Terms of Business

Healthy Horizons - Terms of Business

REGULATION

Healthy Horizons Ltd are authorised and regulated by the Financial Conduct Authority. Our Financial Services Register Number is 524580. These details can be checked on the FCA’s register by visiting their website https://register.fca.org.uk/s/ or by contacting the FCA on 0800 111 6768.  The FCA is the independent watchdog that regulates financial services.  Use this information to decide if our services are right for you. This Terms of Business comes into force on the date you receive it from us and will remain in force until you are provided with revised terms.

OUR IDENTITY

Healthy Horizons Ltd, Offices: The Pinnacle, 170 Midsummer Boulevard, Milton Keynes MK9 1BP

Registered address: 15 Malton Close, Monkston, Milton Keynes, MK10 9HR

OUR SERVICE

In arranging insurance we act as an Independent Intermediary on behalf of our customers and will [carry out a fair and personal analysis of the market, excluding unrated Insurers, on your behalf. Our service and permitted business includes advising you on your insurance needs and making a personal recommendation, arranging your insurance cover with Insurers to meet your requirements and helping you with any ongoing changes you have to make.  We can also assist you with making a claim.  We 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.

CANCELLATION RIGHTS

You are entitled to a period of reflection during which you may decide whether to proceed with the purchase of the contract.  The duration of this cancellation period is 14 days and commences from either:- 

1. The date of conclusion of the contract; or
2. The date on which you receive the full terms of the contract detailing the full contractual terms, conditions and information of the contract;                 

Whichever is the later.  To cancel the contract within the cancellation period, please write to us at the above address.  If you do not cancel the contract within the cancellation period, you may be charged a proportion of any of our fees that you have incurred.

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.

QUOTATIONS

All quotations are subject to change in respect of the amount of premium indicated and/or the Terms and Conditions that are applied

RENEWAL PREMIUMS PAID BY INSTALLMETS

In good time before the renewal of your policy, we shall contact you with the renewal premium and terms for the coming year.  If you have not contacted us before the renewal date, we shall renew the policy automatically on your behalf to ensure that you have continued cover.  If it is your intention to renew the policy, no action is required by you and the policy will renew automatically. If you do not wish to renew the policy, please let us know as soon as possible by phone or email.  We should also advise you to cancel your Direct Debiting instruction with your bank prior to the renewal date. Please note if you do not want your policy to auto-renew then you can remove this feature at any time by contacting us.  You should note though, that by removing auto-renewal you will need to ensure you renew your policy or take out alternative cover.

POLICY TERMS AND CONDITIONS

You should read through all policy terms carefully including what you are covered for and any exclusions, limitations or conditions and warranties that apply.  Please ensure you understand them and are able to follow their requirements exactly.  If not, please inform us immediately as a breach of any Terms, Conditions or Warranties may enable your Insurers to terminate your policy from the date of that breach and/or repudiate a claim under your policy.

COMPLAINTS

It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint please contact us by writing to: Complaints Department, Healthy Horizons Ltd, 15 Malton Close, Mlton keynes, MK10 9HR or by phone: 01908 990307.  If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk

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 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 claim is in respect of a relevant omission on a Professional Indemnity Policy, then 100% of the claim is covered. A relevant omission is where the firm has not passed the premium on to the Insurer or passed claim payments onto the policyholder or otherwise not taken steps and caused a contract not to be effected by the Insurer. Further information about compensation scheme arrangements is available from the FSCS.

BRIBERY ACT

Neither party shall be involved in the offering, promising or giving of any financial or other advantage to any person in breach of any law against bribery (including without prejudice to the generality of the foregoing the Bribery Act 2010). The Parties shall insofar as required to do so, and whether or not either party is an associated person of the other for the purposes of the Bribery Act 2010, maintain on an ongoing basis its own anti-corruption/bribery policies and procedures, including but not limited to adequate procedures under the Bribery Act 2010, to prevent corruption/bribery offences and will enforce them where applicable.

GOVERNING LAW

This agreement shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the (non) exclusive jurisdiction of the English Courts.