Evolution Insurance, Ladies Direct, Vans Direct and Quotax Insurance Services are trading names of ASA Broking Ltd and are all independent intermediaries offering a wide range of insurance products with a number of leading insurers.
ASA Broking Ltd are authorised and regulated by the Financial Services Authority (FSA), who can be contacted on 0845 606 1234 or by visiting their website at www.isa.gov.uk. Our FSA registration number is 309616.
Our Quotations are valid for 30days and are subject to acceptance of a completed Proposal Form or Statement of Fact. Cover only commences from the ‘start date’ shown on an issued Cover note or Certificate of Insurance.
Confidentiality:
Information you have supplied to Evolution Insurance is confidential and will be passed to your Insurers, other agents, member of the ASA Group of companies and public bodies for the administration of your policy or when we are required to by law. Insurers pass information to the Underwriting Exchange Register, run by the Insurance Database Services Limited (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help us check the information you have provided and also to prevent fraudulent claims.
Your duty to disclose:
It is your duty to disclose complete and accurate information, verbally or in writing, throughout the life of your policy. Any failure to disclose fact material to the insurance or any inaccuracies in answers could invalidate your insurance cover, and could result in part or all of a claim not being paid. It is an offence under the Road Traffic Acts to make a false statement or withhold any material fact for the purpose of obtaining a Certificate of Insurance.
Policy Terms:
You should check your Proposal Form/Statement of Fact, as this document, along with the Schedule and Certificate of Insurance or Cover Note, are the basis on which cover is provided. If any details are incorrect then you must telephone us immediately as this may invalidate your cover. Provided no claims have been made, we will allow you a ‘cooling-off’ period of 14 days from receipt of your policy documents, subject to a charge being made for the time the policy was on cover.
If driving other cars is permitted on your Certificate, please note that the cover provided is for third party damage only and only in the event of an emergency (always refer to your Policy booklet or ring for advice).
Claims:
In the event of a claim, in the first instance you must notify your Insurers promptly. You should never admit liability. Details of the claims procedure are in your policy booklet, alternatively contact us for the claims helpline number. In the event of a claim, we reserve the right to immediately seek full payment of all outstanding premiums.
Premium Finance:
You may choose to pay your premium by Instalments. This will be financed by Finsure Premium Finance Ltd and repayment of the loan will be by direct debit.
Policy charges:
You have the right to cancel the legal protection service and vehicle breakdown policy (if taken), within 14 days of the commencement (or renewal), and receive a full refund. We reserve the right to make a charge to cover our costs if you have used the service during this period and then exercise your right to cancel. Both products are non-refundable after this period. Your insurer may charge a premium if you wish to amend any details. Our charges include an Arrangement Fee of £0.00, and the following:
Policy Amendments: £15.00
Duplicate Documents: £15.00
Late Payment Fees: £25.00
Payment by Credit Card 2% handling charge applies
Cancellation Charge:
£35.00 (after a charge by your insurer for the time on cover)
Any special delivery requests must be payable by the policyholder
Refunds – Please note that duo to administration costs, we are unable to refund any return premium below £25.00
All premiums payable include Insurance Premium Tax (charged at the current rate)
All cheques should be made payable to Evolution Insurance
Our Service:
We will advise you and make a recommendation for you after assessing your needs, and arrange insurance cover to meet your requirements. Please note that for training purposes and your protection, all calls are recorded. Our service also includes helping you with any ongoing charges you have to make. We can be contacted on 0845 006 0190.
Complaints Procedure:
It is our aim to provide you with a first class service at all items. However, there may be an occasion when you feel that this has not been achieved. In the first instance, please contact an Insurance Advisor on 0845 006 0190. Should you remain dissatisfied please write t the Compliance Officer, Evolution Insurance, Victoria House, Victoria Street, Northampton NN1 3NR. We promise to acknowledge any formal complaint within 5 working days and have the issues investigated by a person of appropriate seniority and authority, to identify the person managing your complaint and a response be sent out within 20 working days. If for any reason this is not possible, we will write to you immediately to explain why we have been unable to resolve the matter quickly. We will also let you know when we will contact you again if more time is required to provide you with a response.
If your dissatisfaction is with your Insurer, you may wish to approach them direct. Their complaints procedure will be detailed in the policy booklet issued to you when you take out a policy with us.
Should you still remain dissatisfied with our response, or your Insurers response, you may approach the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. The Financial Ombudsman Service is an independent body that arbitrates on complaints about general insurance products.
You have 6 months from the date of your initial complaint to refer to them. |
