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Advo Terms and Conditions of Business
Below are our Terms and conditions of business, these are also available in
PDF (Portable Document Format). Terms and conditions of business PDF
STATUS
We act as an independent intermediary (Broker) on your behalf.
We offer a full range of private medical insurance and
related products and our service includes: advising you
on your insurance needs: arranging your insurance cover
with insurers to meet your requirements and helping you
with any subsequent event or alteration to your insurance
that we have placed on your behalf. We place insurance with a
number of insurers and we will advise you should we have any
special arrangements with them or should you have to deal direct
with the insurer for ongoing policy administration.
REGULATION
We are members of the General Insurance Standards
Council (GISC) and are regulated by their Code of
Practice and Rules which regulates sales, advisory
and service standards to ensure general insurance customers
are treated fairly. A copy of the Code and Rules is available
for inspection on request.
PROFESSIONAL INDEMNITY
We conform to the GISC Code in respect of Professional Indemnity
Insurance. This type of insurance in mandatory for GISC members.
CONFIDENTIALITY
Unless required by law, public interest, virtue of our being
members of GISC or you give consent, all information you supply
will be kept confidential to us and parties involved in the normal
course of arranging and administrating your insurance. Under the
Data Protection Act 1998 you have the right to see personal
information about you that we hold in our records.
QUOTATIONS
Unless otherwise agreed any quotations given will remain valid for
a period of thirty (30) days from the date issue of the quotation.
DISCLOSURE OF INFORMATION
It is important that you understand that any information,
statements or answers made by you to us or your insurer are
your responsibility and must be correct. Your attention is
particularly drawn to the importance of the declaration and
signature on any Insurer’s Proposal Forms as any failure to
disclose facts material to the insurance or any inaccuracies
in your answers may invalidate your insurance cover in part or
in whole. Facts material to the insurer or information which may
influence your Insurer as to the acceptability or otherwise of
your Proposal or Renewal must be disclosed at the earliest opportunity
and certainly at each renewal. You are advised to keep copies of
documentation sent to or received from us for your own protection.
AWARENESS OF POLICY TERMS
When a policy is issued you are strongly advised to read it carefully,
as it is the document, the schedule and any certificate of insurance
which is the basis of the insurance contract you have purchased. If
you are in any doubt over any of the policy terms or conditions,
please seek our advice promptly.
COMPLAINTS
It is our intention to provide a first class service. However
should you have any cause for complaint you should, in the first
instance, contact the compliance officer, either orally or in
writing, or e-mail complaints@advogroup.co.uk Your complaint
will be acknowledged within five working days advising you who is
dealing with the complaint and indicating when you may expect an
answer. We will provide a formal written response within 20 working
days from receipt of the original complaint. If the complaint cannot
be resolved within this period we will write to you with an explanation
of the progress and the likely time scale involved. You will be advised
of any further redress available to you, should you believe the matter
has not been to your satisfaction.
Your insurer also operates a compliant procedure, details of which are
in your policy document.
For private policyholders we are members of the GISC Dispute
Resolution Facility and they can be contracted at:
110 Cannon Street, London EC4N 6BU Phone 0845 601 2857, Fax 020 7648 7808 e-mail complaints@gisc.co.uk
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