Terms & Conditions | Click n go Insurance

Within our role as your insurance advisor we have to make contact other 3rd parties involved in insuring you, your family or property. It is assumed we have your permission to do this at our discretion: if, however, you have any special requirements regarding this please let us know as early as possible.

Under the terms of the FSA rule book we have a duty of care to advise you on protection and insurance products that are available to protect you, your dependents, your home, and your insurance payments. We will also provide you with information relevant to your insurance needs. Our advice will also depend on your particular requirements and on the market conditions at the time.

KEY FACTS

Download our Key Facts document here

LIABILITY

Click n go Insurances provides the Site for your general interest and information only. We do not accept any liability if you suffer any loss as a result of visiting this Site. By using the Site you hereby agree not to rely on any of the information contained herein.

AGENCY STATUS

In the arrangement of insurances we are acting as your (our client) agent in the negotiations with Insurers on your behalf. Click n go Insurances.

DUTY OF PRIVACY & THE DATA PROTECTION ACT

We will treat all your personal information as private and confidential (even when you are no longer a customer) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to your insurance policy.

Information held by us will be processed only for the purposes for which we have registered under the Data Protection Act. To obtain a copy of this information write to Customer Services, Click n go Insurance, GHL House, 12 - 14 Albion Place, Maidstone, Kent, ME14 5DZ. We may charge a reasonable fee for this service.

Telephone calls to Click n go Insurances may be recorded for training & monitoring purposes.

LEGAL REPRESENTATION

As part of our service we aim to provide our clients with a complete package regarding their insurance requirements. We can offer you a panel of solicitors from which you may choose your legal adviser. These firms are known to us and have provided a reliable service to date. We must make it clear though that we cannot be held responsible for the performance of their professional duties.

This in no way restricts your right to use a firm of your own choice.

CUSTOMER FEEDBACK

We welcome all customer feedback and have procedures in place to ensure that it is dealt with fairly and consistently, and is properly recorded. Any suggestions that you make about how we may improve our service may be sent to Customer Services, Click n go Insurances, GHL House, 12 - 14 Albion Place, Maidstone, Kent, ME14 5DZ or e-mail us at advisor@clickngoinsurances.co.uk

KEEPING YOU INFORMED

You do not have to give us any personal information in order to use many of the pages of this website. However, any information which you choose to give us via this website may be added to our marketing database and may be used by us for marketing our services and our events.

Click n go Insurance Brokers for independent insurance advice. Call our team for more information or alternatively complete the quick application form.

INTELLECTUAL PROPERTY

The copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text and graphics, logo's, branding and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.

You shall retain ownership of the data you submit to the Website. You grant us a world-wide, royalty-free, non-terminable licence to use, copy, distribute, publish and transmit such data in any manner.

BROKERAGE FEES

Click n go Insurances charge fees that will be disclosed to you.

We may charge a reasonable fee for completing a fact find, researching the market and preparing and sending your documents to you to complete and return. We will then check your documents and submit the case to the Insurer. THIS FEE IS NON REFUNDABLE.

If we find out that any information disclosed or not or we are misled or misinformed incorrectly then we have the right to terminate any contracts.

TREATING CUSTOMERS FAIRLY

The Directors and Senior Management of Click n go Insurances are committed to ensuring that the FSA principle of treating customers fairly (TCF) is applied in all areas of our day to day business activities.

In adopting the TCF principle we recognise that fair treatment of our customers is about adding value to the service we offer by aiming to:

Protect the interests of our customers at each stage of the product life cycle, from promotion right through to after sales service.
Meet as best we can the unique needs of each customer by offering a transparent, efficient and professional service, and constantly reviewing our service to identify areas for improvement.
In practical terms for the different areas of our business this means:
Ensuring that promotional material is clear, compliant, jargon free and appropriately targeted.
Ensuring that sales staff (both on and off-site) have thorough training on all products they advise on or sell, understand who they are and aren't suitable for, and are encouraged to challenge product providers where they spot inconsistencies, ambiguities or potential unfairness in the product literature or product features.
Operating sales remuneration systems which assure fairness to the customer as well as customer satisfaction, rather than only rewarding sales volumes.
Finding ways to encourage non sales staff to implement TCF in their day to day business activities
Keeping detailed records of customer instructions and profile/attitude to risk, and of the advice and options given before, during and after a sale - to help ensure we treat customers fairly and can deal with any complaints that may arise swiftly and fairly.
Encouraging after sales contact with clients where appropriate to correct or improve on the service already offered.
Ensuring that customer complaints are assessed fairly, promptly and impartially, and in line with FSA deadlines and rules.
Encouraging staff to recommend improvements to service following customer complaints - and monitoring the outcome.
Ensuring that staff are kept up to date with relevant training in relation to competence, data protection and other matters directly affecting the quality of service offered to customers.
Offering regular training in the principle of TCF at all levels of the business.
Regularly monitoring and reporting on all of the above TCF activities as part of the company's monthly statistics/MI, in order to assess TCF performance across the business and recommend changes where appropriate.
Ensuring that TCF values, which are set and communicated by Senior Management, are supported by all staff and understood in the same way.

ACCESSING OUR WEBSITE AND CONTENT

We will always try to provide you with uninterrupted access to Our Website, but we can not make any promises about this and may terminate, suspend or restrict your access to Our Website at any time.

OUR WEBSITE CHANGES REGULARLY

We make every reasonable effort to ensure that the content available to you on our Website is up to date and accurate and for this reason we make changes to our Website on a daily basis. Accordingly it is generally not possible to notify you about any changes that we make to Our Website.

TRANSACTION CONCLUDED THROUGH OUR WEBSITE

Our Website is entirely free to use. However, Our Website contains links to other sites and resources provided by third parties which may offer you products or services for a fee. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

It is up to you whether or not you chose to obtain products or services from third parties through clicking on a link in Our Website to the Website of a third party. However, if you do decide to do this, then you will be leaving Our Website and Your use of any third party website including any payments you may make to them for their products and services will be governed by their terms and conditions of supply and not by these terms.

Accordingly we strongly suggest that you also read the terms and conditions of any third party Website that you may access through clicking on a link from Our Website. We remind you that we can not be responsible or liable for the content, advertising, products services or the use you make of any third party Websites.

CHANGES TO THESE TERMS AND CONDITIONS

We may need to amend or change our terms and conditions from time to time. You will still need to agree to them, so you should regularly check this document when you use Our Website. It is important that you do this because if you keep using Our Website, We will assume that you have agreed to any changes that we have made to our terms and conditions. These terms and conditions were last updated on August 20th 2008.

DISCLAIMER

By submitting this form you are consenting to your information being passed to Click n go Mortgages and its associates GHL Network services LTD who is an appointed representative of Openwork LTD, which is authorised & regulated by the Financial Services Authority. Who may contact you. This information may be used by us to advise you of other useful products or services that we develop.