Legal Notices
Notice & Disclaimer | Terms of Business Agreement | Cookies Statement | Regulation | Third Party Web Sites, Links and Information | Governing Law and Jurisdiction
Notice & Disclaimer
Whilst we make every effort to ensure that the contents of this website is accurate, we cannot accept any liability for errors or omissions.
We shall not be liable to any persons for any loss or damage which may arise from the use of any of the information or detail contained within this website.
We make no representation that information on this website is appropriate or available for use in all countries and prohibits accessing materials from territories where contents are illegal. Those who access this site do so on their own initiative and are responsible for compliance with all applicable laws. If any part of this notice and disclaimer is deemed unlawful, void or for any reason unenforceable then that part will be deemed severable and will not affect the validity and enforceability of the remaining parts.
When using this website you are responsible for the compliance with your local laws.
Terms of Business Agreement
Financial Services Authority (FSA)
The Financial Services Authority is the independent watchdog that regulates financial services in the United Kingdom. Strategic Broking is an appointed representative of Strategic Insurance Services Limited, 46 - 48 East Smithfield, London, E1W 1AW, United Kingdom; who are authorised and regulated by the Financial Services Authority - FSA Firm Reference Number is 307133. Strategic Insurance Services Limited is authorised to carry on Regulated Activities in accordance with the permissions granted by the FSA under Part IV of the Financial Services and Markets Act 2000. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on +44 (0)845 606 1234.
We believe that all our customers, regardless of where the policy was sold, should be entitled to the same regulatory benefits and protections as those purchasing cover in a FSA regulated territory. Accordingly, wherever possible, we shall extend these benefits to all of our customers.
Confidentiality and Data Protection
We will treat all your personal information as private and confidential to us and anyone else involved in the normal course of underwriting, managing and administering your insurance, any subsequent claim or renewal, even when you are no longer a customer. We will not give anyone else any personal information except on your instructions or authority, or where we are required to do so by law, or by virtue of our regulatory requirements. In some circumstances it will be necessary for us to pass on your data to third parties, this may include, but is not limited to, underwriters, medical practitioners, hospitals, medical assistance companies, claims administrators and loss adjusters. This data will be solely for the purposes referred to above and may include sensitive information, such as your medical information. Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. If you have any queries please write to us at our usual office address.
Our Service
We are an independent insurance intermediary and underwriting agency, who acts on our customers’ behalf in arranging insurance. Our services include, but are not limited to: underwriting as an agent for various insurers; advising on insurance needs; arranging insurance cover with insurers to meet stated requirements; and helping with any ongoing changes. As part of our service, we can assist with provision of claims and assistance services.
What products we offer
We usually offer products/facilities from a single of insurer, however, under certain circumstances we may deal with a limited panel, or range of insurers, representing a fair analysis of the market. We will confirm the basis of our offerings at the outset.
Information on how we treat payments you make to us
Under the terms of our agreements with the Insurance companies with whom we place business, we normally receive premiums you pay to us as Agent of the Insurer. All insurance premiums you pay to us are protected in a Non-Statutory Trust Account until we pay insurers. We may use premiums kept in this account to provide credit to our customers, and, as a result we maintain additional capital resources and strict credit-control and monitoring procedures, as required by the FSA. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance.
What you will pay for our services
We generally receive a commission from the insurer with who we place business. If insurance has been arranged via an insurance broker or intermediary, we will pay them a commission. You should not be charged a separate amount by them if their sole consideration is the advice and provision of a product provided by Strategic Broking.
What to do if you have a complaint
It is Strategic Broking’s intention to give highest standard of service, however if you feel we have not met these standards we would like to hear from you. If there is cause for complaint we will investigate and review each case and respond in writing.
A written complaint should be submitted to:
The Complaints Manager
Strategic Broking
46-48 East Smithfield
London E1W 1AW
UNITED KINGDOM
Strategic Broking
46-48 East Smithfield
London E1W 1AW
UNITED KINGDOM
Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are, unless stated otherwise, covered by the Financial Services Compensation Scheme (FSCS). The FSCS is the UK’s statutory fund of last resort for customers of authorised financial services firms, like ourselves. The FSCS can pay compensation if an authorised firm is unable or likely to be unable to pay claims against it, usually because it has gone out of business or is insolvent.
Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without an upper limit. For compulsory insurances (for example, motor insurance and employers’ liability insurance), insurance advising and arranging is covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS.
Language used
The English language will be used for all communications, the contractual terms and conditions, and any information we are required to supply to you, before and during the duration of the contract.
Cookies Statement
This notice is provided in accordance with the 'Privacy and Electronic Communications (EU Directive) Regulations 2003'.
This website must use persistent cookies. The persistent cookie is a small piece of data that is stored in a file on the users computer hard disk.
Information in the cookie stored on your computer by this website:
- Your personal details that you have submitted onto a form for us to action delivery and billing of product purchases. Next time you visit the website you will be given the option to use the personal details previously provided so you don't need to write it all out again.
- Purchases. If you leave the site for any reason before completing a transaction the cookie will retain the contents of the purchase so that when you return you can pick up where you left off. Your purchase is NOT processed by the website until you complete the transaction.
If you submit your personal details then you have elected to accept the cookie.
Regulation
Strategic Broking is a trading style of Strategic Insurance Services Limited, 46-48 East Smithfield, London E1W 1AW, United Kingdom, who are authorised and regulated by the Financial Services Authority.
FSA Firm Reference Number is 307133.
Strategic Insurance Services Limited are authorised to carry on Regulated Activities in accordance with the permissions granted by the FSA under Part IV of the Financial Services and Markets Act 2000.
You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on +44 (0)845 606 1234.
Third Party Web Sites, Links and Information
The Site may provide hyperlinks to third party websites or access to third party content. We do not control, endorse, or guarantee content found in such sites.
You agree that we are not responsible for any content, associated links, resources, or services associated with a third party site. You further agree that we shall not be liable for any loss or damage of any sort associated with your use of third party content. Links and access to these sites are provided for your convenience only.
To the full extent permissible by law, we disclaim all responsibility for any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations.
Governing Law and Jurisdiction
You agree that all matters relating to your access to, or use of, this website shall be governed by English Law.