A & N - Giles Insurance & Investment Consultants

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"A personal approach with Giles Insurance"
We offer a wide range of commercial insurance products including catering liability, catering trailer, commercial vehicle and ice cream van insurance.

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01628 667707
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Please read these terms & conditions. They may affect your policy cover.

Neil Giles trading as Giles Insurance Consultants, 4b High Street, Burnham, Bucks SL1 7JH is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 125098. Our permitted business is introducing, advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts and credit broking and supplementary debt-related administration in relation to insurance instalment facilities.

You can check this on the Financial Services Register by visiting the web site https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.

Accepting our Terms & Conditions

By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to:

  • The section headed ‘The Processing of your personal data’,
  • The section headed ‘Driving Licence and Credit Checks’, which explains when a credit check will be completed; and
  • The section headed ‘Handling money’, which explains our terms for handling client money in a Non-Statutory Trust account

For your own benefit and protection, you should read these terms carefully. If you are unsure about any aspect of our Terms & Conditions or have any questions regarding our relationship with you, please contact us at the above address.

Our service

Helping you to decide - Our role is to advise you and, after we have assessed your needs, to make a suitable recommendation.

The capacity in which we act for you - In providing our service, we may sometimes act as an agent of the insurer. We will confirm the capacity in which we will act for you before undertaking any relevant transactions on your behalf. We act as credit broker not a lender.

Our product range and the range of insurers used - We select personal and commercial insurances from a range of insurers, but for certain products, we only select products from a limited number of insurers or only offer products from a single insurer. We will give you further information about this before we finalise your insurance arrangements; where we select products from a limited number of insurers you may ask us for a list of the insurers we deal with for these products. If we propose using another intermediary to help place your business, we will confirm this to you in good time before any arrangements are finalised. We may be able to offer finance for insurance instalments through Close Brothers Premium Finance. We will give you further information about this before we finalise your instalment arrangements.

Quotations (All Customers)

Quotations given by the company (Giles Insurance Consultants) do not constitute offers. All proposals and requests for insurance are subject to acceptance by insurers. Premiums and terms quoted are subject to confirmation, amounts quoted include commission, charges and insurance premium tax. You may also have cancellation rights under your policy, subject to no claims having been notified during the period.

The quotation records the information notified and facts assumed about You, Your Business and Your Business partners and directors. It must be read in conjunction with the policy, any clauses endorsed on the policy and Your Schedule. This information has been taken into account when calculating the premium, terms and conditions upon which Your policy is formulated.

Fair Presentation of Risk (Applying to Commercial Customers only)

IMPORTANT - This policy is a legal contract. Please remember that you must make a fair presentation of the risk to us. This means that you must:

  1. disclose to us every material circumstance which you know or ought to know or, failing that, sufficient information to alert us that we need to make further enquiries; and
  2. make such disclosure in a reasonably clear and accessible manner; and
  3. ensure that, in such disclosure, any material representations as to a: (a) matter of fact is substantially correct; and (b) matter of exception or belief is made in good faith.


A circumstance or representation is material if it would influence the insurers judgement (as a prudent insurer) in determining whether to take the risk and, if so, on what terms. You must also make a fair presentation of the risk to Us in connection with any variations, e.g. changes You wish to make to Your policy, in which case You must inform Giles Insurance Consultants. If You fail to make a fair presentation of the risk then this could affect the extent of cover provided or could invalidate Your policy. If You are in any doubt as to whether a circumstance is material then You should disclose it.

Disclosures should be specific and made in a reasonably clear and accessible manner. We will not be deemed to have knowledge of any information generally referred to (for example the contents of company websites listed in the risk presentation) or any matter not expressly drawn to our attention. Each renewal invitation is made on the basis of the information we have at the time it is issued. We may revise or withdraw it if, before the date your renewal takes effect, any event occurs that gives rise to a claim or alters the material circumstances under this insurance, even if we are notified after your renewal date.

You should keep a record (including copies of letters) of all information supplied for the purposes of this insurance.

