T L Risk Solutions Ltd

Park Row House
19-20 Park Row
West Yorkshire


Phone: 01572 759200
E-Mail: david@whiteboxuk.com
Web: http://www.tlrisksolutions.com

Managing and prioritising risks can be a challenging and daunting task, and many of the available insurance solutions are often too broad to fully encompass all your business needs.

At TL Risk Solutions, we believe that every business has its own unique risk profile and work in partnership with our clients to identify and prioritise their own specific risks. We have developed a large and diverse portfolio of corporate clients, providing each with one principal point of contact and a dedicated team of consultants, to ensure we build strong relationships and provide unrivalled support and advice.

Our experience spans across a variety of key industry sectors, including construction, engineering, IT, manufacturing and retail - to name just a few. Furthermore, we have access to global insurers and an overseas broker network, which allows us to insure your international risks


WhiteBoxUK (Procurment Manager)
E-Mail: david@whiteboxuk.com
Phone: 01572 759200


T L Risk Solutions Ltd currently has no purchasing offers on the website.

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Terms Of Business

Terms and Conditions of Business - Corporate

1. Definition

In these Terms and Conditions of Business references to “our”, “we” or “us” means TL Risk Solutions Limited.

2. Regulation

We are authorised and regulated by the Financial Services Authority (FSA) and are bound by the FSA’s rules. Our FSA registration number is 307159. You can check this on the FSA’s Register by visiting the FSA’s website: www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. We recommend that you carefully read these Terms and Conditions to decide if our services are right for you.

3. Our service

We will:

a. Advise and make a recommendation for you after we have assessed your needs.

b. Arrange cover in accordance with your requirements and following our recommendations to you.

c. Arrange changes to those insurances as required by you.

d. Keep you fully informed of the progress of our negotiations and identify any inability to fulfil the proposed programme or to achieve the required changes

e. Offer you all reasonable assistance with any claim you need to make.

f. Make every endeavour to use insurers who are financially sound. However, we do not act as an insurer nor do we guarantee or otherwise warrant the solvency of any insurer.

g. For most types of insurance, offer products from a range of insurers. However for some types of insurance we deal predominantly with a single or limited number of insurers. Where applicable we will give you details of these arrangements before you make a commitment. A list of the insurers used in these cases is available on request.

4. Your responsibilities

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the period of the policy and when you renew it.

It is important that you ensure that all statements you make on proposal forms, claims forms and other documents are full and accurate.

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 your claim may not be paid. This applies not only at the inception or renewal of your policy, but at all times whilst it is in force. If you are uncertain as to whether information is material or not please contact us for guidance.

You should review your policy documentation and ensure that the cover, conditions, limits and terms match your requirements. Particular attention should be paid to policy conditions and warranties. Failure to comply with these could invalidate your policy.

You must settle all premiums and other charges by the date advised to you.

5. If you need to make a complaint
Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service.
If you have any questions or concerns about your policy or the handling of a claim you should, in the first instance, contact the office you normally deal with.

If you should have any complaint about the advice or service you receive, please write to: Stuart Nichols, Director, TL Risk Solutions Limited, Park Row House, 19-20 Park Row, Leeds, LS1 5JF. Telephone 0113 224 5378, Fax 0113 224 5399, e mail stuart.nichols@tlrisksolutions.com.

Should you not be satisfied with our final response you may be entitled to refer the matter to the Financial Ombudsman Service, who can be contacted on: 0845 080 1800 www.financial-ombudsman.org.uk.

6. Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. 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. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation arrangements is available from the Financial Services Compensation Scheme.

7. Charges

Our remuneration will either be as a commission, which is a percentage of the insurance premium paid by you to insurers, or as a fee which will be agreed with you in advance or a combination of the two.
Where we charge a fee for our services (typically when you buy or renew a policy) you will always be informed of any such charge before you purchase a policy.

Our fees are non-refundable even if you cancel your policy. During the term of the policy we may charge up to £25 for issuing duplicate documents and up to £50 for changes to your policy. All fees are exclusive of any applicable tax that may be levied from time to time.

8. Information on our charges

For each insurance contract, including any subsequent renewal, you have a right to request information regarding any remuneration that we may have received as a result of placing your insurance business.

9. Payment Terms

Where premiums are payable to us, in the absence of any alternative terms which we agree with you in writing (such as payment by instalments which we can arrange for you), our payment terms are as follows:

• new policies – full payment of premium and fees on or before the inception date of the policy;
• mid-term adjustments to existing policies – full payment of any additional premium and fees on or before the effective date of the change;
• renewals – full payment of premium and fees prior to the renewal date.

