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Personal - 0330 053 5110

Commercial - 0330 053 5115

Existing Clients - 0121 559 8896

Mon-Fri: 09:00-17:30 Sat/Sun: Closed

Terms and Conditions

Accepting Our Terms of Business

By asking us to quote for, arrange, or handle your insurance requirements, you are agreeing to the terms stated in these Terms of Business.

For your own protection, you should read these terms carefully, if you are unsure about the contents contained in this document or if you have any questions with regards to our relationship with you, please contact our office at the above address.

The Financial Conduct Authority

Nash Warren Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA register number is 466459 and you may check this by visiting the FCA website, or by contacting the FCA on 0800 111 6768.

Our Service

We are an Independent Insurance Intermediary and we will act on your behalf in

  1. Arranging your insurance to meet your requirements, or where your requirements cannot be fully met we will provide you with enough information to make an informed decision on an insurance product.
  2. Effecting any changes that you need to make your insurance
  3. Assisting with the renewal of your policy

We offer products from a range of insurers for most policies offered.

When you use our website to arrange your insurance online via our insurance partners you do so on an unadvised basis, you will need to make your own choice on the suitability of a product based on your requirements. However, should you wish to speak to an advisor prior to proceeding then please call us on 0121 559 8896.


We always aim to offer you a high level of customer service, but if you feel that at any time this level has dropped below expectations, or if you are in any way dissatisfied with any aspect of our service or the policy cover provided, we offer a formal complaints procedure. To make a complaint either write to our Customer Service Manager at our address that can be found here. Alternatively, you can call us on 0121 559 8896 or email us at

Complaints will be dealt with using our complaint handling procedure, a copy of which is available on request. If you are not satisfied with the outcome of your complaint then you may be able to raise the matter to the Financial Ombudsman Service (FOS).

Access to the FOS is available to complaints that originate from the following categories

  1. Consumers (e.g. private individuals)
  2. Businesses employing fewer than 10 persons and with a turnover of annual balance sheet total not exceeding £2,000,000
  3. Charities with an annual income of under £1,000,000
  4. Trustees of a trust with a net asset value of under £1,000,000

We are covered by the Financial Services Compensation Scheme (FSCS) and 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, if you are able to claim from the FSCS, compensation is available as follows:

Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance (such as Third Party Motor or Employers Liability) 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 on 0800 678 1100 or by visiting

Payment for Our Services

We receive commission from insurers or product providers in regards to insurance products that are provided. Commission can vary from different products and insurers; however, you can ask us at any time what commission we have earned from policies arranged on your behalf. On certain occasions we may not receive commission and in these circumstances we reserve the right to negotiate a one off fee with you. Details of any such fees will be provided at the time of quotation.

Our financial arrangements with all of our insurers and product providers are on the basis of Risk Transfer. As a result of this, we act as the agent of the insurers in collecting premiums and handling refunds that are due to customers, meaning that all monies are deemed to be held by the insurer(s) with which your insurance was arranged. Monies are held in an Insurance Broker Trust Account and a copy of the Deed Trust is available on request. Any interest that is earned will be retained by us.

Our Charges to You

In addition to the commission received, we also make the following charges to you:

New Business Fee – Up to £30.00

Commercial Risks – Minimum of 5% of the quoted premium, maximum of 20% depending on the complexity of the rick, details of any fees, however, will be disclosed to you before arrangements are concluded

Midterm Adjustments – £30.00

Renewal Fee – Up to £30.00

Lost Certificate Fee – £10.00

Referred Cheques Fee – £30.00

Cancellation Fee – 15% of the refund issued (minimum of £50.00)

Credit Card Transaction – No Charge

Please note that in respect of cancellation, your insurers may also apply their own fees or cancel on a short period rate. This means that you will not receive a pro rata refund for the unused portion of your insurance policy. In the event of cancellation after a claim there will be no refund offered and all premiums will remain payable.

Direct Debit Charges – We may offer you the facility to pay via direct debit using a finance house, in these circumstances we earn up to 7.5% of the premium funded.

Your Responsibilities

You are responsible for answering questions honestly and to the best of your knowledge regarding any proposal for insurance, providing the complete and accurate information that the insurers require. This is particularly important before taking out a policy but also at the renewal or mid-term adjustments stage to your policy. If you fail to disclose requested information, or misrepresent any fact which may represent the insurer’s decision to accept the risk of the terms offered you could invalidate the policy. In the event of this, claims made may not be paid.

You must check all the information that we provide to you on a Proposal Form or Statement of Fact and pay particular attention to any declaration contained on these documents. It is important that you read all insurance documents that are issued to you and ensure that you are aware of the cover, limitation and terms that apply. Particular attention should be paid to any warranties or conditions as failure to comply could invalidate your policy.

You must inform us of any changes in circumstances which may affect the services provided by us or the cove provided by your policy. If you are unsure about any matter please contact us.

Personal Data

We will process any personal information we obtain in accordance with the Data Protection Act 1998 during the course of providing our services to you. In administering your insurance, it will be necessary for us to pass such information to insurers or other product providers. We may disclose details to relevant parties as necessary to comply with regulatory or legal requirements and we may also contact you in order to promote products and services that we feel may be of interest to you.

Some of the details that you may be asked to provide are defined by the Act as sensitive personal data. When advising us of this information you signify your consent that we may pass this information on as outlined above.

If at any time you wish us to terminate the processing of any of the personal data we hold or to cease contacting you about our products and services, please write to the Customer Services Manager at our address which you can find here.

To make sure that we can obtain the most competitive premium on your behalf, certain insurers use public and personal data from a variety of sources including credit reference agencies.

When doing so this will leave an activity ‘foot print’ on your credit report whether this application proceeds or not. If you wish to discuss the implications of this activity please do not hesitate to contact us.

Consumer Cancellation Rights

Persons operating outside of the business trade or profession have 14 days to cancel the insurance policy without penalty. The cancellation period begins on the day of the conclusion of the contract or when the contractual terms and conditions are received. Exercising your rights to cancel means that you have withdrawn from the contract and that cover is terminated. When exercising the right to cancel, your insurers will charge you for the time that cover has been provided.

Applicable Law

This Terms of Business document is subject to English Law and the jurisdiction of English Courts.

Version 10/11/2014

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