is a must. Hand holding from quotation through policy and to claim settlement is a pre requisite. These statements barely cover the service standards we provide to our clientele. Every client is special & treated equally irrespective of cover or premium paid.
Finally and not to be underestimated, our Salon policy provides automatic 'work away' coverage. What do we actually mean by 'work away'?
Let's look at a standard shop insurance policy, this being the product range used to insure Hair & Beauty Salons. The Public Liability section notes that work away activities are restricted to collection and delivery, thus typical scenarios for your average retail shop. This is where the fine line is blurred, clients invariably are not insurance savvy to completely understand insurance terminology and the answer in the main when posed 'do you work away?' is greeted by a negative without any thought of the everyday or ad hoc business activity.
Terms of Business
Mission Statement
We take pride in providing a personal service to our clients. We are totally committed to quality service and establishing long-term relationships, with all our clients. Because of complexities and concern over policy coverage, we at Just Hair provide a plain English view of Insurance and where possible eradicate 'Insurance speak' or jargon.
Our remit is to provide:
Just Hair is a trading style of ACM Broking Ltd.
"Whenever we have had to make a claim, the documentation and procedure is always processed quickly, meaning we can get on with running the day-to-day business, knowing that our insurance issues are being taken care of by the experts".
Gary Crowder provides expert comment on Insurance misconceptions in the Hair Council's Magazine
a) "We/us/our" means Just Hair Insurance (a trading style of ACM Broking Ltd) of Building Research Establishment, Bucknalls Lane, Watford, Herts, WD25 9XX.
Just Hair Insurance is authorised and regulated by the FCA. Our FCA Register number is 300686 Our permitted business is Independent Insurance Intermediary. You can check this on the FCA's Register by visiting the FCA's website www.fsa.gov.uk/register or by contacting the FCA on 0800 111 6768.
We are an Independent Insurance Intermediary and offer productsfrom a range of leading Insurers. Our service includes advisingand making recommendations for you after we have assessed your needs. We can also issue policies on behalf of certain Insurers.We act on your behalf in arranging your insurance.
Commission/ Charges
We receive commission from insurers for the arrangement or renewal of an insurance contract; commercial clients can request the level of commission received. We reserve the right to make charges in addition to any insurance premiums, for the arranging, amending, renewal, and cancellation of any policy of Insurance. The specific charge and purpose of any additional charges will always be advised to you in advance. Only Payments processed in £GBP (Great British Pound) are accepted.
If you wish to register a complaint please contact us in writing addressed to Mr Stuart Anderson, Managing Director, ACM Broking Ltd, address as above, or by telephone on 01923 894360. Your complaint will be acknowledged within 5 working days. Should the matter require lengthy investigation you will receive awritten response within 20 days and a final response within 40 days. If you are not satisfied with the outcome you may be entitled to refer it to the Financial Ombudsman Service. The Insurer also maintains a complaint procedure, details of which are contained in the policy.
It is your responsibility to provide complete and accurate information to the 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 statement of facts, 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. Please do consult us if you are in any doubt.
Documents: Automatically generated/ issued upon confirmation of premium payment with email link
Unless otherwise agreed Quotations will be valid for a period of thirty (30) days from the date provided.
We are covered by the FSCS. 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. For compulsory classes ofinsurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements are available from FSCS.
A customer has the right to cancel a policy, in writing, within 14 days of receipt of the policy documents or contractual terms and conditions, and sent to Just Hair Insurance by first class post, fax or e-mail. The Insurer will refund any monies already paid no later than 30 days after the date on which it received the cancellation notification, less any reasonable fee for services/cover provided.
It is your responsibility to ensure that your sums insured are accurate and correct. Under the terms of your insurance policy, insurers are able to reduce or even refuse to meet a claim payment where it is discovered that sums insured declared to them are inadequate. Similarly, insurers may also be able to avoid policies where declarations submitted are inaccurate. We are unable to accept any liability arising from the inadequacy of your sums insured or as a result of any financial information that you have provided.
Our insurance solutions will naturally fit in with your business activities and let you carry on doing what you do best, being creative!
