For independent advice call 01892 891 900
Terms of Business & General Information
STATUS
Berwick Devoil Healthcare Limited is an independent intermediary who acts as your agent and accept responsibility for the advice given and for arranging your insurance. We are authorised and regulated by the Financial Services Authority. Our registration number is 304127.
OUR INCOME
Our income is normally derived from commission paid to us by the insurers or service providers. In certain circumstances we reserve the right to charge a fee for our services. Any fee will be discussed and negotiated in the first instance with you. These fees will be subject to VAT at the usual rate.
INSURANCE PREMIUM TAX (IPT)
Insurance Premium Tax is payable on most general insurance, including private medical insurance. The current rate is 6%. IPT is not applicable in the Channel Islands.
COMPLAINTS PROCEDURE
It is our intention to provide you with a high level of customer service at all times. If we do not meet your standards please contact our complaints officer, either verbally or in writing, who will take details of your concerns. We will acknowledge in writing advising you of who is dealing with your concerns and attempt to address these within 5 working days. If our investigations take longer we will provide a full response within 20 working days or explain our position and provide time scales for a full response.
In the event of that you are not satisfied with the outcome you may contact the Financial Ombudsman Service (FOS). Details of the FOS will be found in a leaflet sent to you in the initial letter acknowledging your complaint. Any contact with the FOS should be within 6 (six) months or your rights could be affected.
DUTY OF DISCLOSURE AND COMPLETION OF PROPOSAL FORMS
May we draw your attention to the importance of the Declaration and Signature on Insurers’ proposal forms. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate the cover.
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance.
It is important that you ensure that all statements you make on proposal forms, claim forms and other documents are full and accurate.
Please note that if you fail to disclose any material information to your insurers this could invalidate your insurance cover and could mean that part or all of a claim may not be paid.
You are reminded that if you have a birthday between the quotation date and date of inception of cover you may find that your premium may be increased.
PRIVATE MEDICAL INSURANCE
The basis of private medical insurance is to pay medical expenses for the treatment/curing of a medical condition. Although insurance policies vary (and we will draw your attention to variations where appropriate) the following are not normally covered:
• Medical Conditions, or related conditions, which existed prior to your taking up cover.
• Long term (chronic) conditions.
• Routine screening, medical examinations or sight testing.
• Treatment for drug or alcohol abuse
• Dental conditions
• Cosmetic treatment.
• Normal pregnancy.
• Treatment in Health Hydros
• Treatment by non recognised practitioners (unless agreed by the insurer)
• Out-patient drugs and dressings
• GP fees.
Private medical insurance is an annually renewable contract. At your renewal date your insurer will review your cover and your costs will be increased to reflect both medical cost inflation and normally your age. We feel we should also point out that the increases are always likely to be above the rate of inflation.
LEGAL JURISDICTION
The Policy will be governed by and shall be construed in accordance with English Law and shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Berwick Devoil Healthcare Limited is registered under The Data Protection Act 1984.
Registration number A2036134
Berwick Devoil Healthcare Limited, Norton Barton, Launcells, Bude,
Cornwall EX23 9LG is authorised and regulated by the Financial Services Authority.
STATUS
Berwick Devoil Healthcare Limited is an independent intermediary who acts as your agent and accept responsibility for the advice given and for arranging your insurance. We are authorised and regulated by the Financial Services Authority. Our registration number is 304127.
OUR INCOME
Our income is normally derived from commission paid to us by the insurers or service providers. In certain circumstances we reserve the right to charge a fee for our services. Any fee will be discussed and negotiated in the first instance with you. These fees will be subject to VAT at the usual rate.
INSURANCE PREMIUM TAX (IPT)
Insurance Premium Tax is payable on most general insurance, including private medical insurance. The current rate is 6%. IPT is not applicable in the Channel Islands.
COMPLAINTS PROCEDURE
It is our intention to provide you with a high level of customer service at all times. If we do not meet your standards please contact our complaints officer, either verbally or in writing, who will take details of your concerns. We will acknowledge in writing advising you of who is dealing with your concerns and attempt to address these within 5 working days. If our investigations take longer we will provide a full response within 20 working days or explain our position and provide time scales for a full response.
In the event of that you are not satisfied with the outcome you may contact the Financial Ombudsman Service (FOS). Details of the FOS will be found in a leaflet sent to you in the initial letter acknowledging your complaint. Any contact with the FOS should be within 6 (six) months or your rights could be affected.
DUTY OF DISCLOSURE AND COMPLETION OF PROPOSAL FORMS
May we draw your attention to the importance of the Declaration and Signature on Insurers’ proposal forms. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate the cover.
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance.
It is important that you ensure that all statements you make on proposal forms, claim forms and other documents are full and accurate.
Please note that if you fail to disclose any material information to your insurers this could invalidate your insurance cover and could mean that part or all of a claim may not be paid.
You are reminded that if you have a birthday between the quotation date and date of inception of cover you may find that your premium may be increased.
PRIVATE MEDICAL INSURANCE
The basis of private medical insurance is to pay medical expenses for the treatment/curing of a medical condition. Although insurance policies vary (and we will draw your attention to variations where appropriate) the following are not normally covered:
• Medical Conditions, or related conditions, which existed prior to your taking up cover.
• Long term (chronic) conditions.
• Routine screening, medical examinations or sight testing.
• Treatment for drug or alcohol abuse
• Dental conditions
• Cosmetic treatment.
• Normal pregnancy.
• Treatment in Health Hydros
• Treatment by non recognised practitioners (unless agreed by the insurer)
• Out-patient drugs and dressings
• GP fees.
Private medical insurance is an annually renewable contract. At your renewal date your insurer will review your cover and your costs will be increased to reflect both medical cost inflation and normally your age. We feel we should also point out that the increases are always likely to be above the rate of inflation.
LEGAL JURISDICTION
The Policy will be governed by and shall be construed in accordance with English Law and shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Berwick Devoil Healthcare Limited is registered under The Data Protection Act 1984.
Registration number A2036134
Berwick Devoil Healthcare Limited, Norton Barton, Launcells, Bude,
Cornwall EX23 9LG is authorised and regulated by the Financial Services Authority.