Terms and conditions of business
About us
The A&A Group Ltd of Garrick House, 161 High Street, Hampton Hill, Middlesex, TW12 1NG is authorised and regulated by the Financial Services Authority. This can be checked on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
We provide advice based on a fair analysis of the market for motor insurance and commercial insurance. We provide information only for breakdown insurance, legal expenses, payment protection and excess reimbursement insurance on the basis of a single insurer, though we are not required by contract to do so. Ask us for details of the insurers.
Our service charges
| Arranging a new policy and renewals | As advised before you purchase your policy |
| Making a change to a policy | Standard £25 but may be up to 10% of annual premium |
| Issuing a duplicate insurance certificate | £20 |
| Administration of a dishonoured payment | £20 |
| Policy cancellation fee | See Your cancellation rights below |
| Arranging payment of premium by instalments | £18 new business, £15 renewals |
| Credit charge for premium instalments | 14% of annual premium |
| Credit card transaction | 1% of the transaction value |
Some insurers may also make charges for changing a policy - you will be informed of this before incurring a charge.
Payment by instalment
You can choose to spread your premium payment with an initial deposit and eight further monthly payments. Please note that, in the event of a claim, instalments must continue to be paid until the full premium and charges have been settled.
Protecting your money
We hold your premium payment in a trust account until it is passed to the insurers. While it is in the account, your money cannot be used for any purpose other than paying the insurers or any brokers through whom we may have arranged your insurance. We will retain any interest earned on the account.
Your duty of disclosure
It is your responsibility to provide complete and accurate information when taking out an insurance policy. You must also inform us of any changes to your policy details during the life of your policy, including at renewal. If your policy is based on incorrect information your insurance may be invalidated and claims may not be paid. Please read carefully all policy documentation sent to you and inform us immediately of any incorrect information shown.
Your cancellation rights
If you are a private customer, you have the right to cancel a new policy within 14 days of when you purchase your policy or of when you receive your policy document, whichever is later, and a renewed policy within 14 days of renewal date. Provided you have not incurred any claims during that period, the insurers will pay a pro-rata refund of premium, subject to a minimum charge, from which we will deduct a cancellation fee of £45.
If you cancel after 14 days, motor insurers are likely to use a short-period cancellation scale for calculating refunds, as follows:
| Period of cover up to | One month | Two months | Three months | Four months | Five months | Six months | Seven months | Eight months |
| Premium payable | 30% | 40% | 50% | 60% | 70% | 80% | 90% | 100% |
In addition, we will charge a cancellation fee of £45 and will retain up to 15% of any premium refund as commission (unless you are replacing the policy through our agency).
After the 14 day cooling off period has expired, breakdown, legal expenses and excess reimbursement premiums are non-refundable but payment protection is refundable on a pro-rata basis.
If you are a commercial customer, any right to cancellation will be detailed in your policy.
If you have a complaint
We have a real commitment to customer care. We aim to be regarded as a company that puts the customer first.
If, however, you are unhappy with any aspect of our service please phone us on 020 8939 3900. If you remain dissatisfied, you may be able to refer your complaint to the Financial Ombudsman Service.
Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. You may be entitled to compensation from the scheme if we are unable to meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.
Governing law
The laws of England and Wales govern this agreement and any dispute is subject to the jurisdiction of the English courts.