Terms of Business

Agreement for ETA Services Limited

Please read these terms of business as they may affect your policy cover.

ETA Services Ltd (the ETA) is an independent intermediary that offers our own custom-designed range of insurance products. At present, these products are underwritten by UK General Insurance Limited (UKG). We have selected them as our partners because they offer value for money and good quality service.

The Financial Conduct Authority

(FCA)

The FCA is the independent watchdog that regulates the financial services industry in Britain. You should use the information detailed in your policy document to determine if our services are right for you. We are authorised and regulated by the FCA. Our FCA Register number is 313965. Our permitted business is arranging, dealing as an agent of insurers and clients and assisting in claims handling with respect to general insurance contracts. You can check this on the Financial Services Register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Our Service

We aim to provide a fast and efficient service to you on a wide range of commercial and personal insurances. After we have assessed your insurance demands and needs we will provide recommendations to ensure you are aware of the need for appropriate insurance products and assistance with claims when they arise. Documentation will be issued in a timely manner.

Disclosure

You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to:

a) supply accurate and complete answers to all the questions we or the ETA may ask as part of your application for cover under the policy;

b) to make sure that all information supplied as part of your application for cover is true and correct;

c) tell us of any changes to the answers you have given as soon as possible.

Failure to provide answers in-line with the requirement of the Act may mean that your policy is invalid and that it does not operate in the event of a claim.

Mid-Term Adjustments

Amendments to policies after inception can normally be arranged upon receipt of full details. These are subject to acceptance by insurers and payment of the premium quoted by the ETA. Quotations will be based upon the difference between the original and the amended premiums and then calculated on a pro rata basis to the normal expiry of the policy, unless otherwise determined by the insurer. Insurance premium tax will be included as applicable.

Renewals

Renewals are invited on the understanding that there have been no changes in the risk (see disclosure and changes above).

Cancellation Right

We hope that you are happy with the policies that we provide.

Breakdown Cover
Annual: You have the right to cancel this policy within 14 days of the start date of the policy without giving any reasons and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Should you cancel after 14 days we will refund you with an amount proportionate to the unexpired period remaining on the policy, unless a claim has been made.
Monthly: You have the right to cancel this insurance within 14 days of the start date of the policy, without giving any reasons, and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Should you cancel after 14 days no refund will be due and we will stop any future monthly payments being taken.

European Breakdown Cover
If you do this within 14 days of taking out this policy, or the date which you received your documents if this is later, then the premium you have paid will be refunded in full unless you have already travelled or made a claim in which case no refund will be due. This 14 day period is known as the ‘cooling off period’. If you change your mind after the 14 day cooling off period you will not be entitled to a refund.

Fleet Breakdown Cover
You have the right to cancel this policy within 14 days of the start date of the policy without giving any reasons and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Should you decide to cancel more than 14 days into the policy, we will provide a refund proportionate to the unexpired period remaining on the policy, minus the administrative cost of cancelling the policy. However, should a claim have been made, this refund will not apply.

Cycle Insurance
Annual: You have the right to cancel your policy within 14 days of the start date of the policy without giving any reasons. You will receive a refund provided no claims have been made against the certificate, minus an amount that reflects the administrative costs of arranging and cancelling the policy. Should you decide to cancel more than 14 days into the policy, we will provide a refund proportionate to the unexpired period remaining on the policy, minus the administrative cost of cancelling the policy. However, should a claim have been made, this refund will not apply.
Monthly: You have the right to cancel your policy within 14 days of the start date of the policy without giving any reasons. You will receive a refund provided no claims have been made against the certificate, minus an amount that reflects the administrative costs of arranging and cancelling the policy. Should you cancel after 14 days no refund will be due and we will stop any future monthly payments being taken.

Cycle Hire Insurance
You have the right to cancel this policy within 14 days of the start date of the policy without giving any reasons and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Should you decide to cancel more than 14 days into the policy, we will provide a refund proportionate to the unexpired period remaining on the policy, minus the administrative cost of cancelling the policy. However, should a claim have been made, this refund will not apply.

Cycle Rescue:
You have the right to cancel this policy within 14 days of the start date of the policy without giving any reasons and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Should you decide to cancel more than 14 days into the policy, we will provide a refund proportionate to the unexpired period remaining on the policy, minus the administrative cost of cancelling the policy. However, should a claim have been made, this refund will not apply.

Home Insurance
Annual: You have the right to cancel this policy within 14 days of the start date of the policy without giving any reasons and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Should you cancel after 14 days we will refund you with an amount proportionate to the unexpired
period remaining on the policy, unless a claim has been made.
Monthly: You have the right to cancel this policy within 14 days of the start date of the policy without giving any reasons and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Thereafter you may cancel the insurance cover at any time by informing us. Cover will cease at the end of the month immediately prior to the cancellation being received by us, and for which a monthly premium payment was received by us.

