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Four Counties Insurance Brokers Ltd are a firm of independent insurance intermediaries tracing its roots back to 1969. We offer a wide range of insurance and related products to both individuals and businesses.
Our objective is to provide customers with the best advice on the vast array of insurance products on the market, selecting from our extensive panel of carefully selected, approved insurers and facilities.
We are authorised and regulated by the Financial Services Authority. Our Firms Registration Number is 302403.
We will:
advice you on your insurance needs, including advice on risk management where appropriate
offer as wide a choice as possible of insurers and insurance providers
arrange insurance cover with appropriate insurers to meet your requirements
administer any changes you need to make to your policy
assist and guide you should you need to make a claim on your policy
help you to recover any “uninsured” losses, including liaison with a specialist uninsured loss recovery company who we may appoint
Our quotations are based on the information provided on a given date, valid for acceptance at that time and for only the exact circumstances and criteria given by you. Online "quick quotes" give only an indicative premium, not a guaranteed quotation or offer and make some assumptions that you should check before requesting cover. You should be aware that occasionally, insurers change premium rates, terms or conditions without notice which can invalidate a quotation. Insurers always reserve the right to decline any proposal or vary terms of acceptance. We must also reserve this right.
We normally make the following charges in addition to the premium charged by an insurer to cover the cost of administering your insurance:
£10 each time a cheque or direct debit is unpaid (if you know that you will not have funds to meet the payment we suggest you call us to make alternative arrangements)
£15 plus commission rebate amount in the event of you cancelling your policy mid-term
£15 for mid-term adjustments
£25 if you do not have an uninsured loss recovery policy in force with us & wish us to instruct an uninsured loss recovery specialist to pursue recovery of your expenses
Instalment charges, which vary according to the amount and number of instalments and will be confirmed to you at the point of sale
We do not normally make any charges for quotations, arranging a policy or renewing a policy, but if a charge is made, you will be advised beforehand. We make no charge to clients for credit or debit card payments.
Policies vary between insurers but be aware that cancellation
refunds are not normally given after a claim and are otherwise calculated on a
short period scale weighted in favour of the insurers as their costs are similar
whether a policy has run for one day or a year. Premiums for some policy types (e.g
travel, liability etc) are non-refundable.
See above for details of our charges in the event of mid-term policy
cancellation.
Instalment charges are not refunded.
Please take care of your certificate of insurance. It is a
legal document and some insurance companies make a charge for a duplicate. Some
insurance companies may also charge for a duplicate policy.
We hope you will never have cause to complain about us or our service but in the unlikely event that you do, we set out below our procedure in accordance with the requirements of the Financial Services Authority:
Complaints may be lodged either in writing or verbally at any time during the normal working day to either of our offices;
All staff are instructed that unless your complaint can be resolved immediately, the matter must be referred to a manager who have the authority and knowledge to investigate the issue;
We undertake to acknowledge receipt of a complaint within five working days and to give a detailed response within four weeks. If for any reason we are not able to resolve your complaint within that time, we will give you a holding response and explain why the matter is unresolved and when we expect to do so, which will be within eight weeks of receipt of the complaint;
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service
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 £2,000 and 90% of the remainder of
the claim, without any upper limit. Further information about compensation
scheme arrangements is available from the FSCS.
