Important information please read.
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.
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.
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.
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.
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.
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 fee||Amount of fee|
|Commercial insurance specified consumer products||A 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 insurance||Policy amendment charge||£30|
|Cancellation||For the cancellation of a contract||£30|
|Personal insurance cancellation||Cancellation within the 14-day cooling off period||£30|
|Motor Fleet and Motor Trade||Adjustment charge||Minimum £30, 10% of the adjustment charge up to a maximum £200.|
|Motor Fleet and Motor Trade||Return premiums following an adjustment||£30|
|Commercial insurance||Adjustments charge (Including refunds)||£30|
You may also incur the following costs from your insurer or credit provider:
Where you accept our referral to an agreed legal representative we may receive a referral payment, full details will be supplied upon request.
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
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.
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.
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.
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.
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.
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:
We and our panel may also search these agencies and databases to help
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.
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.
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 firstname.lastname@example.org
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.
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.