You must check all the information contained in the Quotation and Your Schedule and contact Giles Insurance Consultants immediately if any details are incorrect or incomplete. Failure to do so may mean that Your policy is not valid or the insurer may not be liable to pay all or some of Your claim(s).

Any subsequent alterations to this quotation take precedence over the information contained within it.

Duty to provide information (Applying to Personal Customers only)

You are responsible for answering any questions in relation to any proposal for insurance cover honestly and to the best of your knowledge, providing complete and accurate information which insurers will require. This also applies to your responses in relation to any assumptions you may agree to in the process of applying for insurance cover. This is particularly important before taking out a policy but also at renewal or of if you make a mid-term amendment to your policy. If you fail to disclose information, or misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid.

Your Responsibilities (All Customers)

You must check all details on any proposal form or Statement of Fact and pay particular attention to any declaration you may be asked to sign. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy or mean that claims may not be paid.

You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, please contact us for guidance.

You should be aware that insurers exchange information through various databases to help check information provided and to prevent fraudulent claims. Specifically, Insurance Database Services Limited (IDSL) hosts the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurance companies by policyholders and third-party claimants.

Insurers may validate the information provided by you, both about yourself and about any other person named on the application, against the information held on CUE and against other databases hosted by IDSL. Insurers may use this information to consider whether to accept the risk.

For details relating to information held about you on the Claims and Underwriting Exchange, please visit www.insurancedatabases.co.uk.

Payment of Premiums

Premiums are payable on demand and cover will be effective from the time payment is received. Premiums must be paid by the date(s) specified. You may pay by cheques, credit card, cash, debit card or instalments, subject to status.

Where your premium is paid by direct debit we will, for your protection and subject to your insurer offering renewal terms, automatically renew your existing policy unless you instruct us otherwise. Please note that after a claim, insurers do not normally allow any refund of premium, and direct debit payments must be maintained in full. Should payment be in default we reserve the right to cancel, or to request your insurers to cancel the policy. Any refund will be offset against the outstanding balance. If after application of a refund, any balance remains outstanding and it is necessary for debt recovery agents to be instructed, debt recovery costs will be included.

Responsibility for Cover

Clients are reminded that it is their personal responsibility, under the Road Traffic Act, to ensure that before using or permitting the use of a vehicle on the public highway, they are in possession of a current valid cover note or certificate of insurance. Clients must immediately contact the company if the cover note or certificate of insurance expires, as no cover may exist unless and until, written or documentary confirmation of cover has been received.

The processing of your personal data

In your dealings with us you may provide us with information that may include data that is known as personal data. Where we process personal data we comply with statutory data processing requirements as set out by the Data Protection Act 2018. The personal data we will collect will include information relating to your name, address, date of birth, contact details and ‘health’, ‘criminal offences’ or ‘trade union membership’ details.

We will process your personal data to allow us to provide you with our services as your insurance broker in quoting for, arranging and administering your insurances and in arranging insurance premium finance where applicable. Your personal data will also be used to manage future communications between ourselves. Where you have agreed, or in circumstances where to do so will be in our mutual interests, your personal data will be used to provide you with further information about our wider products and services. You can opt out from receiving such communications by e-mailing insure@gilesinsurance.net.

In processing personal data for insurance purposes about health, criminal offences or trade union memberships, we will only do so to enable us to provide our service to you and on the basis of it being in the public interest.

We will only use your data for the purpose for which it was collected. We will only grant access to or share your data within our firm or other firms associated with us, with other authorised third parties and product and service providers such as insurers and premium finance providers where we are entitled to do so by law under lawful data processing.

The Data Protection Act 2018 provides you with Access Rights that allow you to gain an understanding on the data being processed, who we share it with, for what purpose, why we need to retain it and retention periods, to object to the processing and to place restrictions on the processing, to request copies of your data and to request the deletion of your data.

If you require further information on how we process your data or you wish to exercise your rights, please contact our Data Privacy Representative by emailing insure@gilesinsurance.net or by writing 4b High Street Burnham SLOUGH SL1 7JH or by telephoning 01628 667707. How we process your personal data is detailed further within our Privacy Notice.

