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Important Trading and Legal Information
Trading Details
R
J P MARINE INSURANCE SERVICES
R J P Marine Insurance Services is a Trading Name of Johnstone Insurance
Brokers Ltd. (Company Registration number 05683941) Johnstone Insurance
Brokers Ltd are Insurance Brokers dealing with all forms of General
Insurance. R J P Marine specifically deals with Personal Watercraft,
Jet-ski and Pleasure Craft Insurance.
Johnstone Insurance Brokers Ltd are authorised and regulated by the
Financial Services Authority – Registration number 452604. You can check
our registration on the FSA website at the following link
http://www.fsa.gov.uk/register/home.do.
Yamaha marine Cover Insurance is the name of an insurance product
available exclusively through R J P Marine which is underwritten by
Haven Knox Johnston and designed for the owners of boats powered by Yamaha
Motor UK Ltd outboard engines.
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RETAIL CUSTOMER STATUS DISCLOSURE AND TERMS OF BUSINESS
AGREEMENT
This leaflet outlines RJP Marine Insurance Services Status Disclosure and
Terms of Business. RJP Marine Insurance Services is a trading name of
Johnstone Insurance Brokers Ltd.
Unless you advise us to the contrary, we will assume you wish to be bound
by the terms of this agreement.
What is the Financial Services Authority (FSA) and who regulates us?
The FSA is the independent watchdog that regulates financial services. It
requires us to give you this document. Use this information to decide if
our services are right for you. Johnstone Insurance Brokers Ltd T/A RJP
Insurance Services, at the above address is authorised and regulated by
the Financial Services Authority. Our FSA Registration number is 452604.
Our permitted business is arranging general insurance contracts. You can
check this on the FSA’s Register by visiting the FSA’s website
www.fsa.gov.uk/Pages/register/
or by
contacting the FSA on 0845 606 1234.
Whose products do we offer?
We only offer products from a limited number of insurers for Boat
insurance. Please ask us for a list of insurers we offer insurance from.
We only offer a single product underwritten by one insurers for Personal
Watercraft Material Damage and Liability insurance.
What service will we provide you with?
We will advise and make a recommendation for you after we have assessed
your needs and we will provide you with a suitability statement, verbally
if you request it or require immediate cover, and in writing immediately
after the conclusion of your contract.
What will you pay for our services?
The following charges will be made for your insurance: -
New business policies £10.00
All renewals £10.00
All policy adjustments £10.00
All duplicate documentation requests £10.00
On cancellation of your policy £10.00
Dishonoured cheque or payment £10.00
All return premiums will be refunded net of our commission.
Information requests under the Data Protection Act £10.00
Please note that on cancellation of a policy your insurer may not allow a
proportionate refund.
These charges will be in addition to any charges made by your insurers and
will attract Insurance Premium Tax at the current rate. Should it be
necessary for other charges to be made by us these will be notified to you
in advance. We do not guarantee the solvency of any insurer we place
business with. A liability for the premium, whether in full or pro rata,
may arise under policies where a participating insurer becomes insolvent.
What is your duty of disclosure?
You have a legal obligation to disclose all material facts. A material
fact is one which may influence an insurer’s decision to accept the risk,
or may affect the terms or conditions they wish to impose and it may be
favourable or not. The supply of this information is your responsibility
and must be accurate. If in doubt about any information, you should
disclose this to us to see whether it would be classed as material.
Failure to disclose any or inaccurate material facts may invalidate your
insurance policy and may result in all or part of a claim not being paid.
Any changes to your information must be disclosed at the earliest
opportunity and at each renewal.
When do you need to pay your premiums?
Your premium is due for payment as soon as cover has been arranged for
you. If you have chosen to pay by our instalment scheme, this is paid
through your bank by means of a Finance Agreement arranged through Premium
Credit. The interest charged is 7.5% (APR 28.6%). In the case of renewals,
your premium is due for payment on or before the renewal date. If you fail
to pay the premium, or fail to notify us that you wish to continue with
your Finance Agreement, by the renewal date, then your policy will
automatically be cancelled from that date. In accordance with our standard
practice, your premiums may be passed to a secondary firm and they may use
this to pay other clients premiums to insurers’, as may their premiums be
used to pay yours. Where permitted we will hold your money as agent of the
insurer. If you would like to know whether your premium is held in this
way, then please ask us.
