Nash Warren Insurance is an Independent Intermediary & acts as your agent & accepts responsibility for advice given in arranging your insurance. We represent a number of Insurers & are authorised and regulated by the financial services authority.
Third party liability is no longer unlimited but restricted to £20m.

We are authorised and regulated by the Financial Services Authority - our Firm Reference Number is 466459. For further information you can log onto the website at www.fsa.gov.uk

Complaints:- If you wish to register a complaint in the first instance please contact Mr Phillips, either in writing, by phone or in person. If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from this scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. For compulsory classes of Insurance advising and arranging is covered for 100% of the claim without any upper limit. Monies that are held in trust by Nash Warren are held on a ‘Risk Transfer Basis’ whereby monies are co-mingled with other Insurers monies.

Duty of Disclosure:- You are reminded of the importance of disclosing in writing all information relevant to your insurance. If you are in any doubt as to whether something is relevant you should disclose it. We would particularly draw your attention to the importance of the Declaration and signature at the bottom of the form. Any failure to disclose facts material to the Insurance or any inaccuracies in your answers could invalidate the cover. All answers given by you are your responsibility. This duty applies at all times, including when renewing a policy. Insurers exchange information for the purpose of monitoring and prevention of fraudulent claims.

Driving other cars/motorcycles extension:- (motor/motorcycle policies only)
Where the above extension is granted on your policy (this will be detailed on your insurance certificate and, as such, proof of such cover will only be available when you are in possession of your certificate) the cover will be third party only and we would stress that where this extension applies it is in respect of the policyholder only and not any other drivers on the policy.

Early cancellation of policies:- You have the right to cancel this insurance. The cancellation period is 14 days. We must advise that Insurers are entitled to charge for cover provided and this charge will normally be on a pro rata basis and we will normally charge our standard fee detailed below. You must return your insurance certificate or cover note and any monies paid to you by your insurance company. In the event of early cancellation of your policy after the statutory period of 14 days short period charges will apply, along the following guidelines as a % of premium payable (subject to no claims on the policy)plus our charge, see below 1 month 2m 3m 4m 5m 6m 7m 8m over 8 months
25% 30% 40% 50% 60% 70% 80% 90% full premium
We can only cancel the policy for you on receipt of your written instructions and the return of the current insurance certificate. Cancellation will take effect from the date we receive these items.

If payment of premiums is to be collected via credit or debit card, in the event of cancellation you agree to give authority to Nash Warren to collect any shortfall in premiums from the card information provided.

Total loss claims :-All Insurance companies reserve the right to cancel the insurance policy without refund of premium in the event of them paying a claim on a total loss basis. All claims should initially be reported to us.
Unless you have an agreed value policy, all claims will be settled on a market value basis, not exceeding the declared vehicle value

Charges :-Certain policies will attract fees dependent on the amount of work involved in arranging cover. These will be advised to you and shown on receipts. In all cases we make the following charges in addition to the Insurance Premiums:
Cheques returned unpaid by your bank.....................£30.00
Fee applicable to all policies .............5% of total premium (min £5)
Policy adjustments/cancellation..........................£30.00
Provision of duplicate certificates/cover notes for taxation purposes where a policy has already been issued.........................£10.00
Instalments...........10 % of premium subject to minimum £5 per instalment
Instalments are due monthly, the deposit being paid at inception then at 30 day intervals for the agreed period of instalments. The maximum number of instalments under this scheme, including the deposit, is 4. We will retain your insurance certificate pending payment of all instalments.
In the event of a claim, regardless of circumstances we will require settlement of any outstanding instalments or premiums immediately.