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  • The insurer may cancel your policy and refuse to pay and claims. They might also be entitled to keep

any premium you have paid.

  • The insurer may not pay any claim in full.

  • Your premium may be revised and/or the compulsory excess may be amended.

  • The extent of the cover may be affected.

Please read carefully all policy documentation sent to you and inform us immediately of any incorrect information shown. If you have any difficulty understanding anything, please give us a ring and we will do our best to help you.

For your protection, insurers maintain databases to prevent fraud and the information you give us may be subject to checks.

What should you do with your policy? When a policy is issued you are strongly advised to read it carefully, as this document, the Schedule and any

Certificate of insurance is the basis of the cover you have purchased. If you are in doubt over the policy terms or conditions please seek our advice promptly. Your policy cannot be cancelled until we receive your Certificate of Insurance and a written / signed request from the policyholder. A copy Driving Licence for all drivers will be required. Failure to produce these may result in the cancellation of your policy.

What you should do if you wish to make a claim If you have any occasion to claim on your policy you must notify us immediately. We will issue you with a

claim form, if appropriate and pass all details to your insurer. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimise the loss, until you have agreement from your insurer.

If you have a complaint First speak to us on 0208 543 6347 or write to us at: Mr Mark Hare Complaints Department W E Bedford Insurance Services (Wimbledon) Ltd 265 – 269 Kingston Road, Wimbledon, London SW19 3FW We make every effort to maintain high standards of service, but if we let you down, we will try to put things right immediately. If, however, you we cannot resolve your complaint, you may be able to refer to the Financial Ombudsman Service.

Financial Services Compensation Scheme (FSCS) We are covered by the 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 and further information about compensation scheme arrangements is available from the FSCS.

Protecting your money Most insurers have granted us risk transfer, which means that when you pay us, your premium is safe and held in a trust bank account for the insurer. Where we do not have risk transfer, the money is held safely in trust for you. Client money is currently held in a non-statutory trust, the terms of which permit us to extend credit within the trust for the purpose of paying premiums to insurers before they have been received from clients. Where you have previously consented to your money being held in a non-statutory trust account, we may in

W E Bedford Insurance Services (Wimbledon) Ltd, Long Lodge, 265 – 269 Kingston Road, Wimbledon SW19 3FW Telephone: 0208 543 6347 Terms of Business - Commercial – v22032013

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