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Who are we?
SAKZA limited
t/a SAKZA Insurance Brokers, 24 The Broadway, New Haw,
Addlestone, Surrey, KT15 3HA are an independent
insurance intermediary and are authorised and regulated
by the Financial Services Authority.
Our
Service
SAKZA Insurance Brokers is
an independent insurance broker who acts as your agent
and accepts responsibility for the advice given and for
arranging your insurance.
Products
Commercial and Personal Insurance
Your duty to provide
information
Your
attention is particularly drawn to the importance of the
Declaration and signature on the Insurer's proposal
forms. Any failure to disclose facts material to the
insurance or any inaccuracies in your answers could
invalidate your cover, which could mean that part or all
of a claim might not be paid.
You have a
continuing obligation to disclose facts material to the
insurance throughout the period of cover and at renewal
of the policy. If you are in doubt on whether to advise
the Insurer of change in circumstances that may be
relevant to cover, then it is preferable to advise the
insurer.
Policy
Terms and Conditions and Claims
If you should become aware
of any claim, or circumstances that could lead to a
claim, you must notify us immediately and in writing if
required. Failure to do so could prejudice your
position.
Payment of Premiums and
Charges
Our terms of
payment are as follows (unless specifically agreed by us
in writing to the contrary):
New Policies
- Immediate payment on the inception date of the policy
Alterations
to policies - Immediate payment.
Renewals -
Due in full by the renewal date.
In the
event that payment is not received from you as detailed
above, we will take whatever steps we deem necessary.
This may include cancellation of your policy. This could
invalidate your insurance cover and could mean that part
or all of a claim may not be paid.
Our Remuneration -
Commission and Fees
As an
insurance broking business, the major part of our income
is derived from commission that is paid to us by the
insurers with whom we place business. If you wish to
know the level of commission that is payable, in respect
of any specific insurance policy you may wish us to
arrange, please ask?
In certain
instances, particularly relating to the business of
retail customers (a retail customer is an individual
acting outside his trade, business of profession); we
may wish to charge a fee on top of the insurer fees. Our
fee structure is outlined as follows.
In respect
of Personal Insurances, we reserve the right to charge
fees on the following basis on top of any fee’s charged
by the insurance provider(s)
New business
and the renewal of an existing policy - £300.00 maximum
fee
Short period
policies - £15.00
Mid-term
adjustments - £50.00 maximum fee
Cancellation
of a policy - £50.00 maximum fee
Cancellation due to the
non-payment of money owed, the provision of inaccurate
or incomplete information - a fee not exceeding £200.00
In respect of
Commercial Insurances we reserve the right to charge a
fee on the following basis on top of any fee’s charged
by the insurance provider(s)
New business
and the renewal of an existing policy - not exceeding
£300.00
When no
commission income is earned – a fee will be charged not
exceeding 50% of the insurer's premium (excluding
Insurance Premium Tax).
Mid-term
adjustments or alterations to policies - not exceeding
£50.00
Cancellation
of a policy - not exceeding £50.00
General, in
respect of both Personal and Commercial Insurances
From time to
time our customers request special assistance in a
variety of ways that involve us in additional work,
which is above and beyond our normal functions as an
Insurance Broker. In such cases we reserve the right to
charge a fee for the work involved to recover any costs
that we may incur.
Stopped or
returned cheques - £30
Any fee to be
charged will be included as a specific item within any
quotation that is given.
Complaints
Procedure
It is our
intention to provide you with the highest level of
customer service at all times. However, if you should
feel dissatisfied in any way, with your insurance cover
or with the service we have provided, we operate a
complaints procedure to assist you. Should you wish to
complain, you may do so orally to any member of staff or
in writing to the Customer Services Manager. We take all
complaints seriously and will Endeavour to respond
immediately. Where this is not possible we will
acknowledge your complaint within 5 business days
confirming the name of the member of staff dealing with
your complaint. We will provide you with a full written
response within 20 business days or explain the current
position and agree a time scale for a full response. If
we believe that the complaint does not relate to the
activities of SAKZA Insurance Services we will inform
you in writing within 5 business days of receipt. Where
possible we will provide details of how the complaint
should be redirected.
If the
complaint is not resolved to your full satisfaction, you
may refer the complaint to the Financial Ombudsman
Service, South Quay Plaza, 183 Marsh Wall, London E14
9SR, telephone 0845 080 1800. Please note that the
Ombudsman will only consider your complaint it you have
already given us the opportunity to resolve it.
Confidentiality
All personal
information that we hold about you will be treated as
private and confidential. We only disclose the
information we have about you in the normal course of
arranging and administering your insurance and to
provide you with information about other products and
services we feel may be appropriate to you. We will not
disclose any information to any other parties without
your consent.
Under the
Data Protection Act 1998 you have the right to see
personal information about you, which we hold in our
records. If you have any queries or do not wish to
receive marketing information from us, please write to
us at our usual business address. |
