City Insurance Group deal with a very wide range of insurance products. The terms and conditions below are those that apply to the sale by us of standard car or Home insurance online. If you are interested in buying any other type of insurance from us on or offline our Client services or sales channel will provide you with the applicable Terms and Conditions.

Who are we?

City Insurance Group is an Independent Intermediary, we are authorised and regulated by the Financial Service Authority. You can check this on the FSA's register by visiting the web site www.fsa.gov.uk/register. We deal with over 30 insurers and we act on your behalf in arranging your insurance cover with insurers in order to meet your requirements, and then helping you with any changes you may have to make during the life of your policy. Our Head office is 88/89 High Street, Winchester, Hants. SO23 9AP

Whose policies do we offer?

For the majority of the policies we sell we deal with a range of insurers. In some circumstances we offer the policies of a limited number of insurers or a single insurer; however, we are not contractually bound to do business in this way. Where we deal with a range of insurers or a limited number of insurers, we select a policy to meet your particular needs. The table below shows which types of policy we offer from a range of insurers, a limited number or from a single insurer. If a type of policy is not listed in the table, we offer that type of policy from a single insurer. A list of all the insurers we deal with is available on request.

Range of insurers	Limited number of insurers	Single insurer
Car Home Buildings and Contents Motorcycle Commercial Vehicles Travel Taxi	Public liability Caravan Holiday Homes Employer's Liability Collectors Cars Landlords Small Craft Motor Homes	Angel Legal Protection Home Emergency Household Legal Protection Breakdown Minibus

Client Monies

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 policy is treated as being paid for) or we hold it in a client bank account in trust for you. No interest earned by us on these monies received will be remitted to you.

Which service will we provide you with?

Insurance bought online from our Website has been purchased without Advice from us and that you have made your own mind up that is suitable for your needs. In addition to our website we have a Client service call centre, to help you with your insurance needs. Where cover is bought over the phone we will advise and make a recommendation for you after we have assessed your needs.

Your right to cancel your insurance.

You have a right to cancel any insurance you buy through us and to recover any payment made (except as stated below). You can do this by giving notice to your branch within 14 days of your receipt of the policy document. There will be a charge made by the insurer and a charge made by us of £25.00

Should you cancel your policy after the statutory 14-day cooling off period there will be a deduction of commission we would receive for the full year and a minimum deduction of £25.00 in addition to the insurers charge. We would point out that insurers might charge a short period premium that can be the number of months you have been on cover plus an additional three months premium. To qualify all insurance documentation must be returned to us.

Charges

In addition to the premium charged or returned by insurers we do charge up to 20% of all premiums plus £25.00. This will apply whether premiums are being charged or returned. The insurance company schedule will show the net amount due to them. You will be advised of any charges in advance when obtaining any quotation. The charges form part of our earnings to be able to operate in a highly competitive regulated market.

Are we covered by the Financial Services Compensation Scheme?

We are covered by the Financial Services Compensation Scheme (FSCS) and therefore you may be entitled to compensation from the FSCS if we should be unable to meet our obligations. This depends on the type of business and the circumstances of the claim.

For most types of insurance, advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

Complaints

It is our intention to provide you with the highest level of customer service at all times. In the unlikely event that you feel we have not met these standards please contact the Branch Manager either verbally or in writing, who will take details of your concerns. Details of our redress procedure will be provided to you if we are unable to resolve the situation within 24 hours. You may be entitled to refer to the Financial Ombudsman Service. Further information is available at www.financial-ombudsman.org.uk We are members of 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. Further information about the compensation scheme arrangements is available at www.fscs.org.uk/

Following the above complaints procedure will not affect your legal rights. Please provide your policy details on all correspondence. If you have a complaint against your insurer, please refer to the policy booklet for details of your insurers complaint procedure.

Further important information

What you must tell us

When you take out, renew or alter any policy, the information you supply to us is the basis on which your cover and premium are agreed. If that information is incorrect or anything changes, please let us know immediately as it could invalidate your policy or result in a claim not being paid. Any changes in information supplied will be accepted from you either verbally or in writing. Remember, you should always tell us about any change immediately please dont wait until your renewal.

How you can deal with us

On the phone number we would have supplied you with when you bought the insurance. You can also e-mail us with enquiry's - info@cityinsurance.co.uk

At renewal

We will write to you giving you notice of renewal, we will undertake a review of other insurers that might be more competitive and this will be based on the information we took from you when you first bought cover. You will need to check this information to ensure it meets your current needs and demands.

If you have a claim

If you need to make a claim on any other insurance, please call your branch. They will take your details and guide you through the claims process. Otherwise you would have been given details of how to claim together with a phone number to report the matter to your insurer. This information will be in your policy booklet.

Applicable Law

English law applies to your relationship with us. Similarly, unless you and your insurer agree otherwise, English law applies to your relationship with your insurer and your insurance contract.

Monthly payments by direct debit

Most annual policies can be paid for by direct debit using a credit agreement. For full details of the terms and conditions and interest charges, please ask. Availability is subject to status. A deposit is required. Quotations given on request. If you choose to pay by direct debit, you will be provided with a Consumer Credit Agreement. This agreement will set out your direct debit payments. Details given on request.

Other monthly payments

In some circumstances annual policies may be paid for by monthly payments in cash or by cheque or credit card. For full details of the terms and conditions and fees, please ask. Availability is subject to status. A deposit is required. Quotations given on request.

Important: our right to cancel your insurance

You are reminded that it is a term of any instalment plan we arrange on your behalf including Consumer Credit Agreements that you authorise us, as your agent, to instruct the insurers to cancel your insurance. This will be invoked if any monthly direct debit or instalment payment, or any other amount due under those agreements, is in arrears and not paid on time.

Confidentiality

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, with your consent, in relation to administering your insurance or where law requires us. As part of the FSA's duties, we may be asked to provide them with access to our customer records in order that they may carry out a review of our activities. Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to other insurance companies for underwriting and claims purposes.

Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. If you have any queries please contact us.

Claims Underwriting Exchange

Insurers share information on the claims and underwriting exchange to reduce fraud.