About us

Barry Grainger Limited, Insurance Services, 5 Chapman Way, Tunbridge Wells, Kent. TN2 3EP, are authorised and regulated by the Financial Services Authority (FSA). Our firm's Registration Number is 305659. We are permitted to arrange, advise on, deal as an agent of insurers and clients and assist in claims handling with respect to non-investment insurance policies. You can check these details on the FSA's register by visiting the FSA's website. http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Your duty of disclosure

Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer's decision to accept and pay a valid claim are disclosed.

Failure to disclose material information may invalidate your insurance and could mean that part, or all, of a claim may not be paid.

Recorded telephone conversations

For security and for training purposes your call may be recorded and will also be used as proof of the information you have provided in connection with your insurance.

How to cancel

You may have a statutory right to cancel this insurance within a short period. Please refer to your policy summary or your policy document for further details. If you cancel within 14 days you will receive a pro-rata refund of premium from the insurer (subject to no claim). Insurers are also entitled to make an administration charge and we may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance (see fees and charges). If you wish to cancel outside this period you may not receive a pro rata refund of premium. We may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance subject to no claim (see fees & charges).

Please note that we reserve the right to deduct any monies owed to us due to non payment from any return premium or any claims cheque.

Fees and charges

Please refer to our tariff of administration charges for fees payable under these Terms of Insurance Business. These will apply if you instruct us to carry out a mid-term adjustment, renewal, cancellation, etc. on your behalf.

Fees and charges tariff

* New business and renewal charges

Premiums up to £300 - £20.00
Premiums £301to£500 - £25.00
Premiums £501 and over - £30.00

* Mid term adjustments £20.00

* Cancellations or lost commission £30.00

* Returned cheque £25.00

Instalment charges

* Deposit of 50% and the balance due within 30 days £24.00

* Deposit of 33.3%, then two more of 33.3% in 30 day Intervals £36.00

* We operate various Third Party Funding arrangements and the individual agreements will show the applicable charges

How to claim

Please refer to your policy summary or your policy document if you need to notify a claim. You should contact Barry Grainger Ltd immediately or you may contact the insurer directly as soon as possible using the contact details provided.

Motor claims number 0845 4567336
Commercial or property claims 0870 1128103

Protecting your information

How we use 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 or is required by law or by our regulator, the FSA. Your personal information will be used by us for the following purposes:

• to administer and maintain your insurances
• to assist you with claims and enquiries
• to maintain your insurance records
• to keep you informed of other products and services we offer
• to enable us to conduct research and statistical analysis, and to monitor our internal customer service
• to share with other carefully selected third parties for marketing purposes

Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries please write to David Harvey, the Managing Director at the above address.

Block transfers

In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients.

This Terms of Insurance Business document constitutes both your acceptance that we may do this and your prior request for us so to do.

Protecting your money

Prior to your premium being forwarded to the insurer, and for your protection, we hold your money as an agent of the insurer (in which case your insurance is treated as being paid for). We may extend credit to other customers from this account and we may need to transfer your money to another intermediary in some cases. However your money will be protected at all times because of the requirements of the FSA rules. We also reserve the right to retain interest earned on this account. By accepting these Terms of Insurance Business you are giving your consent for us to operate in this way.

Complaints

It is our intention to provide a high level of service at all times. However, if you have a reason to make a complaint about our service you should contact David Harvey, Managing Director, at the above address or by telephone on 0870 1128103. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. Further information is available at http://www.financial-ombudsman.org.uk/. Your legal rights are not affected if the matter is referred to the Financial Ombudsman Service.

Compensation arrangements

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 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at http://www.fscs.org.uk/