in the claims process other than providing the relevant claim telephone number.


    If having examined your policy you decide not to proceed with the insurance, you will typically have 14 days (30 days for Life Assurance contracts) to cancel it starting on the day you receive the policy documentation. You will be given full details of cancellation rights relating to a particular policy. To cancel please write to the provider or call the number shown on your policy schedule. On receipt of your notice, the provider will refund any premiums already paid, except when you have already made a claim under your policy.


    The information you have provided is subject to the Data Protection Act 1998 (the “Act”). You consent to us or any company associated with us (such companies include, for the avoidance of doubt, the Sesame Bankhall Group and/or companies, persons or entities of any nature whatsoever with which it is associated or allied from time to time) processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.

    “Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.

    We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.

    The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or mental health or condition; the commission or alleged commission of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions, religious or similar beliefs, sexual life; or your membership of a Trade Union.

    If you do not want us to use your information for marketing purposes or if at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on 01748 834677 or in writing at 12 Oak Tree Avenue, Scotton, Catterick Garrison, North Yorkshire, DL9 3RE.

    You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purposes. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

    Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.

    This is our standard Terms of Business upon which we intend to rely. For your own benefit and protection you should read the terms carefully. In seeking insurance through us, you agree to the terms contained within, including the authorisation to transfer information between parties as described above. If there are any terms within this agreement that you do not understand, please ask for further information.

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    Elite Insurance Services (UK) is authorised and regulated by the Financial Conduct Authority. No 306977

    © Copyright Elite Insurance Services (UK) Registered Office: 12 Oak Tree Avenue, Scotton, Catterick Garrison, North Yorkshire, DL9 3RE