Terms of Business
Kennel Club Pet Insurance is a trading style of Agria Pet
Insurance Limited which is an insurance intermediary authorised and
regulated by the FSA. Our FSA number is 310996. You can check this
information on the FSA's register by visiting the FSA's website http://www.fsa.gov.uk/Pages/register/
or by contacting the FSA on 0845 606 1234.
We do not provide advice or a personal recommendation as to
whether this policy is suitable for your specific needs.
Pet Insurance policies are arranged and administered by Agria Pet
Insurance Limited and underwritten by Agria International
Forsakring AB and Groupama Insurance Company Limited.
Ownership
Agria International Forsakring AB owns 100% of our share
capital.
Client Money (as an agent of an insurer)
We act as agents for the Insurer for the collection of premiums
and payment of claims and refunds of premiums. This means that
premiums are treated as being received by the Insurer when received
in our bank account and that any claims or premium refund is
treated as received by you when it is actually paid over to
you.
What to do if you need to complain
Please phone our Customer Service Department on 01296 611600 or
write to the Customer Service Manager. Should you remain
dissatisfied with our response, you may approach the insurer. If we
are unable to resolve your complaint you may be able to refer it to
the Financial Ombudsman Service. Full details of our complaint
procedure are given in our Policy Booklet, a copy of which is
available on request. Following the complaints procedure does not
affect your right to take legal action.
Cancellation
Within the first 14 days: You may cancel the policy by writing
to us and receive a full refund of the premium paid, providing a
claim has not been made. If a claim has been made then the full
annual premium is payable. After 14 days: You may cancel the policy
at any other time by writing to us and receive a proportionate
premium refund of any balance due, providing a claim has not been
made.
Financial Services Compensation Scheme (FSCS)
Agria International Forsakring AB and Groupama Insurance Company
Limited are covered by the FSCS, which is triggered when an
authorised firm goes out of business. In this unlikely event you
may be entitled to compensation from the scheme:
- Compulsory insurance is covered in full
- Non-compulsory insurance is protected for 90% of the claim
- Full details are available at www.fscs.org.uk
Disclosure
It is your responsibility to provide complete and accurate
information to insurers when you take out your insurance policy and
when you renew your insurance. It is important that you ensure that
all statements are full and accurate. Please note that if you fail
to disclose any material information or change of circumstances to
your insurers, this could invalidate your insurance cover and could
mean that part or all of a claim may not be paid.
Data Protection Act Information Uses
For the purposes of the Data Protection Act 1998, The Data
Controllers in relation to any personal data you supply are Agria
Pet Insurance Limited; Agria International Forsakring AB and
Groupama Insurance Company Limited.
Insurance Administration
Information you supply may be used for the purposes of insurance
administration by the insurer, its associated companies and agents,
by reinsurers and your intermediary. It may be disclosed to
regulatory bodies for the purposes of monitoring and/or enforcing
the insurer's compliance with any rules/codes. Your information may
also be used for offering renewal, research and statistical
purposes and crime prevention. It may be transferred to any
country, including countries outside the European Economic Area for
any of these purposes and for systems administration. In assessing
any claims made, the insurer or its agents may undertake checks
against publicly available information (such as electoral role,
county court judgements, bankruptcy orders or repossessions).
Information may also be shared with other insurers either directly
or via those acting for the insurer (such as loss adjusters or
investigators). With limited exceptions, and on payment of the
appropriate fee, you have the right to access and if necessary
rectify information held about you.
Sensitive Data
In order to assess the terms of the insurance contract or
administer claims that arise, the insurer may need to collect data
that the Data Protection Act defines as sensitive (such as medical
history or criminal convictions). By proceeding with this
application you will signify your consent to such information being
processed by the insurer or its agents.
Fraud Prevention and Detection
In order to prevent and detect fraud we may at any time, share
information about you with other organisations and public bodies
including the Police. You should show these notices to anyone who
has an interest in the insurance under this policy.
Renewal
If you pay your premium by instalments your policy will
automatically renew on an annual basis for your convenience. This
will be confirmed by us sending to you your renewal documents
detailing the premium payable and the terms and conditions
applicable for the renewed policy. If you do not wish your policy
to renew, you should write to us and cancel your direct debit or
continuous credit card mandate.
Managing Your Policy
At the request of many of our customers and to make managing
your insurance more convenient, it is our policy to deal with your
spouse or partner who calls us on your behalf, provided they are
named on the policy. If you would like someone else to be able to
deal with your policy for you on a regular basis please let us
know. In some exceptional circumstances we may also deal with other
people who call us on your behalf. If at any time you would prefer
us to deal only with you, please call us to let us know.
Law applicable to this policy
You and we are free to choose the law applicable to this policy.
You will be governed by the law of England and Wales unless you and
the insurer have agreed otherwise.
Telephone Recording
For our joint protection telephone calls may be recorded and/or
monitored.
Demands and Needs Statement
We do not provide advice or a personal recommendation as to
whether this policy is suitable for your specific needs but this
product meets the demands and needs of those who wish to ensure
that their pet is covered.
The Direct Debit Guarantee
- This Guarantee is offered by all Banks and Building Societies
that take part in the Direct Debit Scheme.
- The efficiency and security of the Scheme is monitored and
protected by your own Bank or Building Society.
- If the amounts to be paid or the payment dates change Kennel
Club Pet Insurance will notify you 10 working days in advance of
your account being debited or as otherwise agreed.
- If an error is made by Kennel Club Pet Insurance or your Bank
or Building Society, you are guaranteed a full and immediate refund
from your branch of the amount paid.
- You can cancel a Direct Debit at any time by writing to your
Bank or Building Society. Please also send a copy of your letter to
us.