Important Information

Ramasis Limited use a number of different trading styles including …

We are an independent insurance intermediary based in the UK.

We are authorised and regulated by the Financial Services Authority (FSA) and offer a range of insurance products and act on behalf of a panel of insurers.

Our FSA register number is 306294 and our permitted business is advising on and arranging general insurance contracts. You can check this on the FSA's Register by visiting their website www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

We are also regulated by the Ministry of Justice in respect of claims management activities - our register number is CRM9189.

Insurance Companies (Third Insurance Directives) Regulations 1994

Before entering into an insurance contract we are required to provide you with the following information …

Law Applicable to Contract

English law will apply in the absence of any agreement to the contrary

Complaints Procedure

It is our aim to provide a first class standard of service; but we recognise that things can go wrong.

We take all complaints seriously and aim to resolve our customer's problems promptly.

To ensure that we provide the kind of service you expect we welcome your feedback. We will record and analyse your comments to make sure we continually improve the services we offer.

Most of our customer's concerns can be resolved quickly; but occasionally more detailed enquiries are needed.

Steps to Take
Please Note

The ombudsman will only consider your complaint if you have given us the opportunity to resolve it. Following our complaints procedure does not affect your legal rights.

Anti-Fraud Database

Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search these registers. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers.

Motor Insurance Database

Your insurance cover details will be added to the Motor Insurance Database, run by the Motor Insurers' Information Centre (MIIC). This has been set up to help identify uninsured drivers, and may be searched by the Police to help confirm who is insured to drive. If there is an accident, the Database may be used by insurers, MIIC and the Motor Insurers' Bureau to identify relevant policy information.

You can ask us for more information about this.

You should show this notice to anyone insured to drive the vehicle covered under the policy.

Material Facts

Your attention is particularly drawn to the importance of the declaration on Insurers' proposal forms / statements of insurance.

Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate the cover and result in a claim not being paid. Please consult us if you are in any doubt on any aspect.

Charges

In addition to premiums charged by the Insurer we will normally make a charge to cover our administration costs for the specified activities:

Call Recording

For our joint protection telephone calls may be recorded and/or monitored

Payment

By clicking the proceed button after selecting your payment method you are offering to purchase insurance at the price stated and subject to our and the insurer's terms and conditions.

Payment is accepted by Visa, MasterCard, Switch, Solo, Delta, Visa Debit, Direct Debit, BACS, CHAPS and cheque. Payment must be received before any insurance contract or service become effective.

Ramasis Limited has introduced new security measures into its online payment process. 3D Secure is a new method of increasing online security. Depending on the card you've chosen to use, when you click the payment button you may be asked by your card issuer for further authentication.

The price will be stipulated at the time when you commit to purchase insurance. We are entitled to make adjustments to the prices to take account of any increase in our suppliers' price or if due to an error or omission the price published for the insurance on our web site is incorrect. We will inform you of the correct price and give you the option to cancel your order.

We only accept payments from UK registered cards in Pounds Sterling. We will send a confirmation of payment by email on all internet transactions.

Delivery

Documentation will be delivered by email in the form of industry standard PDF (portable document format) attachments.

It is the customer's responsibility to ensure the email address they have provided is correct and inform us if documentation is not received.

The option to have documents printed and dispatched by First Class Post is also available. We may charge an administration fee to cover our costs for this service, the price of which will be clearly communicated prior to committing to an insurance related purchase.