PremierPMI Terms and Conditions
PremierPMI: Helping You Make Informed Decisions about Our Services
Our Services
At PremierPMI, we offer a comprehensive selection of general insurance products from a top-tier panel of insurers. This carefully curated panel ensures that we can provide you with a personalized and impartial analysis of the market. We continually review and update the insurers on our panel to ensure that you receive the most relevant options. If you would like to know more about the insurers on our panel, please feel free to request a list.
Our Service Approach
As an insurance intermediary, we act as your trusted advisor. Our primary focus is understanding your specific needs and recommending a product that aligns perfectly with those needs. We work on your behalf, not the insurers, ensuring that your best interests are always at the forefront of our recommendations.
Transparent Pricing
At PremierPMI, we do not charge any fees for our services. Instead, we receive a commission directly from the insurer, which is a percentage of the total annual premium. This approach allows us to provide you with valuable advice and support without any additional financial burden.
PremierPMI operates under the trading style of Premier Insurance Services Limited (“PIS”) and is authorized and regulated by the Financial Conduct Authority (FCA). PIS FCA registration number is 305009, and we are authorized to arrange transactions in general insurance. For further information, you can visit the Financial Services Register at www.fca.org.uk or contact the FCA directly at 0800 111 6786.
Ensuring Accuracy and Disclosure
We emphasize the importance of reviewing the information provided to ensure its accuracy and completeness. It is crucial to disclose all material information relevant to your application. Failure to disclose such information may lead to the insurer rejecting any subsequent claim. If you receive incorrect or incomplete information or if any changes are required, please notify PIS immediately.
Registration of Business Documents
For your convenience, we provide copies of contract notes and any other transaction evidence upon request. You are welcome to inspect your records during our business hours, with reasonable notice. We retain records for seven years from the date of the last insurance contract.
Professional Indemnity Insurance (PII)
In compliance with FCA requirements, we maintain Professional Indemnity Insurance (PII) to protect you in the event of any negligence on our part.
Handling of Client Money
We do not handle client money. We recommend that policyholders make direct payments to the insurers for their policies.
Managing Conflicts of Interest
While we offer independent advice, situations may arise where we or our other customers have interests that could conflict with your own. If such a conflict arises, we will promptly inform you and seek your consent before proceeding with your instructions.
Providing Instructions and Terminating the Business Relationship
You can provide instructions relating to any form of business or terminate our relationship with PIS at any time. Written communication ensures clarity and avoids confusion, but we also accept oral instructions, which we will confirm in writing. Termination of our business relationship can be initiated.
How We Use Your Information
At PremierPMI, we value the privacy and protection of your personal and financial information. The information you provide will be used to assist your adviser in offering you the best advice as required by the Financial Services and Markets Act 2000. We handle your personal data in accordance with our privacy policy, which is provided along with this document.
Your Rights in Respect of Our Use of Your Information
You have various rights regarding your information. These include the right to access your information through a data subject access request, the right to correct inaccurate information, the right to have your information erased (to be forgotten), the right to object to or restrict our processing of your information, and the right to information portability. For detailed information on how to exercise these rights, please refer to our full privacy policy.
You also have the right to withdraw any consent you have given us to use your information. However, if we have other legal grounds to process your information, we may still do so.
Making a Complaint
If you wish to register a complaint, please contact us:
In writing:
Compliance Officer, PremierPMI, 1 Toley Avenue, Wembley, HA9 9TB
By Phone:
02045250884
By Email:
contact@premierpmi.co.uk
If you are unable to resolve your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Terms and Conditions
This page and any linked pages explain the terms of use for our website. By using this website, you agree to these terms.
Jurisdiction
This site is intended for use only by individuals who can access it from within the UK.
Governing Law
This site is governed by the laws of the UK. Any disputes or actions arising from this site shall be determined in accordance with UK laws.
Contact
If you believe any information on this site is inaccurate, have suggestions for improving the site’s content, or have questions about our products or services, please contact us.
Changes
We periodically update the content of this notice. To ensure your information is up to date, please visit this page regularly and refresh your browser.
Customer Responsibility
You are responsible for ensuring that your computer is protected against viruses.
PremierPMI
PremierPMI accepts no responsibility for any loss you may incur from accessing or downloading information from this site.
Accuracy and Validity of Information
While we make reasonable efforts to provide accurate and up-to-date information, we do not accept liability for any errors or omissions. If you have doubts about the validity of information on this site, we recommend verifying it by contacting us.
Availability
While we strive to keep this website and our quotation portal accessible at all times, we will not be held liable if these services are unavailable for any period. We may temporarily suspend access to these services for routine or emergency updates and maintenance, but we will minimize any disruption. Additionally, we cannot guarantee that our services will be free of viruses or defects, and we are not responsible for any technical issues you may experience while using our services.
Third-Party Websites
This website may contain links to third-party websites. The operation and content of those websites are the sole responsibility of the organization controlling the third-party website. Such websites are governed by separate terms and conditions. The inclusion of any link does not imply endorsement of the linked site. We assume no responsibility or liability for the contents of any linked website.
Last updated: 27 Apr 2023
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