Terms of Business
- About eHome
- Whose Products we offer
- The service we will provide you with
- Disclosure of Information
- Statement of Fact
- Awareness of Policy Terms
- Data Protection Act
- Motor and Home Insurance Anti-Fraud Registers
- How to Complain
- Claims
- Administrative Charges
- Legal Expenses
- Cancellation of Insurance Policies
- Payment of Premiums and Refunds
- Quotations
- Risk Transfer
- Client Money Segregation (Statutory or Non-Statutory)
- Earning Interest on Customer Premiums
- Customer Money Passed to another Person
- Customer Money Passed to another Person outside the UK
- Segregation of Investments
- Other Taxes or Costs
- Governing Law
- Variations
- Who Regulates Us
- Statutory Rights
About eHome Insurance
eHome Insurance is an internet based insurance company. Please note that our primary method of communication with all of our customers is via email. Any changes or adjustments to your policy must be made by yourself online by accessing your account and cannot be completed for you by a member of our helpdesk. The emphasis on the administration of the policy will be placed on yourself.
Whose Products we offer
We are an internet based insurance broker who arrange insurance cover and help with ongoing changes through the life of the policy. We only offer insurance from Norwich Union Insurance Limited and legal protection from DAS Legal Expenses Insurance Company Limited.
The service we will provide you with
We will advise and make a recommendation after we have assessed your needs.
Disclosure of Information
It is your responsibility to provide complete and accurate information to your Insurers when you take out your insurance policy, throughout the lifetime of the policy and when you renew your insurance. Any information, which might influence your Insurer to accept, amend or decline your insurance proposal or renewal, must be disclosed. If you are unsure about disclosing any matter please contact us for guidance.
Failure to disclose any material information to your Insurers or any inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.
Any advice we offer will be based on the details you provide. Always keep copies of correspondence sent or received concerning your insurance.
Please note that under the Rehabilitation of Offenders Act 1974 you are not required to disclose convictions regarded as spent.
Statement of Fact
When a policy is taken out we will send you a statement of fact which shows the information you have supplied. If you ask us to amend any answers, or add additional information we will send you a copy of the changes. Please read this carefully as the answers detailed are your responsibility.
Awareness of Policy Terms
You should read your policy carefully. The document, schedule and any certificate of insurance are the basis of the cover you have purchased. Please make sure that you understand them and are able to follow their requirements. Breach of any terms, conditions or warranties may enable your Insurer to terminate your policy or repudiate a claim under your policy.
Data Protection Act
Any information we hold about you, whether on our computer system or on paper files will be treated as private and confidential. We will use and disclose the information we have in the normal course of administering or arranging cover on our insurance policy. We may also, on occasion, use the details we hold about you within our associated companies or pass them to Third Parties so that we may tell you of new products and services, which we think may interest you by telephone, e-mail or post. If you do not wish to receive any marketing information please write to us and we will mark our records accordingly. Under the Data Protection Act 1998 you have rights of access to any personal information we hold about you in our records. If you have any queries in respect of confidentiality and data protection please contact us.
Motor and Home Insurance Anti-Fraud Registers
eHome will pass information to the Claims and Underwriting Exchange Register which is run by the Insurance Database Services Ltd (IDS Ltd). The aim is to help us check information provided and also prevent fraudulent claims. When dealing with your request for insurance these registers may be searched. Under the conditions of your policy, you must inform us of any incident which may give rise to a claim. When you inform us of an incident, we will pass the information relating to it to the registers.
How to Complain
It is our intention to provide you with a high level of service at all times. In the unlikely event that you should have cause for complaint, you should write to Mr J Hanley, eHome Insurance, MMT Centre, Severn Bridge, Aust, BS35 4BL. We will acknowledge receipt of your complaint in writing, within 5 working days and provide you with a full written response within 20 working days, or explain the current position and provide you with a timescale for a full response. We will endeavour to provide you with a final response within 8 weeks.
If you remain dissatisfied with our response to your complaint you may be able to refer the matter to the Financial Ombudsmans Service.
The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR
To use their service you must be eligible and your complaint must be sent to them within 6 months of our final response letter. Full details of our complaints handling procedures are available upon request.
