Terms

Enni-Scheme Commercial Insurance Services are regulated by the Financial Services Authority and conducts all its business as set down by the FSA code of practice. Enni-Scheme is defined as a multi-agency.

1. Enni-Scheme will provide the CLIENT with all documents such as policies, certificates, renewals and endorsements; explain the essential provisions of the policy cover including restrictions and exclusions; advise on claim procedures and treat in confidence all information the CLIENT provides.
2. The CLIENT, in instructing Enni-Scheme to arrange an insurance policy, agrees to pay in full the appropriate premium as demanded together with any additional premiums arising through adjustments to the policy.
3. If we are acting on your behalf in arranging your insurance, and you ask us to, we will tell you what our commission is, and any other amounts we receive for arranging your insurance or providing you with any other services.
4. If the CLIENT cancels a policy mid-term, Enni-Scheme reserves the right to recoup any loss of commission, which may be deducted before refunding any monies.
5. If the CLIENT fails to pay the appropriate premium for any policy within 14 days, the CLIENT shall automatically be deemed to have instructed Enni-Scheme to cancel the policy.
6. If the CLIENT defaults on direct debit payments, the CLIENT agrees to settle the outstanding amount within 7 days. Failure to do so will result in the policy being terminated.
7. After cancellation of an insurance policy the CLIENT agrees to pay any shortfall in the insurance premium as advised in writing.
8. If Enni-Scheme is instructed by the CLIENT or the CLIENT'S agent to place a policy on risk and then the policy is subsequently cancelled, the CLIENT or the CLIENT`S agent will be responsible for any charge levied by the insurer for the time on risk, together with any administration fee charged by Enni-Scheme.
9. If any amounts remain unpaid, Enni-Scheme will appoint a debt collection agency to collect the outstanding balance on their behalf. All additional charges and costs incurred in the collection of the outstanding debt, including those of the debt collecting agency, will be added to the debt. (Details of charges will be notified to the CLIENT as they occur).
10. Enni-Scheme treats all CLIENT information confidentially as required to do so by the Data Protection Act.
11. Should the CLIENT have a complaint they should write to Mr. S. R. Ennis at Enni-Scheme Commercial Insurance Services, Alexandra House, Royal Pier Road, Gravesend, Kent DA12 2BD with full details. If Mr S. R. Ennis does not resolve the complaint to the CLIENT'S satisfaction, the CLIENT will be advised of the relevant INSURER'S complaints procedure. The INSURER will then investigate the matter and if the CLIENT is still not satisfied details will be provided of relevant adjudicator schemes such as The Financial Ombudsman Services, The Corporation of Lloyds or the Personal Insurance Arbitration Service.