Who we are
K.S.L Thomas & Co Ltd, 205 South Street, Romford , Essex, RM1 1QX is authorised and regulated by the Financial Conduct Authority. Our firms reference number is 301515. Our permitted business is arranging with a view to transactions in noninvestment insurance contracts, arranging (bringing about) noninvestment insurance contracts, advising on non-investment insurance contracts, dealing as an agent in non investment insurance contracts and assisting in the administration and performance of non-investment insurance contracts. You can check this on the Register by visiting the website www.fca.org.uk or by contacting them on 0845 606 9966. We are authorised by the FCA for consumer credit broking. We act for a number of lenders.

Our Service
We offer products from a range of insurers for all types of general insurance products and therefore our service is based on a fair analysis of the market. In certain cases we may place your business through another intermediary/s. We will give you details of these arrangements before you make any commitment on any product we offer you. We act as your agent when sourcing a suitable policy, placing the insurance and in the event of a claim. We act as agent for the insurer when collecting the premium. Should this situation be different we will alert you at the time.

Your duty of disclosure
Consumers: You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and statements you make as part of your insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part of or all of the claim may not be paid. Commercial Customers: If the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty to disclose all material facts whether or not the insurer asks for specific information. This duty applies throughout the life of your policy, and when you renew your insurance. Material facts are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material fact may invalidate your insurance and could mean that your claim will not be paid.
 
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 or where we are required by law. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which 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 Rex Thomas at the above address. We and/or the insures and /or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information.

About Our Remuneration
As an insurance broker we earn our income predominantly from commission paid to us by insurers based on the amount they charge you. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance. We may occasionally receive additional remuneration from certain insurers for insurance policies we place with them. Please ask should you require further information.
 
Fees and charges
• Where a fee or charge is payable, you will be advised before you commit to the service.
• All return of premiums following policy adjustment will be net of commission received from the underwriters and subject to a £30.00 administration charge. N.B. Accident Assistance, Breakdown policies and any administration charges made are Non-Refundable.
• For uncleared cheques we will make a charge of £7.00 for each representation and £15.00 will be requested for each cheque completely returned to us.
• In the event of any amendment being made to the policy an administration charge of £30.00 will be made.
• In addition, an administration charge of £30.00 will be made for the issue of duplicate insurance certificates, duplicate no claims bonus proof (where an original or an official renewal notice has been previously issued) or cover note(s) for taxation purposes (where an insurance certificate has been previously issued).
• Payment made by credit card will be subject to a 1.5% surcharge.
• A £30.00 administration charge is made on all renewals.
• If your policy is cancelled mid term we will retain our commission of 10% of the return premium and a £30.00 administration charge.
• If you pay your premium by instalments we shall inform you of any additional fees, charges or interest before you enter into a credit agreement.

Cancellation by Consumers (Non-commercial customers)
Consumers are entitled to a 14 day cooling off period from the date of inception of cover or receipt of documentation from ourselves. You will be subject to a minimum charge from ourselves of £30.00 plus charges levied by your insurers, details of which will be found in your policy document or policy summary. In order to cancel your policy within this period it will be necessary for you to confirm this in writing within the 14 day period (returning all insurers documentation, certificates, cover notes etc) and if the option is not exercised the contract will be deemed to be effective. If a claim is made within this 14 day period many insurers will not allow a return of premium and the full annual premium remains payable.

Protecting your money
For the protection of client money we act as agent for insurers and all money received by us is deemed to have been received by the insurer. We reserve the right to earn interest on any monies held by us.

Complaints
It is our intention to provide a high level of service at all times. If however, you have reason to make a complaint about our service you should contact Rex Thomas in the first instance. Your complaint will be acknowledged within 5 business days. Within four weeks you will receive either a final response or an explanation of why the complaint is not yet resolved plus an indication of when a final response will be provided. Within eight weeks you will receive a final response or, if this is not possible, a reason for the delay plus an indication of when a final response will be provided. If compensation or redress is felt to be appropriate details of this will be provided with full reasons for this decision. After eight weeks , if you are not satisfied with the delay you may refer your complaint to the Financial Ombudsman Service. You can also refer to the Financial Ombudsman Service if you cannot settle your complaint with us. Further information is available from the FOS on telephone no: 08000 234 567 or by visiting http://www.financial-ombudsman.orq.uk/.

Compensation
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 circumstance of the claim. The scheme covers 90% of the claim, without any upper limit for general insurance and 100% of the claim for compulsory insurance. The scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on telephone no: 0207 892 7300 or by visiting http://www.fscs.org.uk/