Driving Licence and Credit Checks

We, and other firms involved in arranging your insurance (insurers, other intermediaries or premium finance companies may use public and personal data from a variety of sources including credit reference agencies and other organisations. The information is used to help tailor a price, to ascertain the most appropriate payment options for you and to help prevent fraud. Any credit reference search will appear on your credit report whether or not your application proceeds. If you have any questions about this or any other matter, please do not hesitate to contact us.

To ensure our insurers and credit providers have the necessary facts to assess your insurance risk, verify your identity to help prevent fraud and to provide you with their best premium and payment options, they may obtain information from third parties at quotation and renewal and in certain circumstances where policy amendments are requested. This information includes a quotation search from a credit referencing agency. This search will appear on your credit report and will be visible to other credit providers whether or not your applications proceed but will not impact your credit history. It will be clear that this is a quotation rather than a credit application by you to pay by monthly instalments.

Consumer Credit Agreement (provided by Close Brothers Premium Finance) Charge – 11.25% Interest on the financed amount (within this charge Giles Insurance Consultants receive an override rate of 5.3%).

Handling Money

Our financial arrangements with most insurance companies are on a ‘Risk Transfer’ basis. This means that we act as agents of the insurer in collecting premiums and handling refunds due to clients. In these circumstances, such monies are deemed to be held by the insurer(s) with which your insurance is arranged. You will be notified if Risk Transfer does not apply and such monies will then be held by us in a Non-Statutory Trust account pending payment. The establishment of the Non-Statutory Trust account follows FCA rules introduced to protect money held by authorised intermediaries. However, you should be aware that, under the Non-Statutory Trust account rules, we are permitted to use such monies temporarily held to advance credit to clients generally. A copy of the Deed of Trust is available on request or may be inspected at our premises during normal office hours. If you object to your money being held in a Non-Statutory Trust account, you should advise us immediately. Otherwise, your agreement to pay the premium together with your acceptance of these Terms & Conditions will constitute your informed consent to our holding your money in a Non-Statutory Trust account. Interest earned on monies held in such a Non-Statutory Trust account will be retained by us, so you will not receive interest on your insurance premium.

Disclosure of the status of premiums paid to us is clearly set out in our ‘Terms of Insurance Business’. Customers can be reassured all premiums paid to us are held as Agent for the Insurer (or the Insurer’s Agent) under what is termed ‘RISK TRANSFER’. This means that money paid to us is deemed to have reached the Insurer. For information, the FCA CASS rules do not apply to monies held solely under RISK TRANSFER. More information on this is available from http://www.fca.org.uk.

Cooling Off Period (Excluding Cater Protect Property, Liability and Trailer Policies - Underwritten by Aviva)

You have a 14-day ‘cooling off’ period from the date of your policy inception. If the cover does not meet your needs, you have the right to cancel the Policy and receive a refund, unless we have made a claim under the policy when no refund will be given. Any refund will be subject to a deduction for the days you have been covered. The deduction will be calculated on a proportionate basis and will be less the insurer fee or administration charge and Giles Insurance Consultants £30 charge to cover the administration costs to us, for processing the insurance. These charges are subject to Insurance Premium Tax where applicable.

Payments for our Services

We normally receive commission from insurers, product providers and where applicable finance providers. Commission rates are variable and do not, in many cases reflect the work involved by the Company in arranging cover and servicing. The Company in such circumstances will add to the premium brokerage or transaction charge a maximum service charge of £50 per adjustment. When the company arranges a more complex new business policy the company reserve the right to charge an arrangement fee. Where a fee or charge is payable, you will be advised before you commit to it. In good time before the conclusion of each insurance contract, or upon renewal, we will remind you of your right to be informed of the level of commission which we receive from underwriters. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business. We also charge you for handling your insurances and arranging your premium finance as follows:

  • Mid-term amendments - £30
  • Cancellations - £30
  • Issuing duplicate documentation - £30

Amendments to policies after inception can normally be arranged on receipt of full details. These are subject to acceptance by insurers and payment of the company’s quotation.

