WHAT IS THIS DOCUMENT? This document is important, please use the information contained in it to decide if our services are right for you. Bennett Fozzard is an independent insurance broker WHICH INSURANCE COMPANIES DO WE DEAL WITH? We only use the services of David Oliver Associates. Online travel insurance is underwritten by St Paul travelers Lloyds Syndicate 5000. WHICH SERVICE WILL WE PROVIDE YOU WITH? You will not receive advice or recommendations from us. You will be asked some questions by the system to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. WHAT WILL YOU HAVE TO PAY US? There is no charge for using the system or accepting a quotation and going on cover We do charge for certain services as detailed below. These fees are in addition to any premium charged by the insurer: ) Duplicate policy documents and/or certificates of insurance £15 ) Cover notes issued for mid term amendments £15 ) Duplicate cover notes £20 ) Returned cheques £15 ) Mid term cancellation of a policy £20 We will dispatch all documentation FIRST CLASS FRANKED MAIL. All mail will be deemed delivered once it has been posted and no responsibility will be accepted for mail that is lost or is delayed in the post for whatever reason. In the event of mail being returned after duplicates have been issued and a charge made a refund will only be issued if the reason is found to be due to an error on the part of Bennett Fozzard WHO ARE WE REGULATED BY? Bennett Fozzard 179 Ashley Road, Hale, Altrincham, WA15 9SD is authorised and regulated by the Financial Services Authority 25 The North Colonnade, Canary Wharf, London E14 5HS OWNERSHIP Bennett Fozzard is wholly owned by the partners: Michael R Bennett Anthony Marcus Bennett Neil William Cannon WHAT TO DO IF YOU HAVE A COMPLAINT If you wish to register a complaint, please contact Mr. M R Bennett by any method shown in our “CONTACT US” page. If the complaint cannot be resolved then you may be entitled to refer it to the Insurance Ombudsman Service.

I have read and accept your terms of business

I do not accept your terms of business