98%

Customer Satisfaction

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Rated our service ‘extremely good’

CC Flint & Co Ltd Terms of Business

Important information please read.

Who are we?

Flint Insurance, Flint Business, Flint Group Insurance, Flint Private Clients, Motor Risk Fleet solutions, Motor Trade Risk Solutions and CC Flint & Company are trading names of CC Flint & Co Ltd, we are an independent intermediary.

Who regulates us?

The Financial Conduct Authority (FCA) is the independent financial conduct regulator in the UK. CC Flint & Co Ltd is authorised and regulated by the FCA. Our FCA registered number is 304868 and you can check this on the register by visiting the FCA website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.

Our service and the products we offer

We pride ourselves on delivering the best possible experience and independent advice, by asking you questions that enable us to assess your demands and needs. We can then provide you with enough information to enable you to make an informed choice.

  • We offer products from a range of insurers for private car, small commercial vehicles (under 3.5t), motorcycle and household
  • We offer a selection of commercial products from a range of insurers.
  • We offer breakdown, GAP, caravan and travel insurance from a limited number of insurers and a list of these can be supplied upon request.
  • We offer family legal insurance from Sparta
  • We offer Excess Protect insurance from Crusader Assistance
  • We offer Healthcare cover from BUPA

What insurers need from you

When answering questions, it is your duty to be honest and reasonable. The questions asked are designed to give us as comprehensive a picture as possible of the nature of the risk to be insured and only by asking such questions and receiving answers which are given honestly and with reasonable care, can we or the insurer be able to offer terms which are designed to meet your demands and needs.

If you fail to tell us or the insurer something when asked or if you answer carelessly or act deliberately or recklessly in making misrepresentations your policy may leave you with no insurance protection. Insurers may not pay a part or all of any claim and may cancel your policy. This may make it difficult to rearrange insurance and you will have to disclose this fact when you re-apply for insurance.

We look after your money

To protect your money, we hold your money as an agent of the insurer. In arranging your insurance, we may employ the services of other intermediaries who are regulated by the FCA and your money may be passed to them for payment of your insurance. Interest that may be earned will be retained by CC Flint & Co Ltd.

We constantly monitor the financial strength of insurers who we place business with, adverse changes could affect solvency and we cannot therefore guarantee the ongoing financial strength of any insurers, which could result in a liability for the premium which could be the full premium or pro-rata if they become insolvent.

Our fees and charges

Important note, our fees and our charges are non-refundable if the policy is cancelled. All refunds are made after deduction of any commission earned and our stated fees. At any time, you may request information on our and the agreed providers income or profit share.

Explanation of feeAmount of fee
Commercial insurance specified consumer productsA fee may be charged for arranging insurance where no commission is earned or where additional work is undertaken.Will be confirmed prior to inception. Where commission is earned we will explain why a fee is also being charged.
Personal insurancePolicy amendment charge£30
CancellationFor the cancellation of a contract£30
Personal insurance cancellationCancellation within the 14-day cooling off period£30
Motor Fleet and Motor TradeAdjustment chargeMinimum £30, 10% of the adjustment charge up to a maximum £200.
Motor Fleet and Motor TradeReturn premiums following an adjustment£30
Commercial insuranceAdjustments charge (Including refunds)£30

 

You may also incur the following costs from your insurer or credit provider:

  • Insurers charges upon cancellation – practises vary, so please refer to the policy documents.
  • Credit charges depending on the chosen payment method.
  • Arrangement fees may be withdrawn with prior agreement.

Where you accept our referral to an agreed legal representative we may receive a referral payment, full details will be supplied upon request.

Making and reporting a claim

To limit your losses, you should report an incident as soon as possible. At Flint Insurance we give you access to a dedicated claims service which provides 24-hour assistance.

Commercial Business – 0208 309 3159

Commercial Motor / Motor Fleet – 0344 409 6625
(FMG Support Group Limited is our appointed claims handler)

Motor Trade – 0800 915 8077
(Crusader Assistance is our appointed claims handler)

Personal Lines Household – 0208 309 3405

Personal Lines Motor – 0800 915 0877
(Crusader Assistance is our appointed claims handler)

Private Clients – 0208 309 3407

How to amend your policy

To make a change to your policy call the department telephone number on your paperwork or our reception on 0208 309 5000. We will advise you of any additional premium, fees and or charges at the time.

How to cancel your policy

Telephone, email the team confirmed on your paperwork or Info@flintinsurance.co.uk or write to us. Please remember to confirm the date you would like cancellation to be effective from. Any applicable refunds or balance owing will be confirmed upon receipt of your instructions.

