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Policy Information and Underwriters
For information on Policy and Underwiters please see below.
Policy acceptance is subject to the conditions listed in ´conditions of quote´ and any other information provided by you. If it is subsequently discovered that you fail to meet these conditions, or you have failed to disclose material information, this could result in amended terms, a claim being rejected or the policy being invalid. The details given usually provide us with sufficient information to enable us to consider the application. However, please consider carefully whether there is any other material information known to you which could influence our acceptance or assessment of your application. Material information would include any special features of the property, or anyone who normally lives at the property which makes losses more likely to happen or more serious if they do. If you are unsure whether a piece of information is material you should disclose it by telephoning us on 0800 032 1752. Please note, if you do not disclose all relevant information or if that information is inaccurate, claims may be affected or we may cancel your policy.
When giving us information about another person, we believe that you act for them with their knowledge and approval. We also believe that you have their authority to agree to the processing of their personal details to determine the cover offered. We will hold this information no longer than necessary. We assume that the information you have given us is accurate. If anything is incorrect in the details we send you, please let us know.
Data Protection Act - Any information you provide will be held by HBOS plc. It may be used by selected third parties, unless you have already asked us not to do so.
We would advise you that we exchange information with insurers through various databases to help us check information provided and also to prevent fraudulent claims. We will include further details when we write to you.
The policy includes a 30 day cooling off period for you to consider the cover. If you decide that the cover is not what you wanted, you can change your mind without charge provided that you have not needed to make a claim.
The law of the United Kingdom says you and we can both chose the law which will apply to this contract, This contract is governed by English law unless it says differently anywhere else in the policy.
Underwriters.
Your Home Insurance policy is underwritten by:
Buildings, Contents, Personal Belongings
St Andrew´s Insurance plc
Registered in England
Company Number 3104671
Home Emergency
Inter Partner Assistance
Registered in England and Wales
Company Number F.C.008998
Legal Expenses
DAS Legal Expenses Insurance Company Limited
Registered in England and Wales
Company Number 103274
The Insurers are based in the United Kingdom.
Any queries or complaints you may have regarding your policy, or a claim notified under your policy, may be directed to Halifax General Insurance Services Limited by calling us on 0845 600 0773.
Alternatively, see ´Contact Us´ for full details of the complaints procedure.
Halifax General Insurance Services Limited is part of the HBOS Group.Registered in England No.2791889, Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG.