Do you receive interest on the money you pay to us?
We do not pay interest to retail customers when the amount is under
£20.00.
How do we process your information?
We are registered under the Data Protection Act 1998 and we undertake to
comply with the Act in all our dealings with your personal data. Your
personal information will be kept secure. We may from time to time send
you information about our services. You should inform us if you do not
wish to receive this information from us. You have the right to ask for a
copy of the information we hold about you. All requests must be received
in writing to the above address, for the attention of the Directors. You
must supply as much information as possible regarding the information you
wish to see, including dates and times of any events. There is a fee for
this service of £10.00, payable in advance, and the information will be
sent to you within 40 calendar days from receiving your payment. You have
a right to have any inaccuracies in your data corrected and you should
advise the Directors accordingly.
What are your cancellation rights?
If, in the unlikely event of you not receiving the information regarding
your policy, prior to you making a decision to buy it, you have a 14-day
period, commencing from when you do receive your documentation, in which
to cancel your cover (providing your policy is not less than one month in
duration, or a commercial policy). You must return all documentation
within 30 days if you wish to use this cancellation clause, and your
request must be in writing and dated. Your insurers will make a charge for
the period you have been on cover, and we will charge a £30.00
administration fee in addition to any other charges. If you do not use
this cancellation clause, your insurers will keep your premiums and you
will be insured.
What should you do if you wish to make a claim?
We wish to ensure that any claim is dealt with promptly and efficiently.
In the event of any incident occurring, which may give rise to a claim,
whether it is for your own material damage, or for Third Party damage or
injury, it should be reported to us immediately. You should contact our
office during business hours at the earliest opportunity. Failure to
report a claim immediately may result in all or part of a claim not being
paid. You should be aware that in respect of insurance claims we act for
the insurer as their agent.
What if you are not satisfied with our service?
We aim to provide you with a high level of service at all times, If we
fail, you may register a complaint by writing to us, marked Private and
Confidential, for the Directors at the address at the top of this page.
Alternatively you may telephone and register your complaint verbally by
speaking to the Directors on 01724 855510. We will acknowledge your
complaint promptly, explain how we will handle it, and keep you informed
of the progress of your complaint. If you cannot settle your complaint
with us, you may be entitled to refer it to the Financial Ombudsman
Service.
Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. 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. Insurance advising and
arranging is covered for 100% of the first £2000 and 90% of the remainder
of the claim without any upper limit. Further information about
compensation scheme arrangements is available from the FSC
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CUSTOMER COMPLAINTS PROCEDURE
At the heart of RJP Marine is our Consumer Charter, which we strive to
achieve at all times to ensure that our customers are always treated
fairly. You may view this Charter from the home page on our website. Where
you feel we have failed to meet this Charter, then we would ask you to
discuss this with our Marine Manager, so that we can put things right
immediately. On the rare occasion that you may find we have not met this
Charter to your satisfaction you may find it necessary to submit a formal
complaint to us using our formal Complaints Procedure below.
WHAT IS A COMPLAINT?
We hope that we always provide you with a high level service, however, if
we do not then we would ask you to please let us know. We define a
complaint as:
Any expression of dissatisfaction from or on behalf of a customer, whether
oral or written, and whether justified or not.
WHAT IS OUR COMPLAINTS PROCEDURE?
All complaints whether they are oral or written will be recorded in a
Complaints Log. If your complaint is not resolved immediately, this will
be passed to the Directors for handling. If the complaint made is about
the Directors, this will be handled by another Director. It is the firm’s
policy to treat all complaints, whether regulated or not, according to
this Complaints Procedure
Any unresolved complaint will be acknowledged within five business days,
with a copy of the Complaints Procedure. We will then advise you of the
outcome of our investigations within four weeks. If we are unable to
resolve your claim, we will advise you of the current position, and will
attempt to resolve it by the end of a further period of four weeks. If we
are unable to settle your complaint at this time, we will advise you of
how you may proceed with your complaint further.
