About us

Who are we?

City Insurance Group is an Independent Intermediary, and is a trading style of City Broking Ltd ( No 7184645) Registered in England and Wales. Registered Office: 88/89 High Street, Winchester. SO23 9AP England. Authorised and Regulated by the Financial Services Authority (No 520574). You can check this on the FSA's register by visiting the web site www.fsa.gov.uk/register. We will advise and make a recommendation for you after we have assessed your needs. Quotations provided will be based on a fair analysis of the market.

Your duty of disclosure

Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the policy and what terms are applied must be disclosed. Failure to disclose material information may invalidate your insurance and could mean that part, or all, of a claim may not be paid.

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.

Legal fees service

If you purchased your motor insurance from us by phone or in person, the quoted cost of your policy includes a free legal service. If you bought cover online from our website this service will cost £20.00 at inception or £40.00 if used at the time of requiring the service retrospectively. For accidents that are not your fault, the service can assist you with the recovery of uninsured losses. This may include a replacement vehicle whilst yours is off the road being repaired and the recovery of associated costs. Third party insurance details must be obtained. “Wisecall Claims Assistance” operates this service on our behalf and they shall be responsible for the final decision of acceptability. For all other insurance classes legal cover may be available for an additional cost. Full details available on request.

New policies/renewal & amendment charges

In addition to premiums charged or returned by insurers we do charge up to 20% of the premium plus a £25.00 policy fee. You will be advised of any charges prior to accepting cover. When arranging car insurance online from our website, there will be a commission and a charge equal to 15% of the premium plus a £20 policy fee. The charges form part of our earnings to be able to offer professional advice and a selection of quality products in a highly competitive regulated market.

Your right to cancel your insurance

You have a right to cancel insurance you buy through us and to recover any payment made (except as stated below). You can do this by giving us notice within 14 days of your receipt of the policy document. There will be a charge made by the insurer (please refer to the insurers policy summary) and a charge made by us of £50.00. Should you cancel your policy after the statutory 14-day cooling off period, in addition to the insurers charge there will be a deduction of our 15% charge and a fee of £30. 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.

If you have a claim

If you need to make a claim or report an incident, please call us on any claims line numbers we gave you relevant to your policy. For Motor incidents, please call 0808 178 1968. This service is operated on our behalf by Wisecall claims assistance ltd.

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. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service, Their number is 0845 080 1800 or web address – www.financialombudsman.org.uk/ Your legal rights will not be affected.

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 (Tel 0207 8927300) or their website www.fscs.org.uk/

Privacy Policy

By using this Website, you expressly agree to the collection and use of your information for the purposes set out in this Privacy Policy. Your information may be used for the purposes of administering your insurance needs. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer's compliance with any regulatory rules. We may use the information you supply us to keep you informed about other products or services that may be of interest to you. We may also at times share your personal information with carefully selected approved partners who we feel may be able to offer you products, services or alternative quotes that may be of interest to you. When we do pass on your details to other firms, such firms will retain your details on their records and your information may be included on their database City Insurance requires all such third parties to treat your personal information as confidential and to fully comply with all applicable UK Data Protection and consumer legislation. City Insurance reserves the right to access and disclose personal data or information to comply with applicable laws and lawful requests. As required by the Data Protection Act 1998, we follow strict security procedures in the storage and disclosure of information that you have provided via this Website, however we cannot guarantee the security of any information you provide through the Website and use of the Internet. You agree that we will not be liable for any such security breaches. You have the right to access information we store about you. You may request this information by writing to our head office enclosing a cheque for £10.00.



How you can deal with us

On the phone number we would have supplied you with when you bought the insurance. You can visit our branches in the south of England. You can also e-mail us you’re your enquiry's to info@cityinsurance.co.uk

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. A list of all the insurers we deal with is available on request.

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.

Monthly payments by direct debit

Annual premiums can be paid by direct debit, full details will be provided prior to purchase depending on the policy type and whether the policy was bought through our website or by phone or in person. Full details are available 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.

Claims Underwriting Exchange

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

Telephone calls

Call may be recorded and monitored

Intellectual Property

All intellectual property without limitation from this website including the copyright, trademarks and all other intellectual property rights in all pages are owned by or licensed to City Insurance Group. Such material may not be used in any manner, for the avoidance of doubt, copied sold, distributed, published or reproduced in any way without prior written consent of City Insurance Group.

Accessibility

We do our utmost to provide uninterrupted access to this Website, but access may be suspended, restricted or terminated from time to time. We shall not be liable, for any reason, if the website in unavailable for any period. We reserve the right to change, modify, substitute, suspend or remove without notice any information, service or content on this website. We cannot warrant that this site will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website. The same applies to other website’s which link to or from this website. Any material and or data downloaded from this website or any of the websites mentioned is your responsibility.

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.

Who Is this Information Directed At?

The pages on this website are only directed at United Kingdom residents and comply with appropriate UK legislation and regulation.