Terms of Business
Quote My Insurance is a trading style of QMI Services Limited.
QMI Services Limited of 7-9 The Avenue, Eastbourne, East Sussex, BN21 3YA is authorised and regulated by the Financial Conduct Authority. Our firm’s registration number is TBC. We provide Insurance based leads to Brokers. You can check these details on the FCA’s register by visiting their website at http://www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
Our Terms of Business include guidance for Consumers and Brokers and are identified respectively below.
We provide a connection to approved and authorised insurance brokers for the sole purposes of offering you an insurance quote based on your requirements.
We do not sell insurance or insurance related products, nor do we offer any advice on the purchase of insurance or insurance related products.
Your Duty of Disclosure
Consumers: You must take reasonable care not to make a misrepresentation to the approved broker. This means that all the answers you give and statements you make as part of your insurance application, including at renewal, any change in circumstances and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part of or all of a claim may not be paid. Non-consumer customers: Where we arrange insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search. Your duty of fair presentation applies at the start of the policy, at renewal, any change in circumstances, and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.
Protecting Your Information
All personal information about you will be treated as private and 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 the administration of your insurance, or where we are required by law. Some or all of the information you supply to us in connection with your insurance quote request may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998 under which you have a right of access to any personal information about you that is held in our records, whether electronically or manually.
To make sure you get the best offers from our approved brokers, now, at any renewal or at any time and to protect from fraud and to verify your identity, we may use publicly available services and data which we obtain from a variety of sources and other external organisations to verify your identity. By agreeing to these terms and conditions you agree to these uses of your information.
Fees and Charges
Please note, we do not charge administration fees under this Terms of Business Agreement. Any charges associated to the services our approved brokers provide are dependant on your requirements and these are quoted by our approved brokers prior to any contract.
Consumers: Any refunds agreed with your broker and due will be paid or credited to you by them on their agreed terms laid out in their Terms of Business.
Brokers: Any refund agreed and due will be paid or credited to you the following month, this will be deducted from your monthly invoice.
Tariff of Charges
Consumers: We do not make any charges to consumers for our services.
Brokers: QMI Services Ltd charge specific to your requirements, below advises of the services we provide that are chargeable and any fixed prices are listed.
- Bespoke Campaign administration charge
- New website administration charge
- Outbound/inbound services
- Client Optimisation
By accepting this Terms of Business Agreement, you are giving your consent for us to operate in this way. Our payment terms are immediate on invoice. We require payment to terms. Payments must be made on time, in full and without deductions, set off or counterclaim. In the event, that our account is outstanding, we will refer the matter to our debt collection agent, Insurance Collection Bureau LTD, which will incur costs. Any costs incurred to collect the debt will be added to the debt, plus VAT at the prevailing rate. You agree that you will be liable to pay us that surcharge, and that payment of the same can be enforced against you in court, if you are a commercial customer you agree to pay interest at the relevant reference rate provided for under the Late Payment of Commercial Debts (Interest) Act 1998, which interest is payable both after and before any judgement of the court and continuous to accrue.
Consumers: Please read the complaints area of your Terms of Business from your broker for guidance on making a complaint.
Brokers: It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact QMI Services Limited at email@example.com. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0800 0 234 567 and further information is available at http://www.financial-ombudsman.org.uk/. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.
Please read the compensation section of your Brokers Terms of Business for guidance on seeking compensation in relation to your Insurance policy. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 020 7741 4100 or by visiting http://www.fscs.org.uk/.
Money laundering/Proceeds of crime
We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and we are prohibited from disclosing any such report.
Conflicts of interest
Brokers: As Lead generators we generally act as your supplier, providing insurance leads. In certain circumstances we may act for and owe duties of care to brokers or other parties. Where we become aware of any actual or potential conflict of interest, we will inform you of the situation, the options available to you and obtain your consent before we proceed.
Law and jurisdiction
These Terms of Business shall be governed by and construed in accordance with English Law and shall be subject to the exclusive jurisdiction of the courts of England and Wales.