INVESTIGATION
A Director will investigate all unresolved complaints and may, where
considered necessary, consult the adviser/member of staff whose possible
actions or possible omissions gave rise to the complaint. The
investigation will include a review of your file, and may where necessary
involve contact with third parties such as product providers to obtain
information or we may also contact you for further information.
Immediately on completion of the investigation the Director will write to
you notifying you of the outcome, the nature and terms of any settlement,
and will advise that if you are not satisfied with the outcome that you
may refer the matter to the Financial Ombudsman Service.
If your complaint is upheld, details of any compensation which may be
offered will be fair, and the basis of calculation will be explained to
you.
If the investigation is not concluded within four weeks, we will write to
you informing him that the investigation is continuing and the reasons for
the delay and when we expect to be able to contact you again.
If the investigation is not concluded within eight weeks, the Director
will write to you informing you of the reasons for the further delay. If
you are not satisfied with progress you may refer the complaint to the
Financial Ombudsman Service. You must do this within the next six months
or you may lose the right.
FINANCIAL OMBUDSMAN SERVICE (FOS)
You may contact the FOS at:-
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
LONDON
E14 9SR
TEL: 0845 080 1800
Website
www.financial-ombudsman.org.uk
A leaflet about the Ombudsman’s arrangements will be forwarded to you with
our letter after the eight week period.
CLOSING THE COMPLAINT
When we receive confirmation from you that you are satisfied with the
findings of the investigation and any resolution, the complaint will be
considered closed by the Director.
Where no confirmation has been received from you, the complainant, within
eight weeks of our most recent letter, the complaint may also be
considered closed.
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DATA PROTECTION
To consider your request for insurance cover or administer subsequent
dealings in respect of your insurance we must process your personal data
and where appropriate your ‘sensitive’ personal data and in doing this we
will comply with the provisions of the Data Protection Act 1998.
In order to provide and maintain your insurance cover, we need to pass
your information to:
(a) Markel International Insurance Company Ltd, Markel House, 49
Leadenhall Street, London, EC3A 2EA to enable them to provide pleasure
craft insurance and/or
(b) Other Insurers as appropriate and/or
(c) Other organisations in order to deal with insurance underwriting or
claims related matters.
Unless required by Law, the Financial Services Authority or as necessary
to effect or administer your insurance none of your personal data (even if
not ‘sensitive’) will be disclosed without your consent to any person or
organisation, or used for any other purpose.
We have entered into contract terms with all of the companies to whom we
pass your data, requiring them to comply with the provisions of the Data
Protection Act 1998. The Data Controller is Johnstone Insurance Brokers
Ltd
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SECURITY
While RJP Marine has taken all reasonable steps to ensure the information
you provide will be kept secure, the internet is not a secure environment
, so we cannot provide an absolute guarantee that the information is
secure during transmission or in storage.
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APPLICABLE LAW
If you enter and use this website, you will be agreeing that English Law
and the jurisdiction of the English courts will govern any disputes
between RJP Marine and yourself.
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REPRESENTATIONS
RJP Marine make no representations about the contents of this website, or
of any site linked to it, and you should not rely on them for any
decisions you make. We are not liable for the consequences of any
decisions you make having read this website.
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DISCLAIMER
The information contained on this site is not intended to and does not
constitute an offer by RJP Marine to sell , or a solicitation of any offer
to buy, any product or service. Any insurance products or services
mentioned on this site are subject to the legal and regulatory
requirements applicable in the jurisdiction in which the risks and/or
(potential) assured are located. Therefore, insurance products or services
mentioned on this site may not be available in all jurisdictions. The
information and descriptions on this site are provided for general
information purposes and are subject to terms and conditions contained in
any such insurance product. If you enter and use this site, you will be
agreeing to the above conditions. If you do not agree to these conditions
you should not proceed with any quotation or cover request.
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