Mobility Scooter Rescue
You have the right to cancel this policy within 14 days of the start date of the policy without giving any reasons and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Should you decide to cancel more than 14 days into the policy, we will provide a refund proportionate to the unexpired period remaining on the policy, minus the administrative cost of cancelling the policy. However, should a claim have been made, this refund will not apply.

Mobility Scooter Insurance
You have the right to cancel this policy within 14 days of the start date of the policy without giving any reasons and you will receive a full refund unless a claim has been made. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. Should you cancel after 14 days we will refund you with an amount proportionate to the unexpired period remaining on the policy, unless a claim has been made.

Travel Insurance
If you do this within 14 days of taking out this policy, or the date which you received your documents if this is later, then the premium you have paid will be refunded in full unless you have already travelled or made a claim in which case no refund will be due. This 14 day period is known as the ‘cooling off period’. If you change your mind after the 14 day cooling off period you will not be entitled to a refund.

The ETA reserves the right to withdraw and cancel insurances if you fail to pay premiums or instalments of premiums on demand, or fail within seven days of a written request.

Payment of Premiums

Unless otherwise agreed, premiums are payable upon demand. Payment may be made by certain credit and debit cards and via direct debit. Unless an acceptable reason for non-payment by the due date is given and acknowledged and agreed in writing by the ETA, it will be assumed that further cover is not required and we reserve the right to cancel or lapse the policy or cover.

Handling of Client’s Premiums

Under the FCA’s client money rules the ETA is required to keep your money separate from our money which we will do by paying your money into a segregated bank account on trust for you or we hold your money as an agent of the insurer in which case your policy is treated as being paid for. The ETA will retain any interest earned on client money. By accepting this document you are giving your consent for the ETA to operate in this way.

Payment to Third Parties

The ETA may transfer client money to another person or company such as another broker or settlement agent for the purposes of effecting a transaction on your behalf through that person or company.

Claims and Incidents

You are reminded of the conditions included in the policy and the fact that non-compliance may invalidate cover. You should tell us without delay of any incident that could possibly give rise to a claim and where appropriate complete a report form. All third party correspondence, claims, writs, summonses, and similar documents should be forwarded immediately, unanswered, either to the ETA or to the Insurer. The ETA will act with due care, skill and diligence when acting for a customer in relation to a claim and avoid conflicts of interest.

Money Laundering/Proceeds of Crime Act

Claims payments will be made in favour of the name shown on the policy. If payment is required to a third party, a signed mandate instruction is required for the insurer to make payment to a specific payee along with a brief explanation of the request.

Confidentiality

The ETA’s files are confidential and we reserve the right to refuse to discuss matters relating to your insurance or other details held by us with any person other than you or your legal representative.

The ETA will treat all your information as confidential (even when you are no longer a customer) except where the disclosure is made at your request or with your consent in relation to administering your insurance and except where law requires us. In accordance with data protection legislation including the Data Protection Act 2018 you are entitled to copies of personal data held by us upon written application. If you do not wish to receive marketing material from us please let us know.

Complaints Procedure

We do everything we can to make sure that you receive the high standard of service you expect. If you feel you have cause for complaint regarding the information and advice related to your policy, or a claim under your policy, you should contact:

Telephone 0800 640 8786 or 0333 000 1234 or by email via customercare@eta.co.uk

Please remember to always quote your ETA number in any correspondence. This can be found at the top of your ETA customer statement.

If it is not possible to reach an agreement, you might have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than £2 million and fewer than ten staff. You may contact the Financial Ombudsman Service by letter: Financial Ombudsman Service, 183 Marsh Wall, London E14 9SR or by visiting www.financialombudsman.org.uk or telephone: 0800 678 1100.

For more information on this visit www.financial-ombudsman.org.uk. Your statutory rights are not affected if you choose to follow the complaints procedure above. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.

Compensation Arrangements

We are covered by the Financial Services Compensation Scheme (FSCS). You might 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. 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 on 020 7892 7300 or by visiting www.fscs.org.uk.

Terms of Business Agreement

The terms and conditions set out in this agreement shall be binding on both the ETA and on you the customer and will govern our relationship. No variations to these terms and conditions shall be valid unless it is in writing and signed by the managing director of the ETA. The ETA’s staff are not authorised to agree to any variation to these terms and conditions but we might vary them from time to time provided that you are always notified and agree to the change.

Law Applicable to Contract

The ETA, you and insurers are free to choose the law applicable to contract. In the absence of an agreement to the contrary the law of England will apply.

Cancellation of this Agreement

This agreement may be terminated by either party giving fourteen days’ notice in writing to the other. In the event that our services are terminated by you we shall be entitled to retain any fees or commission due.

Authorised and regulated by the Financial Conduct Authority.