TERMS & CONDITIONS

Moyak insurance services Terms & Conditions

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?

For the majority of products we offer we deal with a range of insurers, from which we will select a policy to meet your particular needs. In these cases, we act on your behalf and accept responsibility for the advice and services we provide in arranging your insurance. For those products where we deal with a range of insurers, our advice to you and the information we give to you is based upon a fair analysis of the market.

In some circumstance we offer the policy of a limited number of insurers or a single insurer.

A list of these insurers is available on request.

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs Our service also includes: arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make.

4. What will you have to pay us for our services?

Personal Lines New Business/ Renewal Fee: £20.00
Commercial Lines New Business/ Renewal fee: £50.00
Policy Adjustment Fee: £20.00
Refunds/Cancellation Fee: £20(Net of Commission)

Fees are non-refundable

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

5. Who regulates us?

[Moyak Limited T/as Moyak Insurance Services], [Moyak House, 18 Vicarage Lane, London E15 4HG] is authorised and regulated by the Financial Services Authority. Our FSA Register number is [300678]

Our permitted business is arranging, advising, dealing as agent and assisting in the administration of non-investment insurance contracts.

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 0845 606 1234.

6. Ownership

[Moyak Limited, T/as Moyak Insurance Services] is a Private Limited Company and no Insurer owns any of our share capital.

We do not own shares or have voting rights in any Insurer.

7. What to do if you have a complaint

If you wish to register a complaint, please contact us:

…in writing Write to [Moyak Limited]. [Complaints Department, Moyak House, 81
Vicarage Lane, London, E15 4HG]

…by phone Telephone [0208 534 9972]

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

8. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. 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.

Or

For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.