H E A T H C R A W F O R D & F O S T E R L T D
UNIT 501 CENTENNIAL PARK, CENTENNIAL AVENUE, ELSTREE, HERTFORDSHIRE, ENGLAND, WD6 3FG
Telephone No. +44 (0)20 8236 3333 Authorised and Regulated by the Financial Services Authority CLIENT AGREEMENT .

In arranging general insurance, Heath Crawford & Foster Ltd are regulated by the Financial Services Authority ('FSA'), register number 305880 and act as Independent Intermediaries. This information as well as our name and address may be verified on the FSA website at www.fsa.gov.uk/register or by calling the FSA on 0845 606 1234. Our service includes: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make.

We classify all clients as 'consumers' for non-investment insurance business, which means you are afforded all protections under the rules of the Financial Services Authority (FSA). Your adviser will inform you should your circumstances dictate that we would need to classify you differently for non-investment insurance business.

FSA regulates the sales, advisory and service standards of the general insurance industry to ensure that general insurance customers are treated fairly.

We offer products from a range of insurers on the basis of a fair analysis of the market. We also offer a service to assist you with any claim you need to make.

In addition to the premiums charged by insurers, we reserve the right to make a charge of £25 when dealing with the administration of your insurance. This is to cover our costs for the issue of a cover note, duplicate certificate or policy, change of vehicle and for policies with premiums of less than £150 and the like. Any other charge will be subject to your prior agreement.

Should you cancel your policy or reduce the risk during the policy term we reserve the right to return the refund premium to you less an amount to reflect the loss of commission we suffer as a result of that refund.

It is our intention to provide you with a high level of customer service at all times. If there are occasions when we do not meet these standards, please either write to Heath Crawford and Foster Limited, Devonshire House, 582 Honeypot Lane, Stanmore, Middlesex, HA7 1JS or telephone 020 8731 5155. A copy of our full Complaints Handling Procedures is available on request.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

We are covered by the Financial Services Compensation Scheme. 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. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information is available from the Financial Services Compensation Scheme.

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy and when you renew your insurance. It is important that you ensure that all statements you make, proposal forms, claim forms and other documents are full and accurate. If a form is completed on your behalf you must check that all answers are true and accurate before signing. You are advised to keep copies of any correspondence or documents you send to us or direct to Insurers.

Please note that if you fail to disclose any material information to your insurers, or there are any inaccuracies in the information given, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid. If you are in any doubt about whether information is material, you should disclose it.

We will forward to you all documents showing ownership of your policy as soon as practicable after we receive them. Where a number of documents relating to a series of insurance are involved, we will normally hold each document until the series is complete and then forward them to you.

Information that we hold about you will be held on computer and/or in paper files under the Data Protection Act 1998. This information will be used to administer your application, to deal with queries and to bring to your attention additional services and products that may be of benefit to you. Under the Data Protection Act 1998, individuals have right to see personal information about them that we hold on our records. A charge may be made for this service. If you exercise this right, or have any other related queries, you should write to us at the above address.

The information that you give us may be disclosed to third parties, such as product providers and credit reference agencies for the purpose of processing your application, the FSA and to our Compliance Advisers. It will also enable further services to be provided to you and so that your details can be best matched with the services available. You may ask us not to contact you about additional services and products by writing to us.

Unless we are notified of any changes we shall assume the data we hold about our customers is correct and shall use it to provide quotations when policies fall due for renewal.

All quotations are subject to change in respect of the amount of premium indicated, and/or the terms and conditions that are applied. If you would like to know the amount of commission we are paid by insurers in respect of your insurance contract, this information is available upon request.

You should read through all policy terms, conditions and warranties shown on your policy documentation. Please ensure you understand them and are able to follow their requirements exactly. If not please advise us immediately as a breach of any term, condition or warranty may enable your insurer to decline your claim and/or terminate your policy.

In order to be able to offer you credit facilities, we are registered under the Consumer Credit Act and our licence Number is 327904.

Premiums that we collect from you will be segregated into and held in a Client Money Bank Account. The Client Money Bank Account is set up as a trust governed by FSA rules. We may agree to extend credit to other customers using client money from the Client Bank Account. We shall have in place, and maintain, systems and controls adequate to ensure that we are able to monitor and manage client money transactions and any credit risk arising from the operation of the trust account. If we become insolvent, the terms of the trust dictate that customers will have a prior claim on the client money in the Account according to their respective interests in the client money. The costs relating to the distribution of client money may have to be borne by the trust.

In accordance with FSA regulations, we have to inform you that in managing and/or arranging your insurance requirements we may transfer money that you have paid us in payment of an insurance premium to another insurance intermediary. By accepting the client agreement you are giving us your consent for us to act in this manner.

It may on occasion be necessary to amend our client agreement. Unless we obtain your consent, we will give you at least fourteen days notice of our intention to do so before conducting general insurance business with or for you, unless it is impracticable in the circumstances to do so.

Our client agreement may be terminated at any time without penalty by either party, giving seven days' notice to that effect to the other, but without prejudice to the completion of transactions already initiated. A due proportion of any charges for services provided shall be settled to that date.

This client agreement excludes any rights, which may be conferred upon third parties by the Contracts (Third Party Rights) Act 1999.

You should note that by agreeing to this client agreement you specifically agree to information about you being used/disclosed in the manner described.

This agreement shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the English courts.

Heath Crawford Foster Limited Client Agreement Version 2.0
last Updated 5th January 2010