D Lawson & Son (Insurances) Limited, trading as "Lawsons Insurance Brokers" are authorised and regulated by the Financial Services Authority (FSA). Registration No: 304014

We arrange and advise on insurance, deal as an agent of insurers, and assist in claims handling on behalf of customers. You can check this on the FSA's Register by visiting the website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. We offer Policies from a range of insurers for most types of general insurance and therefore our service is based on a fair analysis of the market.

Disclosure
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your policy.

Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance policy being invalid or cover not operating fully.

It is important that you ensure all statements you make on proposal forms, in any "Statement of Fact"; claim forms and other documents are full and accurate. If a form, statement or document is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing or accepting the document. You are reminded that it is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain a Certificate of Motor Insurance.

Please note that under the Rehabilitation of Offenders Act 1974 you are not required to disclose convictions regarded as 'Spent?.
You are advised to keep copies of any correspondence you send to us or direct to your insurer.
If you are in any doubt about whether information is material, you should disclose it.

Confidentiality and Data Protection
All personal and sensitive information about our customers is treated as Private and Confidential, we may have to allow access to your records by a regulator or a complaints resolution body, or their representatives, who have been appointed for monitoring or investigatory activities. We will only use and disclose the information we have about customers in the normal course of arranging and administering their insurances, and will not disclose any information to any other parties without their written consent.

Unless we are notified of any changes, we shall assume the personal and sensitive data we hold about our customers is correct, and shall use it to provide quotations when policies fall due for renewal. In the interests of security and to improve our service, telephone calls you make to us may be monitored and/or recorded.

We may pass information about you to credit reference agencies for the purposes of arranging payments by instalments, and may also pass to them details of your payment record with us.

Under the Data Protection Act 1998, individuals have a right to see personal information about them that we hold in our records. A charge may be made for this service. If you wish to exercise this right, or have any other related queries, you should write to us at our address. We are registered under the Data Protection Act 1998, Number Z7790375.

Insurance Anti-Fraud Registers
Insurers share information with each other via the Claims and Underwriting Exchange Register, and the Motor Insurance Anti-Fraud and Theft Register, to aid the prevention of fraudulent claims. In the event of a claim, the information you supply on the claim form, together with any other information relating to the claim, will be put on the Registers.

Motor Insurer Information Centre (MIIC)
Insurers are legally required to provide details of motor insurance policies to the MIIC. The information describing your insurance cover will be added to the Motor Insurance Database (MID), to which the police and other government agencies have access. This helps the pursuance of claims following accidents and aids detection of those who are in contravention of the law by not taking out insurance.

Use for marketing purposes
We may use information held about you, to provide you with information about other products and services which we offer, and which we feel may be appropriate to you, by email, telephone, post or other means. You may exercise your right to give notice to stop data being processed for marketing purposes by contacting us at any time. Please contact us by telephone or write to us at our address.

Claims
You should notify us immediately if there is a possibility of a claim under your policy.
We may liase with the insurers on your behalf but you should, in any event, follow the specific claim guidance provided by the insurer in the policy document. We shall use our best endeavours when acting on your behalf in the relation to a claim, to handle all elements of the claim with due care, skill and diligence.

Complaints
It is our intention to provide you with a high level of customer service at all times.
If however, you have reason to make a complaint about our service you should contact a Director at our address either verbally or in writing.
Your complaint will be acknowledged within 5 business days.
If it is not possible to respond to your complaint within 4 weeks, we will write and let you know stating the reason.
Within 8 weeks we will advise you when you may expect a final response.
You are entitled to the reasons whether or not your complaint is valid.
If you cannot settle your complaint with us, you may be entitled to refer to:

The Financial Ombudsman Service
South Quay Plaza Tel No: 0845 080 1800
183 Marsh Wall, London Fax No: 020 7964 1001
E14 9SR E-Mail enquiries@financial-ombudsman.org.uk

Cancellation Rights (Retail Customers only)
A Retail Customer (a private individual who is insuring personal risks such as Private Car, Home or Travel) is entitled to a period of reflection during which you may decide whether to proceed with the purchase of the Insurance Policy. The duration of this cancellation period is 14 days and commences from either:
a) the day of conclusion of the Insurance Policy; or
b) the day on which you receive the full terms of the Insurance Policy detailing the full terms, conditions and information of the Policy; whichever is later.
To cancel an Insurance Policy within the cancellation period, please write to us at our address. If you do cancel within the cancellation period, you will be charged a proportion of the premium for the period cover was in force, subject to no claim being made.

Premiums and Financial matters
All Premiums that we collect from or refund to you are as an agent and for the benefit of your Insurer or Wholesale Insurance Intermediary. They will be held in a Bank Account with Barclays Bank PLC until paid to you or your Insurers or Wholesale Insurance Intermediary as required by FSA rules.
We may agree to extend credit to other customers using money from this Bank Account. We will have in place, and maintain, systems and controls adequate to ensure that we are able to monitor and manage these money transactions and any credit risk arising from the operation of these arrangements.
In order to be able to introduce you to credit facilities, we are registered under the Consumer Credit Act and our Licence Number is 002523.
We normally accept payment by cash, guaranteed cheque or most major credit/debit cards. You may be able to spread your payments through Insurers' instalment schemes, a credit scheme with a third party finance provider, or a facility we have arranged ourselves. We will give you full information about your payment options when we discuss your insurance in detail.
We may keep certain documents, such as your insurance policy documents or Certificate, while we are waiting for full payment of premiums. In these circumstances, we will ensure that you receive full details of your insurance cover and will provide you with any documents that you are required to have by law.
Professional Indemnity cover is maintained for your protection for a sum as required by the FSA rules.

Premiums passed to a Wholesale Insurance Intermediary
If your insurance has been arranged through another insurance intermediary, in accordance with FSA Regulations we have to inform you that we may transfer money that you have paid us, in payment of an insurance premium, to another insurance intermediary.
By accepting these Terms of Business, you are giving your consent for us to act in the manner described in this Section.

Return premiums
Return premiums usually arise if an insurance risk is reduced or a policy is cancelled, subject to no claim.
We have to repay to the Insurers the commission on all return premiums and therefore this will be deducted from the final amount due to you, together with our Cancellation charge.
No return of premium is due if a claim has been made on your policy. The full annual premium is payable and any outstanding balance or payments will still be due.

Charges and Fees
A Policy Fee of £15 will be made at commencement or renewal of all Policies.
An Administration Charge of £20 will be made at the time an Insurance Policy is adjusted, or if Duplicate Documents are requested, or if a cheque payment is dishonoured or needs to be represented.
A Cancellation Charge of £25 will be deducted from the net refund due on cancellation of any Policy.
These Charges are in addition to any made by your Insurance provider.
We occasionally arrange insurance with a provider who pay no, or a very low rate of commission, and in these circumstances an Arrangement Fee will be charged, but you will be advised of this charge.
If you would like to know the amount of commission that we are paid in respect of your Insurance Policy, this information is available on request in writing.

Policy Terms, Conditions and Warranties
You should read through all policy terms, conditions and warranties shown on your policy documentation. Please ensure you understand them and are able to follow their requirements exactly. If not, please advise us immediately, as a breach of any terms, conditions or warranties may enable your insurer to terminate your policy from the date
of that breach, and/or repudiate a claim under your policy.

Governing law
These Terms shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the English Courts.

Other taxes or costs
Other taxes or costs, or both, may exist in relation to the products and services offered by us, which are not paid through, nor imposed, by us.