Please read this document carefully, it sets out the terms on which we agree to act for you and contains details of our regulatory and statutory responsibilities. Please contact us immediately if there is anything in these terms of business that you do not understand or with which you want to discuss.
Regulatory Status |
Constructaquote is a trading name of Moorhouse Group Ltd. Moorhouse Group Ltd is authorised and regulated by the Financial Services Authority. (Firm Reference Number 308035)
Under the Financial Services & Markets Act 2000, should Moorhouse Group Ltd be unable to meet their liabilities to policyholders’ compensation may be available. 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 advising and arranging is covered by 100% of the claim, without any upper limit. Further information can be obtained from the Financial Services Compensation Scheme Website at www.fscs.org.uk |
Non Disclosure of information |
It is your responsibility to provide complete and accurate information in all communication with us regarding your insurance cover. Before the contract is concluded you must disclose to us any fact or circumstance, which is known to you (or which ought to be known to you) which is material to the risk. A fact or circumstance is material if it would influence the judgment when deciding the premium or determining whether the insurance company should take the risk. Should you not act with the utmost good faith or fail to disclose any material fact or circumstance to insurers, insurers may void the contract or reject a claim. Your duty of disclosure to us does not end when the cover commences but applies through the life of your cover and when the policy is renewed. |
What will you pay for our services?
Where a transaction results in a premium credit, any refund to you will be reduced by any service charge and any other sums owing in respect of the policy |
Cooling off Period
Some insurers do not offer a cooling off period for commercial customers, and Policy Documentation should be read to understand your cancellation rights. Insurers may make a time on risk charge and we may claw back our commission. The remainder of the premium would be returned to you.
Cancellation of a policy after 14 days
If you do exercise your right to cancel your insurance contract, you will be charged by the insurer for the service provided up to the point of cancellation, please refer to the policy documentation for exact details regarding the insurers cancellation procedures. We will also make a cancellation service charge of £50 and will claw back all our commission. No refunds will be made if the return of premium is less than £25.
Policy Set-up Fee
No set-up will be charged when setting a new business policy, however a 3.5% charge will be made for credit card transactions.
Mid Term Adjustments
A service charge of £20 will be applied to make any amendments during the policy term.
Duplicate Documents
A service charge of £15 will be applied to reproduce policy documents.
A service charge of £15 will be applied to issue proof of cover letters during the policy term
The service charge will be payable at the time the additional documents are requested, and payment must be by credit / debit card or by adding the charge to your existing Direct Debit Arrangement if applicable. |
Cooling Off Period |
If you are a purchasing cover for purposes that are outside of your trade, business or profession, you have 14 days after you receive your policy documents in which to cancel the policy. The company will not charge a fee or claw back commission for any cancellations in this period. Please refer to the cancellation section in your terms of business and in the Insurers Policy Documentation for full details.
If you are a purchasing cover for purposes directly related to your trade, business or profession, all insurers do not offer this cooling off period, and Policy Documentation should be read to understand your cancellation rights. Insurers may make a time on risk charge and we may claw back our commission. The remainder of the premium would be returned to you. |
Policy Cancellation |
If you do exercise your right to cancel your insurance contract out side the 14 cooling off period, you will be charged by the insurer for the service provided up to the point of cancellation, please refer to the policy documentation for exact details regarding the insurers cancellation procedures. We will also make a cancellation charge of £50 for the service. No refunds will be made if the return of premium is less than £25.
If you are cancelling a motor insurance contract, any Uninsured Loss Recovery and Legal Expenses cover you hold with us will also be cancelled.
These charges also will apply if we cancel your contract due to non-payment or non-receipt of essential documents from you within our prescribed timescales.
In order to cancel your insurance contract please contact our Customer Service Team on 0808 1 68 68 68. One of the team will take your details and answer your questions. Please be aware we will require signed written confirmation from you advising us to cancel your policy, along with your certificate of insurance. |
Policy Documentation |
Prior to the conclusion of the arrangement of the contract you will be given a statement of demands and needs. You should read this carefully as it will set out our understanding of your demands and needs. Policy documentation can either be downloaded from the website or can be posted to you for a service charge of £5.
If you decide to have the documentation sent by post and do not receive your documents please contact our Customer Services Team on 0808 1 68 68 68, who will be able to re issue documentation to you.
If you require additional copies during the policy term a service charge of £15 will be applied to reproduce policy documents.
The service charge will be payable at the time the additional documents are requested, and payment must be by credit / debit card or by adding the charge to your existing Direct Debit Arrangement if applicable. |
Making a change during the policy term |
If you need to make a mid term adjustment please contact our customer services team who will guide you through the process. It is important to notify us of changes throughout the policy term to ensure you have the correct cover in place. When making a change please telephone 0808 1 68 68 68.
A service charge of £20 will be applied to make any amendments during the policy term. |
Renewals |
You will be provided with renewal terms in a durable medium no less than 21 days before expiry of the policy; you will be notified that renewal is not being invited. Attached to the renewal terms will be a statement of any changes to the terms of the policy, changes to price, information required under the EU Directives, and information about cancellation. You will be given an explanation of any change, where necessary and in good time, which may appear in your policy, and you will be advised of your right to request a new policy document. |
Making A Claim |
You must notify us as soon as possible of a claim or circumstances that may give rise to a claim. You should contact our Dedicated Claims Team on 0808 1 68 68 68, alternatively you can access the online Claims Notification Form on the Moorhouse Group Ltd website at www.constructaquote.com
In the event that an insurer becomes insolvent or delays making settlement we do not accept liability for any unpaid amounts. |
How to Complain |
Our complaints procedure is designed to ensure that each complaint is dealt with fairly and to your satisfaction. Moorhouse Group Ltd our dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times.
However there may be a time when the service you have received fails to meet your expectations, and in these circumstances please follow the guidelines below:
If you have a complaint regarding any part of the service you have received please contact us and we will do our best to solve the problem. Please write to:
The Compliance Officer
Consturctaquote
Barclay House
Pontygwindy Road
Caerphilly
CF83 2WJ
Or alternatively call 0808 1 68 68 68 and speak to the customers services team. |
Governing Law |
These terms of business shall be governed by and construed in accordance with English law. In relation to any legal action or proceedings arising out of or in connection with these terms of business we both irrevocably submit to the jurisdiction of the English courts. |
Data Protection |
We are registered under the Data Protection Act 1998 and we undertake to comply with the Act in all our dealings with your personal data. Your personal information will be kept secure. Please be aware that we exchange information with other Insurers to help speed up the processing of your data and to allow checks to be made on that information. You should also be aware that all insurers supply details of insurance policies to a database which the Police and other Insurers access. You have a legal right of access to your own personal data held by us - this includes paper files as well as electronic ones. You must send a written request and a payment of £10 to:
The Chief Operations Officer
Constructaquote
Barclay House
Pontygwindy Road
Caerphilly
CF83 2WJ
It is our policy to retain documents for business affected on your behalf in electronic or paper format for up to 40 years. For some types of insurance cover it is possible that a claim may be made on a contract long after its expiry date. |
Termination |
Your insurance may be terminated by the insurer or us by giving you 7 days’ notice in writing. |