Policyholders may cancel annual policies by phone, email or written instruction. Subject to no claims having occurred, return of the premiums are given, less any outstanding balance of premium, £30 cancellation fee charged by Giles Insurance Consultants and subject to any refund not exceeding the net amount credited by the insurer.

Giles Insurance Consultants reserves the right to cancel insurances on behalf of clients who fail to pay premiums on demand, or who fail within seven days of a written request by the company.

Please note that we will not refund any commission since this was received for arranging the policy. Motor Insurance commission 17.5% and non-Motor commission 25%. Commission is considered as received directly on payment or a proportion of payment made.

When Legal Expenses and/or Breakdown Cover have been purchased as separate contracts, these will normally run concurrently with your vehicle, or home policy. There is no refund on cancellation.

Ending your relationship with us

Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose a penalty.

Your instructions must be given in writing and will take effect from the date of receipt.

In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days’ notice. Valid reasons may include but are not limited to non-payment of premium or fees, commission clawback by insurers where instructions are given to another party to handle the customer’s insurance(s), failure to provide requested documentation or information, deliberate failure to comply with terms set out within the Terms & Conditions or insurer’s documentation, deliberate misrepresentation or non-disclosure or attempted fraud, Use of threatening or abusive behaviour or language, or intimidation or bullying of our staff or suppliers.

Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms & Conditions. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided.

Card Payment Charges (Commercial Customers Only)

Payment by Commercial Cards will be charged: Business Debit 0.71%, Business Credit Card 1.35% and Commercial International Cards 1.95% of the total amount payable. The charge is in addition to the charges stated above.

Law Applicable to Contract

Clients and insurers are free to choose the law applicable to insurance contracts, but in the absence of agreement to contrary the law of the country residence (or for businesses the registered office or principle place of business) will apply. For non-UK residents of businesses, the Law of England and Wales will apply. These Terms of Business are constituted under English Law, and are subject to the exclusive jurisdiction of the Courts of England and Wales.

Complaints Procedure

We aim to provide you with a high level of customer service at all times but, if you are not satisfied, please contact us:

in writing:
Mr Neil Giles, Giles Insurance Consultants, 4b High Street, Burnham, Bucks SL1 7JH
by phone:
01628 667707
by email:
neilgiles@gilesinsurance.net or insure@gilesinsurance.net

When dealing with your complaint, we will follow our complaint handling procedures; a summary of these procedures is available on request. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). For further information you can visit FOS website http://www.financial-ombudsman.org.uk.

Access to the FOS is available for complainants coming within one of the following categories at the time we receive their complaint:

  • Consumers (private individuals acting for purposes which are wholly or mainly outside that individual's trade, business, craft, or profession)
  • Businesses employing fewer than 10 persons and with a turnover or annual balance sheet total not exceeding €2 million
  • Charities with an annual income of under £1 million
  • Trustees of a trust with a net asset value of under £1 million

We are covered by the Financial Services Compensation Scheme (FSCS) for our insurance mediation activities. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. If you are eligible to claim from the FSCS, compensation is available in relation to insurance advising and arranging as follows:

  • 90% of the claim, without any upper limit;
  • 100% of the claim without any upper limit for compulsory classes of insurance (such as Third-Party Motor or Employers Liability); and ‘pure protection’ contracts, professional indemnity insurance, and general insurance claims arising from the death or incapacity of the policyholder owing to injury, sickness or infirmity, all where the insurance intermediary has failed to pay money to an insurer, pay away money it has received from an insurer, or has failed to take steps to allow the insurer to effect the contract of insurance.

Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 (freephone) or 020 7741 4100 or http://www.fscs.org.uk. Consumer credit is not cover by the Financial Services Compensation Scheme (FSCS).

Treating you fairly

We aim to treat you fairly. We consider carefully the products we offer and we select or design them with you in mind. We work hard to make sure you are not misled and that the information we provide is clear and understandable. Our complaints process is fair and accessible and we aim to put things right if we’ve made a mistake. We want you to be confident and comfortable in doing business with us.

Updated: 24th April 2018 [v2/2018]