We normally accept payment by cheque, instalments or BACS transfer.

We will not pay premiums to insurers or product providers until we receive the premium from you.

In the event that you fail to pay any premium and/or fees when due, your insurer may cancel your policy from the inception/renewal date and reject any claims there under.

The acceptance by us of any payment from you (including the encashment of cheques) does not constitute acceptance of any risk by insurers or any commitment by us to arrange insurance cover on your behalf.

Accordingly you should not assume that insurance cover is in place until you have received written confirmation of cover in the form of a cover note, policy certificate or equivalent.

10. How we hold your money

Premium(s) and any other monies we may hold on your behalf (for example refund premiums and claim cheques received from an insurer) will be held in Trust until such time as they are remitted by us to your insurance company/to you.

This is a Non-Statutory Trust account operated in accordance with FSA regulations.

However, some (but not all) of the insurance companies we deal with have agreed to deem any premiums that you pay to us as having been received directly by themselves.

This improves your protection against financial loss in the event of our insolvency. Please note that this is not the case for all the insurance companies we deal with and where this added protection does apply it may only extend to premiums, and not to any claim payment, refund or other monies that we may from time to time hold on your behalf.

Should such an arrangement be agreed with an insurer(s) we may not hold your funds in Trust because of this added protection.

Where we hold money in a non-statutory Trust we may use the funds in that account as a short term credit facility to fund premium refunds to another client before we receive the same from an insurer.

Occasionally as part of the process of finding a policy that suits your requirements, we may pass your premium to another insurance intermediary who will also be required to hold your money in Trust until the premium is deemed to have been received by the relevant insurer.

Between receiving any money from you and us passing it on to insurers (and vice versa), we may remove it from the Trust account in which it is held to another account in order to earn interest or other investment income from it. In such an event the account in which it is placed will be set up with the same Trust protection as the account from which it is removed. We will retain any interest or income accrued.

By accepting these terms you consent to the way we will hold your premium (and/or other insurance related money) in accordance with this paragraph.

11. Cancellation

Cancellation or withdrawal rights may apply depending upon the contract type and whether the contract was concluded following a face-to-face recommendation or exclusively by one or more means of distance communication. An appropriate notice will be issued to you by the insurer together with confirmation of the contract terms entered into.

12. Our right to set off monies you owe us

We shall be entitled (but not obliged) without notice to you to set off any amounts due to us from you against any amounts which we may receive on your behalf (such as claims monies, refunded premiums and other sums).

13. Refunds of Premium

In certain circumstances your insurer may repay part of your insurance premium(s) to us. This can occur where, for example, the risk covered by your policy is reduced or the policy itself is cancelled. Where the amount of the refunded premium is less than £10 (per policy) we will retain such amount, but where a mid-term adjustment or cancellation charge is made (see paragraph 7 above) we will set it off against such charge. This paragraph does not affect any cancellation/refund rights you may have pursuant to paragraph 11 above.

14. Instructions in writing

We normally ask you to give instructions in writing. We may at our discretion accept oral, facsimile or electronic instructions on the condition that written confirmation of any such instruction is provided upon request. We will issue all documentation and communications in English, and will only accept client communications and instructions in English.

15. If you need to make a claim

All claims or circumstances that may give rise to a claim should be notified immediately otherwise insurers may deny your claim.

Details of how to make a claim are contained within your policy document.

If you have not received your policy or where we have agreed to deal with claims on your behalf claims notification should be made to the office with whom you normally deal.

16. Data protection

We will use your information in the provision of general insurance and services associated with general insurance.

We will not sell your details to any third party, but we may pass it to other carefully selected third party organisations in order to assist us in providing you with products and services. We or they may contact you by mail or telephone to let you know about products or services which may be of interest to you. If you do not wish to receive such information please write to Jonathan Kitchen, TL Risk Solutions Limited, Park Row House, 19-20 Park Row, Leeds, LS1 5JF marking the envelope 'Data Protection'.

You have the right to ask for a copy of certain information held by us in our records in return for payment of a small fee. You also have the right to require us to correct any inaccuracies in your information.

17. Third party rights

Unless otherwise agreed between us in writing, no term of this Agreement is enforceable under the Contracts (Rights of Third Parties) Act 1999.

18. Legal jurisdiction

This agreement will be governed by and construed in accordance with the laws of England and Wales and any dispute will be subject to the exclusive jurisdiction of the courts of England and Wales.

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