Renewing your policy

We will invite renewal with the most appropriate insurer before your renewal date, sending the full information by email or post. You will need to instruct us to proceed with your policy at renewal otherwise cover will lapse upon the expiry date and you will have no cover in force. You may renew with your current insurer please advise us when you instruct us.

Automatic Renewal by prior agreement

If you have previously agreed with us to continue to use your direct debit, we will automatically renew your policy with the most appropriate insurer. If you do not wish to renew the policy, please let us know by calling the appropriate team or our reception on 0208 309 5000.

What happens if you default on your instalment agreement

If you fail to meet the payment as agreed you acknowledge and agree that we may instruct cancellation on your behalf and to collect any refund of premium to offset any outstanding costs.

Confidentiality

  • We treat all customers personal information confidentially and we keep your data private to us and anyone else involved in the normal course of arranging and administering your insurance. This follows the General Data Protection regulations (GDPR).
  • We assume the information you have given is correct unless you tell us otherwise, so don’t forget to tell us of any changes.
  • Only you, your chosen representative or legal representative will be accepted to alter your policy, to ensure we are speaking to an authorised person we will ask them specific questions.
  • We may use information we hold about you to provide you with information about other products or services we offer.
  • With your agreement we will communicate with you by post, telephone, email or SMS and hold meetings with you when appropriate. You can select or change your preferred contact method at any time.
  • Under the GDPR you have the right to see your information at any time, you can request this by contacting our office, at our usual office address.
  • We record calls for quality and training purposes and we may use the calls to assist with disputes.
  • Full details of our privacy statement can be found at our website flintinsurance.co.uk or you may request a printed version.

Preventing and detecting fraud

Insurers pass information to the claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd) the Hunter Database run by MCL software Ltd and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers (ABI). The aim is to check information provided and also to prevent fraudulent claims. When dealing with your request for insurance, insurers may search these registers. Under the conditions of your policy, you must tell us about any incident which may or may not give rise to a claim. Any that you do tell us about may be recorded on the registers.

For motor insurance, your details will be added to the Motor Insurance Database (MID), run by the Motor Insurance Information Centre (MIIC). MID data may be used by the DVLA and the DVLNI for the purpose of establishing that a driver is insured along with aiding the detecting and prevention of crime. If you are involved in an accident abroad the Motor Insurance Bureau and MIIC may search the MID as can persons pursuing a claim from another country, to gain the relevant information.

Find out more by visiting www.miic.org.uk.

To help detect or prevent fraud we and our panel may at anytime:

  • Share your information with public bodies including the Police.
  • Check your information with fraud prevention agencies, data bases and record false or inaccurate information.

We and our panel may also search these agencies and databases to help

  • Make decisions about the provision and administration of insurance, credit and related services provided. This can include quotation searches which can be identified on your credit history.
  • Check your identity
  • Trace debtors or creditors

Conflicts of interest

Sometimes there could be a conflict of interest with ourselves or one of our product providers. If this arises we will let you know as soon as possible, informing you of the steps we have taken to ensure your fair treatment and to gain your consent before we carry out your instructions.

What you need to do if you wish to complain

Our aim is to provide you with an exceptional service, however if at anytime you are unhappy with our service or that of our panel we have a formal complaints procedure.

  • In the first instance raise your complaint with one of our team.
  • If you remain dissatisfied, please contact Paul Walker our Operations manager.
  • We will acknowledge your complaint promptly confirming who will be handling your complaint and giving you details of the Financial Ombudsman Service where this applies.
  • If your complaint relates to a service provider, we will advise you of this in writing confirming the reason for our decision and forward your complaint to the appropriate party.
  • We will make a final response as soon as practicable and keep you reasonably informed as we progress. We anticipate that we will be able to provide a substantive response to your complaint within 8 weeks.
  • By the end of 8 weeks from receipt of your complaint, we will issue you with a final response or issue a response that gives the reason for the delay and indicates when we will be able to provide a final response, if you are dissatisfied with our response or the delay at this time you will have a period of 6 months in which you can refer to the Financial Ombudsman Service.
  • Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR or call 0800 0203 4567.

Lloyds Syndicates only Flint Insurance acts upon the behalf of Lloyds syndicates, for a complaint about a Lloyds syndicate you may report the incident to Flint Insurance or ask Lloyds to investigate by contacting complaints@lloyds.com

Governing Law

This document and all other information we issue, is directed at United Kingdom residents and shall be governed by and work in accordance with, English Law. It is also subject to the jurisdiction of the English Courts.

Compensation Scheme

We and your insurer if unable to meet our obligations are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation, for further information about the scheme please visit their website at aaa.fscs.org.uk or call us.

CC Flint & Co Ltd Crayfield House, Crayfield Industrial Park, Orpington, Kent, BR5 3HP.