Terms

Healthy Horizons - Terms of Business

About us

Healthy Horizons Ltd of 15 Malton Close, Milton Keynes, MK10 9HR is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA number is 524580.  Our service and permitted business includes advising you on your insurance needs and making a personal recommendation, arranging insurance with Insurers to meet your requirements and helping you with any ongoing changes you may have.  You can check these details on the FCA’s Register by visiting the FCA’s website http://www.fca.org.uk/register/ or by contacting the FCA on 0800 111 6768.

We provide customers with independent advice and are therefore able to compare and contrast the products of different companies that are available in the market place. Further, we will use our expertise to ensure that any policies recommended are suitable to the particular needs of our customers and only provide advice on Private Medical Insurance, Term Insurance, Critical Illness Cover, Income Protection Insurance, Cash Plans and Dental Cover of which we are knowledgeable and specialise in.

Fees and charges

We normally derive our income from commission paid to us by insurance companies which is a percentage of the total annual premium.  Where a fee or charge is payable, you will be advised before you commit to it.  Healthy Horizons does not handle client money.  We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you an invoice) or handle cash.

Disclosure requirements

It is your responsibility to provide complete and accurate information to us and Insurers when you take out an insurance policy, throughout the life of the policy and when you renew, vary or amend your insurance.  Failure to do so, or any inaccuracies in information given, could result in your insurance being invalid or cover not operating fully.    If a form is completed on your behalf, you should check that the answers shown to all questions are true and accurate before signing the document. You are advised to keep copies of any correspondence you send to us or direct to your Insurer.

Consumer Disclosure - Consumers are customers who are 'not' acting for the purposes relating to a trade, business or profession.  It is important that you ensure all statements you make on Proposal Forms, Claim Forms and other documents are true, full and accurate.

Commercial Disclosure - Commercial customers are customers who are acting for the purposes relating to their trade, business or profession. You have a duty to disclose all material facts that are known or ought to be known by the policy holders senior management, or those responsible for arranging the insurance. This allows us to provide the Insurer with a fair presentation of all material circumstances so that they can determine whether to take the risk and, if so, on what terms.

Confidentiality & data protection

We take protecting our customers data very seriously and abide by the rules of the General Data Protection Regulation (GDPR). Please refer to our Privacy Notice for information on how we hold and process your data.

Means of providing information

All information we provide will be made clear and accessible to you.  You will also be given the choice to receive the information in paper format, free of charge.  If you would like a paper copy at any time then please let us know.  At renewal we will rely on your existing choice.

How to cancel your policy

You may have a statutory right to cancel your insurance policy within a short period.  Please refer to your policy summary or your policy document for further details.  If you cancel you will receive a pro rata refund of premium from the Insurer if it is within the cooling off period.  If you wish to cancel outside this period, you may not receive a pro rata refund of premium.

How to claim

Please refer to your policy summary or your policy document if you need to notify a claim.  You should contact the insurer direct as soon as possible using the contact details provided.

Complaints

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 the Managing Director at the below address.  If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Further information is available at http://www.financial-ombudsman.org.uk/ or within our internal complaints procedure, which is available to you on request at any time.

Complaints Handling - Service Standards 

Complaints are defined by nature as ‘any expression of dissatisfaction’.  This can include complaints against Healthy Horizons Ltd, insurance providers or other third parties.  In our role as intermediaries, complaints against insurers and other third parties may be directed to us so that we can facilitate a resolution.  These service standards do not apply where a complaint has been resolved by close of business on the business day following its receipt.

Compensation arrangements

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 90% 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. Where the firm has not taken steps and caused a contract not to be affected by an Insurer on a Pure Protection Policy or General Insurance claim arising from the death or incapacity of the policyholder owing to injury, sickness or infirmity, then 100% of the claim is covered.  Further information about compensation scheme arrangements is available from the FSCS.

Site Terms

Last revised June 2019
© Copyright Healthy Horizons 2020. All rights reserved.

Introduction
This is the official website of Healthy Horizons. Our website is intended to provide free information about Healthy Horizons By using this website you are accepting the following terms and conditions - please read them carefully. If you do not wish to accept these terms and conditions, we suggest that you do not use this site. Healthy Horizons reserve the right to amend content of this website at any time.

Accessing our website
Whilst we have taken every care in the preparation of the content of our site, we cannot guarantee uninterrupted and totally reliable access to it. We cannot therefore guarantee that the information will always be up to date and free of errors. We accept no responsibility for your inability to access our site arising out of circumstances beyond our reasonable control, as access to our website is dependent upon the availability of the worldwide web. From time to time, our site may contain links to and from third party websites. If you follow a link, please note that these sites have their own privacy policies and will be subject to separate terms and conditions and we do not accept responsibility or liability for these sites.

Unauthorised use of our website

Warranty Disclaimer
All information and images contained on this website are believed to be truthful and accurate. Commentary and other materials posted on our website are provided for general information purposes only and are not intended to be relied upon by you, unless confirmed by Healthy Horizons in writing. We do not warrant, guarantee or represent that material downloaded and/or accessed via or from our website will be free of viruses and you should operate the most up-to-date virus protection software at all times.

Copyright
Work originated by us from graphics, images, logos, and data to html code belongs to Healthy Horizons Reproduction, adaptation or modification of all or any part of these contents are strictly prohibited without written permission of Healthy Horizons All materials published are owned by, or are licensed to us.

Submissions
Where you are invited to submit any contribution to this site such as 'blog' you are by submission to grant Healthy Horizons a license to use and create any derivative works for any purpose. Do not submit any contributions to our site if you do not wish to grant such rights.

Privacy
We may collect information about you when you request any information about us or our services, or submit your personal details and/or complete any forms on this website. Any information or data which you may provide to Healthy Horizons at any time will be treated as confidential and will not be traded, sold, or rented to a third party but all information is provided at your own risk as we cannot ensure the security of your data transmitted to our site. This information may include contact details, completing application forms for job vacancies or requesting further information about our services. This information will only be disclosed as may be required by English law.

Cookies are small pieces of information stored on your computer used to identify you, including your IP address, operating system and browser type. We may use cookies to track areas of the site that you have visited as well as to automate certain functions of the website and provide you with information about your account. Healthy Horizons may use this information to contact you or your company from time to time about services that may be of interest or to process any application submitted by you in connection with a job vacancy (we may keep details of applications for the purpose of vetting future applications). If you wish your details to be removed from our information store, please contact us by telephone, email or letter.

Law
These Terms and Conditions and all other express terms herein contained shall be governed and construed in accordance with the laws of England.

Your concerns
If you have any questions about material which appears on our website please contact: enquiries@healthyhorizons.org.uk or 01908 990307