Claims
We have no authority to handle claims on behalf of Insurers. In the event of an accident occurring, which may give rise to a claim under your policy; you should notify your Insurer direct as soon as possible using the contact details in your policy schedule/document.
If there is any conflict of interest, we will only handle a claim on your behalf after we have disclosed to you all information you require, to enable you to decide whether to give your informed consent, and that you have given that consent. We will forward any payments we receive from Insurers in respect of any claim, without delay.
Administrative Charges
In addition to the premiums charged the following fees will be applied to cover the administration of your Insurance:
- New business and Renewals - £10.00.
- Mid-term alterations - £15.00; Cancellations - £15.00 (also see below); Refunds of less than £10 will not be allowed.
- We reserve the right to amend the level of charges at any time.
- We will charge £25 administration fee for the creation and release of duplicate documents and non standard letters.
You should also note that we will not be responsible for any fines or costs that you incur resulting from late delivery of, or incorrect information on, any documentation relating to your insurance.
Legal Expenses
There is a charge of £19.00 included in all premiums and (subject to Insurance Premium Tax if applicable) for Legal Expenses cover underwritten by DAS Legal Expenses Insurance Company Ltd.
Cancellation of Insurance Policies
(1) Where cancellation rights exist
If you are an individual or sole trader (including a partnership in England and Wales) buying or renewing a policy which provides cover for you in both a private and business capacity, you have the right to cancel your policy during a period of 14 days either from the day of purchase of the contract or the day on which you receive your policy documentation, whichever the later. When renewing an existing policy, the period applies from the date you renew the policy or the day on which you receive your policy documentation, whichever the later.
If you exercise this right and the cover has not yet commenced, you will be entitled to a full refund of the premium paid. If the insurance has commenced and provided that you have not made a claim, you will be entitled to a refund of the premium paid, subject to a deduction for the time that you have been on cover (calculated as a proportion of the annual premium) and a deduction of a proportion of the arrangement charge sufficient to cover our costs.
To exercise your right to cancel, please contact this office at the address shown. You will be required to return the Schedule of insurance, immediately.
(2) When cancellation rights do not exist
Unless otherwise stated, insurance policies are arranged for a period of 12 months and you are required to pay the full amount stated. If you cancel the insurance before expiry date, (other than in accordance with paragraph (1) above) and there have been no claims, you may be charged short period rates in accordance with the scale of charges detailed by Insurers terms and conditions, shown in your policy document. Policyholders may cancel annual policies on return of the policy and/or Schedule of Insurance.
Payment of Premiums and Refunds
Unless otherwise agreed and formalised by a premium instalment plan, all premiums are due on the day cover is arranged, the date the policy is due for renewal or the date of any mid-term adjustment.
If we arrange an instalment plan for you, an administration charge of £15.00 will apply, which is non-refundable.
We will pay the premium to the Insurer and you will be responsible for paying the instalments as they fall due. In the event of any due payment not being made, you will be sent a 14- day cancellation letter by recorded delivery. If the monies are not received in this timescale the policy will be cancelled and all cover will cease. Any refund provided by the Insurer, after deduction of the charges shown above, will be used against any outstanding balance on your instalment plan.
We will not accept responsibility for cancellation of insurance by Insurers due to late or non-payment of premium by customers. Instalment deposits, legal expenses and breakdown or associated policies are non-refundable.
The eHome instalment plan will be financed by Conister Trust Ltd which is arranged and administered on their behalf by Panacea Finance Ltd. They can be contacted by writing to:
Panacea Finance Ltd MMT Centre Severn Bridge Aust Bristol BS35 4BL
In most cases all refunded premiums will go back to the original card on which you used to make a payment for the policy. In some cases, we may refund via cheque made payable to the policy holder. If you have any concerns over either of these refund methods then please contact us prior to making any changes to your policy. Please note that the choice of whether to refund by card or cheque is at our discretion.
Refunds made to card will appear in your account between 3-5 working days depending on your banking provider.
If you pay for your policy via direct debit then any refund will be calculated and sent via cheque.
Information about Panacea Finance and the Direct Debit Process.
Quotations
When a quotation is provided the premium is only valid for the period advised to you. Quotations provided by the company do not constitute offers. All proposals and requests for insurance are subject to acceptance by Insurers, premiums and terms are quoted subject to confirmation and agreement by Insurers. Your Insurer has the right to decline your risk, increase the premium or restrict the policy if any errors or omissions are found on the proposal or statement of fact.
