1. Acceptance of Terms

 

1.1 Introduction:

 

Welcome to Apple Insurance Services Ltd’s Terms and Conditions (“Terms”). By using our services, you agree to comply with and be bound by these Terms.

 

1.2 Updates:

 

These Terms may be updated, and it is your responsibility to review them regularly. The “Last Updated” date indicates the latest version.

 

2. Definitions

 

2.1 “We,” “Us,” “Our”:

 

Refers to Apple Insurance Services Ltd.

 

2.2 “You,” “Your”:

 

Refers to users engaging with our services.

 

3. Service Provision

 

3.1 Insurance Services:

 

We act as an independent insurance intermediary, arranging and administering insurance policies. No advice is provided on policy purchases.

 

3.2 Claims Assistance:

 

We do not assist with claims but are available for policy-related adjustments.

 

4. Information Accuracy

 

4.1 Providing Information:

 

You must provide accurate and up-to-date information during the application process. Failure to do so may affect the validity of your insurance.

 

4.2 Material Facts:

 

All customers must disclose ‘Material Facts’ that may influence coverage or terms, both at the policy’s inception and throughout its duration.

 

5. Payment and Fees

 

5.1 Commission and Charges:

 

We receive commissions from insurers and may charge administration fees. Charges vary for new business, renewals, and mid-term adjustments.

 

5.2 Cancellation Fees:

 

Policies cancelled due to non-disclosure are subject to a £50 charge. Consumer policies cancelled during the ‘Right to Cancel’ period may incur a £50 administration charge.

 

5.3 Net-Premium Policies:

 

Arrangements for policies on which no commission is earned (“net-premium policies”) will be communicated, including any arrangement fees.

 

5.4 Commission Disclosure:

 

Commercial policyholders are reminded of their right to be advised of the commission received from underwriters.

 

6. Complaints Procedure

 

6.1 How to Complain:

 

For complaints, contact Azmat Hussain at 363 Barlow Moor Rd, Manchester, M21 7FZ, or by phone at 0161 81 2139.

 

6.2 Response Time:

 

We aim to acknowledge complaints within 5 working days and provide a final response within eight weeks.

 

6.3 Financial Ombudsman Service:

 

Unresolved complaints may be referred to the Financial Ombudsman Service. Further details are available at http://www.financial-ombudsman.org.uk/.

 

7. Cancellation Policy

 

7.1 Right to Cancel:

 

Policyholders have a statutory right to cancel within a specified period. Refer to your policy summary or document for details.

 

7.2 Pro Rata Refund:

 

Cancelling during this period allows for a pro rata refund. Administrative costs may be retained.

 

7.3 Late Cancellation:

 

Cancelling outside the statutory period may result in no pro rata refund, and administrative costs may be retained.

 

8. Compensation Arrangements

 

8.1 FSCS Coverage:

 

We are covered by the Financial Services Compensation Scheme (FSCS). Compensation details vary based on the type of business and claim circumstances.

 

8.2 Further Information:

 

Details about the FSCS are available at http://www.fscs.org.uk/ or by calling 020 7892 7300.

 

9. Language, Applicable Law, and Protecting Your Money

 

9.1 Communication Language:

 

English is the language for all communications, contractual terms, and information provided.

 

9.2 Applicable Law:

 

These Terms are subject to English Law and the jurisdiction of English Courts.

 

9.3 Protecting Your Money:

 

Premiums are held as agents of the insurer. Transfers follow FCA rules, with interest earned retained.

 

10. Providing Information to Insurers

 

10.1 Responsibility:

 

Your insurance is based on the information provided. Promptly notify us of changes to maintain accuracy.

 

11. Company Information

 

11.1 Company Details:

 

Apple Insurance Services Ltd

Companies House Number: 11750703

Address: 363 Barlow Moor Road, Chorlton, M21 7FZ

Authorised and Regulated by the Financial Conduct Authority

FCA Reference Number: 841040

 

12. Governing Law and Severability

 

12.1 Governing Law:

 

These Terms are governed by English Law.

 

12.2 Severability:

 

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in effect.