Ridley Macmillan Insurance Brokers of 3 Alma Square, Scarborough, YO11 1JR is authorised and regulated by the Financial Services Authority. Our Firms Registration Number is 306544. We are permitted to arrange, advise, and deal as an agent of insurers and clients, and assist in claims handling with respect to non-investment insurance policies. You can check these details on the FSA's Register by visiting the FSA's website on www.fsa.gov.uk/register or by contacting the FSA on 0845 6061234.

Your duty of disclosure
Your insurance is based upon information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer's decision to accept the policy and what terms are applied must be disclosed.
Failure to disclose material information may invalidate your insurance and could mean that part, or all of a claim may not be paid.

How to cancel
You may have a statutory right to cancel this policy within a short period. Please refer to your policy summary or your policy document for further details. If you cancel you will receive a pro-rata refund of premium from the insurer. Insurers are also entitled to make an administrative charge. We may keep an amount that reflects the administrative costs of arranging and cancelling the policy. If you wish to cancel outside this period you may not receive a pro-rata refund of premium. We may also keep an amount that reflects the administrative costs of arranging and cancelling the policy (see tariff of charges).

Protecting your information
All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where the law requires us. Some or all of the information you supply to us in connection with your Insurance proposal maybe passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the partners at the above address.

How to claim
Please refer to your policy summary or your policy document if you need to notify a claim. You should contact the insurer direct as soon as possible using the contact details provided. If in doubt about whom you should contact, please contact us on 01723 363674.

Fees and charges
We reserve the right to make charges for handling your insurance as follows:

• Arranging/renewing your motor/household policy - £5.00 admin fee
• Net rated policy (no commission earned) - Variable %
• Cancelling a policy - £ retention of full annual commission (fees & legal expenses are non-refundable)
• Credit card payments - 2%
• Debit card payments - £1.00

Personal and Commercial Insurances
We select insurance products from a range of insurers, limited number of insurers or single insurer.

Range - Car, Home, Motorcycle, Commercial vehicle, Public/Employers Liability. Landlords, Commercial Combined
Limited - Travel, Caravan, Holiday Homes, Collectors Car, Taxi, Pet
Single - Legal Protection, Breakdown

Protecting your money
Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your money is treated as being paid for) or we hold it in a client bank account on trust for you. We may transfer your money to another intermediary in some cases. However, your money will be protected at all times because of the requirements of the FSA rules. We also reserve the right to retain interest earned on this account. We shall be entitled (but not obliged) without notice to you to off set any amounts due to us from you, against any amounts which we may receive on your behalf (such as refunded premiums). By accepting this Terms of Business document, you are giving your consent for us to operate in this way.

Complaints
It is our intention to provide a high level of service at all times. However, if you have reason to make a complaint about our service, you should contact the partners at the above address or ring 01723 363674. We will acknowledge your complaint within 5 business days. We will conduct an investigation into your complaint and within 20 business days send you either a final response or, if we are unable to finalise the matter within the time frame, a further letter. Within 8 weeks we will send you a letter with our final response. If you are not satisfied, you may be entitled to refer the matter subsequently to the Financial Ombudsman Service (FOS) who operate a dispute resolution facility. This service is open to private individuals and small businesses with a turnover of less than £1m. You can contact them by telephone on 0845 0801800 and further information is available at www.financial-ombudsman.org.uk. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.

Compensation arrangements
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation form 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 £2000 and 90% of the remainder of the claim, without any 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 the compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting www.fscs.org.uk