Risk Transfer
Premiums that we collect from you are held in an insurance broking bank account specifically for the purpose of holding client money. By virtue of agreements held with insurers, we collect premiums as agents of the insurer. Therefore, once we have collected the premium from you, under the terms of our agreements with insurers, those premiums are treated as having been paid to insurer. We will remit premiums to insurers in accordance with the terms of our agreements with insurers.
Client Money Segregation (Statutory or Non-Statutory)
Premiums that we collect from you will be segregated into and held in either a Statutory or Non-Statutory Insurance Broking Trust Bank Account. We will hold the money as trustee for the insurer. The Client Money Bank Account is set up as a trust governed by our agreements with our insurers. This means that once client money is segregated into the trust account it falls into our legal ownership but remains for the beneficial ownership of insurers. If we become insolvent, the terms of the trust dictate that insurers will have a prior claim on the money in the account according to their respective interests. Where insurers permit use of a Non-Statutory Trust we may agree to extend credit to other customers using money from the Client Money Bank Account. We will have in place and maintain systems and controls to ensure that we are able to monitor and manage client money transactions and any credit risk arising from the operation of this trust arrangement.
Earning Interest on Customer Premiums
We hold premiums that you pay us in a Client Money Bank Account. Under Financial Services Authority (FSA) Regulations we have to inform you that we may earn interest from money held in our Client Money Bank Account, which may exceed £20.00 for any one transaction that you make with us. Interest earned will not be held for the benefit of customers. By accepting these Terms of Business, you are giving your consent for us to act in the manner described above.
Customer Money Passed to another Person
In accordance with FSA Regulations we have to inform you that in managing and/or arranging your insurance requirements, 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 above.
Customer Money Passed to another Person outside the UK
In managing and/or arranging your insurance requirements, we may transfer money that you have paid us in payment of an insurance premium, to another insurance intermediary operating outside of the United Kingdom. Unless you notify us that you do not wish your premiums to be transferred in the manner outlined, by accepting these Terms of Business you are giving your consent for us to act in the manner described. You should note that the legal and regulatory regime applying to the insurance intermediary may differ from that in the United Kingdom and consequently, if the intermediary fails, the premium may be treated in a different manner from that which would apply if the premium was held by an insurance intermediary in the United Kingdom.
Segregation of Investments
We hold premiums that you pay to us in a Client Money Bank Account. We may invest these premiums in a range of permitted designated investments as prescribed by FSA Regulations. In the event that there is any shortfall in our client money resource attributable to falls in the market value of any of these permitted designated investments, we shall make provision for, and bear the cost of, any such shortfall. By accepting these Terms of Business, you are giving your consent for us to act in the manner described above.
Other Taxes or Costs
Please note that there is a possibility that other taxes and/or costs may exist in respect of products and services offered by us, which are not paid through or imposed by us.
Governing Law
This agreement 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.
Variations
No variations to these Terms are held to be valid unless in writing and signed by an authorised officer of the Company. The Companys staff are not authorised to agree to any variation of these Terms but they may be varied by the Company from time to time.
Who Regulates Us
E Insurance Services Ltd is authorised and regulated by the Financial Services Authority.
You can check this on the FSAs Register by visiting the FSAs website www.fsa.gov.uk/Pages/register/ or by contacting the FSA directly on 0845 6061234.
Statutory Rights
Agreement to our Terms of Business does not affect your normal statutory rights.
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% for the first £2,000 and 90% of the remainder of the claim, without an upper limit.
For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS.
eHome Insurance is a trading style of eInsurance Services Limited who are authorised and regulated by the Financial Services Authority. Registered office: 21 St. Thomas Street, Bristol, BS1 6JS. Registered in England and Wales no. 5603030. The Financial Services Authority's Register can be accessed through http://www.fsa.gov.uk/register
Features and Benefits
Click below to see what makes eHome Insurance unique.
- Working at Home Equipment
- Helmet and Leathers
- Legal Cover Included
- Caravan Cover
- Home Emergency & Garden Cover
- Personal Accident Cover
Product Information
Underwritten by
