Client Area
Welcome to our exclusive members area providing our clients with access to a host of additional information, including but not limited to :
• Current policy documents and schedules for your business
• Terms of Business and other relevant regulatory documentation
• Additional support information and links
If you have any queries or technical support please contact David Green, Managing Director, on 01327 810570, or david.green@insurancelinx.co.uk.
Terms of Business
Please click on the link below to read a copy of our disclosure information and standard Terms of Business. Terms of Business – June 2020
Insurance Act
The Insurance Act 2015 came into force in August 2016 and has implemented the most significant changes to British commercial insurance law for over 100 years. The Act affects the underwriting of risk, changes around disclosure, due diligence and claims settlement. It is imperative that you understand the impact of the reforms, please find attached a document produced by Insurance Linx providing additional recommended reading on this subject. Insurance Act – August 2016
Changes and Developments
It is very easy to set up an Insurance programme and then forget about it until renewal. Whilst the initial setting up of any insurance programme is of utmost importance, it is equally important to review this regularly in order to ensure that the insurances arranged keep up with any changes in your Business Activities. Insurance Linx pride ourselves on ensuring any insurance programme arranged can be tailored to keep up with any new Business Activities and in order to assist, we have prepared brief details of some of the Changes and Developments which may have a bearing on the adequacy of your Insurance Programme. These examples are only a guide and should not be taken as an exhaustive list. If you are in doubt, please contact us.
Sensitive Areas
The Insurance Market has a number of “Sensitive Areas” where Insurers will require full disclosure of information as failure to advise of involvement in these areas may invalidate any insurance claims. Any involvement directly or indirectly should be advised to Insurance Linx immediately. Please clink the link for examples of Sensitive Areas, however please note that these are only examples and should not be taken as an exhaustive list. If you are in any doubt, please contact us.
Risk Exposure
For your information Insurance Linx have prepared details of some of the insurable Risk-Exposures which could impact on your Business. These examples are only a guide and should not be taken as an exhaustive list.
Important Notes
In an effort to make Insurance a little more user friendly, we have prepared some brief explanations of just a few of the major areas where issues with Policy Cover can arise. These Important Notes also detail further useful information regarding some of your Legal Obligations around Insurance and our Terms of Credit. The Important Notes can be accesses by clinking the Link above. These examples are only a guide and should not be taken as an exhaustive list. If you are in any doubt or would like further clarification, please contact us.
Claims Procedures
For the majority of people, Insurance is just a piece of paper which is issued annually, sits in a drawer and it never called upon. It is only when you need to make a Claim that the real value of Insurance is truly appreciated. At Insurance Linx, we want to ensure that if you are unfortunate enough to suffer a Loss then the Claims Procedure should run as smoothly as possible in what can be a very traumatic and difficult time. With this in mind, we have prepared some guideline Claims Procedures which can be accessed by clicking the Link.
In the event of loss, damage or any occurrence which could give rise to a claim you should follow the procedures wherever possible as this will ensure the claim is progressed quickly and any queries are kept to a minimum. If you are in any doubt over what to do or how to proceed, please Contact Us, we will be glad to help.
Financial Conduct Authority
Insurance Linx Limited is Authorised and Regulated by the Financial Conduct Authority (FCA). You can check the Regulated Status of Insurance Linx Limited on the FCA website (https://register.fca.org.uk/)
British Insurance Brokers Association
Insurance Linx Limited is a Member of the British Insurance Brokers Association (BIBA).
Further information on BIBA can be found on their web-site (www.biba.org.uk).
Financial Ombudsman Service
Should you wish to Complain about our Service, please forward your complaint to the Managing Director. If after investigation of your Complaint, you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). For further information you can visit FOS website www.financial-ombudsman.org.uk.
