By accepting these Terms of Business, which apply to General Insurance customers of Castle Cairn (Insurance Brokers) Ltd, you are giving your consent to the actions described in the following sections. Please read this document carefully. It sets out the terms on which we agree to act for our clients and contains details of our regulatory and statutory responsibilities.
Company Details Castle Cairn (Insurance Brokers) Ltd is authorised and regulated by the Financial Services Authority. Our Firm Reference Number (FRN) is 115163. You can check this on the FSA register by visiting www.fsa.gov.uk/register or telephone 0845 606 1234. We can be contacted at the address and phone number at the bottom of the page.
Our Service As general insurance intermediaries we act on your behalf in arranging insurance. We can offer advice on a wide range of insurance products, and place cover with a number of insurers. For some types of insurance we deal predominately with a single or limited number of insurers that we have selected as offering value for money and quality service. We will make a recommendation to you after we have assessed your needs, or advise you if we are unable to meet them. We will provide prompt assistance should you need to make a claim.
Confidentiality and Data Protection All information we hold about you will be treated as private and confidential and kept secure. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance. We may pass information about you that may include details of your payment record to credit reference agencies for the purposes of arranging payments by instalments. We may also use the information we hold about you to provide you with information on other products and services we can offer that we feel may be appropriate to you. If you cancel or lapse your policy we may contact you subsequently to provide a quotation. Under the Data Protection Act 1998 individuals have rights of access to any personal information held about them.
Financial Services Compensation Scheme (FSCS) We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information is available from www.fscs.org.uk
Complaints It is our intention to provide you with the highest possible level of customer service at all times. Should you wish to complain you may do so to our Managing Director, Alan Grant:
In writing at the address below
By telephone on 0131 557 6868
By Fax on 0131 557 3033
By e-mail to: alan@castlecairn.co.uk
In person by visiting our office, by appointment
Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further details will be supplied at the time of responding to your complaint.
Client Bank Accounts Your money will be segregated into a non-statutory client bank account held by Castle Cairn as trustees on your behalf. This means credit may be extended and payments may be made to other customers using cleared funds from the client bank account. We may pass the money you pay us to another intermediary. We will only do this where it is a necessary part of the process of arranging cover for you. Any interest earned will remain in the ownership of Castle Cairn (Insurance Brokers) Ltd.