Terms & Conditions

Your quotation and purchased policies are provided by Quick2Compare.co.uk, a trading style of Lloyd Latchford Schemes Ltd, who is regulated by the Financial Services Authority. Registration number is 496330. You can check these details on the FSA’s Register by visiting the FSA’s website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Your duty of disclosure

Your insurance is based upon the information provided to Lloyd Latchford Schemes Ltd and you must ensure that all such information is complete and accurate, and that any facts that may influence their decision to accept and pay a valid claim are disclosed.

Failure to disclose material information may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid.

How to cancel

You may have a statutory right to cancel your policy within a short period. Please refer to your policy summary, policy document or renewal notice for further details.

Cancellation in other circumstances will be subject to the terms and conditions of your policy document.

Fees and charges

On return premiums we may deduct our commission from the return premium paid to you. We may also charge an arrangement fee which will be clearly demonstrated and included on the website that you are purchasing from.

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 above address. You may be entitled to subsequently refer it to the Financial Ombudsman Service. Further information is available at http://www.financial?ombudsman.org.uk/

How to claim

To discuss or register a new claim please contact the Lloyd Latchford Schemes Limited claim line on 01844 275555 and press 1 to register a new claim.

Protecting your information

All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where law requires us. The FSA may ask us to provide it with access to our customer records in order that it may carry out a review of our activities.

Some or all of the information you supply to us in connection with your insurance proposal may be passed to Lloyd Latchford Schemes Limited and associated parties for marketing, underwriting and claims purposes. Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the managing director at the above address.

Protecting your money

Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your insurance is treated as being paid for), or we hold it in a client bank account on trust for you. We may need to transfer your money to another intermediary in some cases. However your money will be protected at all times because of our requirements under the FSA rules. We also reserve the right to retain interest earned on this account. By accepting these Terms of Insurance Business you are giving your consent for us to operate in this way.

Compensation arrangements

We are covered by the Financial Services Compensation Scheme. 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. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at http://www.fscs.org.uk/

Privacy Notice

Please read this notice carefully as it contains important information about our use of your personal information. In this notice, we and us and our means Lloyd Latchford Schemes and any trading styles associated with the group and any holding companies, subsidiaries and other linked companies. Your personal information means any information we hold about you or anyone else in connection with any product or service we are providing to you.

We are committed to ensuring appropriate security for your personal information as required by the Data Protection Act 1998. Although absolute security cannot be guaranteed, the Site has in place measures in to protect your personal information. So that you can send your details to us with confidence, all the information you enter into this website is processed using a secure server infrastructure. We use the industry standard secure sockets layer (SSL) 128?bit encryption technology to ensure that your data is safe before it is sent anywhere for processing. If we transfer personal data to countries, or administer our services through countries whose data protection laws are not as extensive as those in the European Union, we will keep control of the information or require anyone we pass it to treat it in the same manner as we do.

By using this site you confirm that we may use your personal information for the purposes explained below. You should show this notice to anyone else whose name you give to us in connection with using this site as it will also apply to them.

How we use your personal information

We will use your personal information in order to:

• identify you each time you visit this website or wish to have a service provided;
• provide you with an insurance quotation;
• improve our services and websites;
• customise your experience, for example, provide advertisements that we think are relevant to you and which support any specific requests for information you may make;
• carry out research and analysis on the profile, interests and behaviour of all of our customers;

Sensitive Information

Some of the personal information that we ask you to provide is known as sensitive personal data. This may include information relating to your health, race, religion and any criminal convictions that you have. We will use sensitive personal data about you to provide the quotation you have requested. We may share it as set out below.