We act as an independent intermediary on your behalf arranging the following classes
of business with a wide range of insurers, these include motor, home, taxi, motor cycle, commercial
and travel. We have selected one insurer to provide our uninsured loss recovery
service, please note this is administered by Motor Accident Assistance.
We will provide advice or information on the basis of a fair analysis of the Market.
Renewals
Due to changes in general insurance lefislation we are no longer able to offer the 14 days of grace on insurance renewals. It is therefore important that you contact us at least 3 days prior to renewal in order to prevent your policy lapsing. Once a policy has lapsed there is no cover in force.
What happens if I sell my vehicle?
In the event of the sale of the vehicle
please contact the office immediately. In some cases the policy
can be suspended pending the purchase of a new vehicle. If the
policy is paid by instalments these may still have to be paid
and depending on how long the policy has been suspended for
a credit MAY be allowable at the renewal stage.
What happens if I have a claim?
In the event of a claim please contact
our claims management helpline on 08700 784754. You will be
given detailed instructions on the procedure of how the claim
will be dealt with. In the event of a claim there are certain
accidents/incidents where your annual premium must be paid in
full, these are:
a)In the event of a total loss of claim.
b)In the event of a third party claim against you or a named
driver.
c)In the event of a payment made to an authorised repairer.
Cancelling your insurance
You may cancel your insurance at any time by telling us
in writing and sending us your certificate of motor insurance. If you or someone
else has not made a claim in the current period of insurance, a refund will be
allowed on the insurers terms. Please see the table below for an indication of
the cancellation charges. Once cancelled, policies cannot be reinstated. Commission
and instalment charges are non refundable. Approximate cancellation charges are
below (excluding commission and instalment charges).
Period of Cover up to:
| 1 month |
2 months |
3 months |
4 months |
6 months |
8 months |
Over 8 months |
| 30% |
40% |
50% |
60% |
80% |
90% |
100% |
Complaints Procedure:
If you are unhappy in any way with your
insurance, in the first instance please contact our Managing
Director either by telephone or in writing using
the address details at the bottom of the page. We will acknowledge
your complaint within five (5) working days. A full decision
after investigation will be sent to you within twenty (20)
days. If you are not satisfied with our decision you may exercise
your rights to proceed with the dispute resolution facility
by contacting Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR
What happens if I do not
have an approved Immobiliser Fitted?
In most cases the vehicle will be required to have a Thatcham
approved immobiliser fitted to it. In the event of a claim
if we have not received a certificate of fitment for such
an immobiliser you will be required to provide such proof.
Failure to do so may jeopardise the outcome of the claim,
or may result in your policy being cancelled.
What happens if I default on my
payments?
In the event of the payment plan instalments
not being met we reserve the right to cancel the policy with
immediate effect with no refund being given. If you anticipate
problems please contact the accounts department immediately.
If after cancellation of the policy there are outstanding
monies on your account you will be required to pay this amount.
Please refer to the separate sheet enclosed with your direct
debit at the inception of your policy, headed Explanation
of Direct Debit Procedure, if you cannot find this please
contact our office for another copy.
Charges:
In addition to premiums charged by the
insurer we may, at our discretion, make the following minimum
charges to cover administrative costs for these specified
activities:
| Permanent Mid-term adjustments |
£35 |
(plus commission) |
Replacement lost certificate |
£20 |
(up to) |
| Mid-term cancellations |
£35 |
(plus commission) |
Credit arrangements |
£25 |
(plus interest) |
| Renewals |
£25 |
|
Temporary amendments |
£20 |
(up to) |
| Policy fee |
£35 |
|
Invoice reminders |
£5 |
|
In the event that a debt needs to be recovered via our collection
agent, we reserve the right to add a £30 administration fee to the debt
in order to recover our costs.
Quotations:
Our quotations are guaranteed based on the information provided
at the quotation stage. Quotations are valide until the end of the current month.
We reserve the right to withdraw the guarantee if any of the information supplied
to us changes.
Windscreen Cover:
Please note that on Taxi and Commercial Vehicle policies
windscreen cover is not automatically included. Please
check with us to confirm if this is included on your policy. In the event of all
claims for windscreens please contact our claims section whi will advise you of
the claims procedure and any monetary limits which may apply. If insurers recommended repairer is not used there may be limited or no cover available.
Usefull telephone numbers:
for any useful contacts click here
Performance Insurance is a trading name of Mayfair Insurance & Mortgage Consultants Limited. We reserve the right to revise charges without notice.
You may be entitled to compensation from the Financial Services Compensation Scheme should we be unable to meet our liabilities.
Copyright © 2002 Mayfair Insurance & Mortgage Consultants Ltd. Reg. 2275219
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