Terms
Silverline Insurance Services are an appointed introducer for Wyedean Services Ltd and act on your behalf in arranging your insurance. We use a number of companies and offer a wide range of insurance products. Our service includes providing you with advice on your insurance needs, arranging insurance cover with insurers to meet your demands and needs and help with ongoing alterations or claims you have to make.
Complaints: If you wish to make a complaint please contact Diane Crookes by telephone or in writing. Your complaint will be acknowledged within 5 working days explaining who will be dealing with your complaint and the timescale in which you can expect it to be dealt with. Where possible we will resolve your complaint and provide a formal written response within 20 working days.
Duty of Disclosure of Information: It is your responsibility that the information you provide at inception of your policy, at renewal of your policy and through the whole term of your policy is full and accurate. It is important that you ensure all statements you make on proposal forms, claim forms and other documents are full and accurate. Where statements of fact documents form the basis of your insurance contract, the information should be accurate and any errors advised to us immediately. You are responsible for checking that the policy terms and conditions meet your requirements and for notifying us of claims or circumstances that might give rise to a claim. To ensure full protection under your policy you should familiarise yourself with the coverage conditions and procedures relating to claims and their notification. Please note that if you fail to disclose any material information to your insurers this could invalidate your insurance cover and mean that part or all of a claim may not be paid. Facts material to the insurance are matters of information that may influence your Insurer as to the acceptability or otherwise of your proposal and must be disclosed at the earliest opportunity and certainly at renewal. If you are in any doubt over any of the policy terms or conditions, please seek our advice immediately.
Cancellation: You have the right to cancel your policy during a period of 14 days from the day of purchase of the insurance. If you wish to do so and the insurance has not yet commenced you will be entitled to a full refund of the premium paid. Alternatively, if you wish to do so and the cover has already commenced, you will be entitled to a refund less the administration fee of €30. The insurers also have the right to charge you for any time on cover which will usually be on a pro rata basis. A refund of premium may not be given if you have made a claim under the policy or an incident has occurred which may give rise to a claim under the policy. To exercise your right to cancel please contact us. If you do not exercise your right to cancel it will continue in force for the term of the policy and you will be required to pay the full premium. If you wish to cancel your policy after the period of 14 days has lapsed then the insurer’s short period cancellation fees and charges will apply. Any monies then due back to the client will be subject to a deduction of €30 administration fee.
Payment: All premiums due are payable immediately at inception of your policy or on the due date of your renewal by the latest. Documentation will not be issued until we have received full payment for the insurance product or service offered. If premiums are due in response to a request for an amendment or change to a policy then it is expected immediately and no amendment or change will be processed until the required payment has been received.
Charges / Commissions: Silverline Insurance Services receives commissions from the insurer for the service provided. In addition to the premium charged by the insurer for the product and services offered the following administration charges apply:
- New business arrangement €30 (which will automatically be included within your quote)
- Renewal of insurance €30 (which will automatically be included within your quote)
- Duplicate documentation €15 (where the first set have already been issued)
- Policy adjustments, amendments and cancellations €30
Confidentiality: All personal information about you will be treated as private and confidential. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance. Other than this we will not disclose any information to any other parties outside our Group of Companies without your consent, unless legally obliged to do so. Customers should be aware that insurers exchange information with each other through various databases to help check the information provided and also prevent fraudulent claims. We may use information we hold about you to provide information to you about other products and services which we offer. If you would prefer not to receive information on these services, please advise us.