Terms

In accordance with recent legislation we believe that it is important for us to bring the following matters to the attention of all our customers.

Status: Country Life Insurance Brokers Ltd. are Independent Insurance Intermediaries acting for a number of Insurers under the ABI Code of Practice.

Non-Disclosure: Your attention is particularly drawn to the importance of declaration and signature on Insurers proposal forms. Any failure to disclose facts material to the Insurance, or any inaccuracies in your answers could invalidate the cover. If you are in any doubt about what may be a material fact please advise Country Life immediately – we are here to help you. A material fact is information an Insurer would regard likely to influence the acceptance and assessment of the risk.

Administrative Charges: We are entitled to make the following Administrative Charges, at our discretion, where we feel it is appropriate.

New business – up to £20

Renewal - £10

Mid-term adjustments - £10

Duplicate Certificates - £10

THE ACTUAL AMOUNT OF ANY CHARGE WILL ALWAYS BE ADVISED
TO YOU AND SHOWN IN THE RELEVANT DOCUMENTATION 

Customers should be aware that many Insurance Companies now also make their own administrative charges for mid-term adjustments or duplicate certificates. Where we are charged by the Insurance Company, we must pass this cost onto our customers.
Direct Debit Facilities: Many leading Insurance companies now offer facilities to pay your premiums by direct debit. Please ask our staff if you would like to pay by monthly direct debit and where possible, the appropriate form will be forwarded to you. Most Insurance Companies charge an Interest rate for direct debit payments (usually around 8% of the premium) and full details of this interest charge can be found on the insurers direct debit mandate. The agreement to pay by direct debit is between the customer and the Insurance Company who will notify you direct of your monthly payments. The insurers will contact you direct if any difficulties arise on the direct debit.

Complaints Procedure: If you have a complaint about your Insurance arrangements or the service provided by Country Life Insurance Brokers Ltd., there are a number of steps you can follow to get the problem solved:

• Telephone our office and leave your name, contact number and the nature of the complaint. The matter will be investigated fully and we will call you back as soon as possible.

• If you are still unhappy, please put your complaint in writing to Mrs. C. Jenkins, Director, Country Life Insurance Brokers Ltd., Church Lane House, Church Lane, Chalfont St. Peter, Buckinghamshire, SL9 9RE

• If you are still dissatisfied, you may wish to write to the General Manager or Chief Executive of the Insurance company involved. Details will be found in your policy booklet.

• Following this you may also wish to write to the Consumer Information Department, Association of British Insurers, 51 Gresham Street, London, EC2V 7HQ

If you are still unhappy you can ask the Insurance Ombudsman to review your case by writing to The Insurance Ombudsman Bureau, City Gate 1,135 Park Street, London, SE1 9EA