1. Who are we?

Falcon Insurance and Falcon Bikes are trading styles of Falcon Underwriting Ltd, an independent intermediary.

2. We are authorised and regulated by the Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. Our FSA Register number is 464064. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. Our permissions enable us to act in relation to non-investment insurance contracts. Use this information to decide if our services are right for you.

3.Whose products do we offer?

We offer motorcycle, car, van, taxi, household, travel and pet products on the basis of a fair analysis of the market. We can only offer products from a single or limited number of insurers for scooters, quad bikes, breakdown, and loss of keys. Ask us for a list of these.

4. Which service will we provide you with?

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

5. What you will have to pay us for this service?

We reserve the right to make charges for the services we provide in arranging and renewing any insurance policy. Charges are normally up to £100 for policy arrangement and £100 for renewal or as per our statement of price. The amount is dependent on the type and size of policy and the work involved and will be declared to you on our statement of price. If a policy is cancelled mid-term we will charge up to £50 to cover our administration costs plus recover any lost commission. We also make a charge of up to £100 for policy alterations, £25 for dishonored payments and debt referral, and £10 for duplicate certificates plus any charge made by the insurer. All our fees are non-refundable.

6. What to do if you have a complaint?

It is our intention to provide you with a high standard of service at all times but if you wish to register a complaint, please contact us in writing to: - The Customer Services Manager, Falcon Underwriting Ltd, 74 Oldbury Road, Rowley Regis, West Midlands B65 0JS By telephone: 0844 557 0720 If you cannot settle your complaint with us you may be able to refer to the Financial Ombudsman Service.

7. 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. Non Compulsory Insurance is covered for 90% of the claim without any upper limit.

For Compulsory classes of insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information on the scheme is available from the FSCS.

8. Looking after your money

All our insurers have appointed us as agents for the receipt of money and they specify the banking arrangements for their money. It is retained in a client account until it is paid to them or intermediary brokers for your insurance. "We have full risk transfer with all of our Insurers. When you pay us your premium it is deemed to have been received by the Insurer and is therefore safe. We retain any interest earned on premiums"

9.1 Payment

You are responsible for paying premiums by the due date. We have no obligation to fund premiums for you and have no responsibility for any loss you may suffer as a result of the insurer cancelling the policy due to non-payment. We normally accept payment by cash, Cheque, debit or credit card. Instalment facilities are available. Please ask for details. If you proceed you will be told of relevant charges prior to completion of sale. Where you chose an instalment option, in the event of a claim on the policy you must continue to make the agreed payments until the entire premium and charges have been settled. We may use a debt recovery agency to recover any outstanding premium.

9.2 Debt Recovery

We use Debt Recovery Agents to recover any outstanding premium. All invoices are due for payment on the 30th day of the month following the invoice date. Any invoice outstanding beyond this period will be referred to our Debt Recovery Agents and will subject our standard referral fee of 10% or £25 which ever is the greater. Our recovery agents will add a surcharge of 15% plus VAT. This surcharge together with all other charges and legal fees incurred will be your responsibility and will be legally enforceable.

10. Your duty of disclosure

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy. It is important that you ensure all statements you make on proposal forms, claim forms and all other documents are full and accurate. If you fail to disclose any material facts to your insurers at the outset or other relevant time including renewal this may invalidate your insurance and result in all or part of a claim not being paid. If you are unsure what constitutes a material fact you may ask us for guidance.

11. Your responsibility to read all documents

When a policy and related documents, e.g. policy summary, demands and needs statement, are issued you must read them carefully as they form the basis of the cover you have purchased.

If you are in doubt over any of the policy terms or conditions, please ask us promptly.

12. Your cancellation right

Consumers have the right to cancel new policies within 14 days of receipt and renewal instructions within 14 days of renewal. If this right is exercised insurers will charge for the cover provided including administration costs. Full details are provided in your policy summary. This right is in addition to any other cancellation right consumers have after expiry of the 14-day period and where relevant these are detailed in the policy document. Some products are non-refundable after the 14 day period; this will be indicated in the policy document. If a commercial customer has a right to cancellation this will be detailed in the policy document. Our own charges and commission are separate to any insurer transactions and if a policy is cancelled at any time these will not be refunded.

13. Protecting your data

Insurers share information with each other to aid the prevention of fraudulent claims. In the event of a claim information is placed on industry registers for analysis. Under the Data Protection Act you have the right of access to your personal records held on our files and we will tell you the fee if you ask us for a copy of your information. Confidential data is not otherwise shared with other parties unless it is a legal or regulatory requirement.

14. What to do in the event of a claim

All incidents should be reported immediately to Falcon Claims Service on 0844 557 0717 operated by Claims Recovery Service, who offer our clients a swift and professional service. Please call us if you have any difficulty on 0844 557 0720, or use the insurer claim line detailed in your policy document. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimize the loss, until you have agreement from either your insurer or us.

15. Bike Insurance & Quad Bike Insurance Guarantee

If you incept a bike or quad bike policy via us and you find a cheaper quotation within 48 hours, subject to that quotation being on a like for like basis and that you can provide written proof of such, you may cancel your policy and receive a full refund, subject to all documents being returned to us within 7 days of inception.

16. Governing Law

The laws of England & Wales govern this agreement and the parties agree that any dispute arising from it is subject to the exclusive jurisdiction of the English courts.