Terms & Conditions

This sets out the terms and conditions upon which we will act on your behalf

Terms & Conditions



This information is issued in accordance with the rules of the Financial Conduct Authority.

1. Definitions

a) We/us means Philip Williams (G Ins) Management Limited, 35 Walton Road, Stockton Heath, Warrington, WA4 6NW. Philip Williams & Co Insurance Management is the trading name of Philip Williams (G Ins) Management Limited.

b) Financial Conduct Authority (FCA) can be contacted by calling 0300 500 0597 or by visiting their website www.fca.org.uk

2. Regulation

We are authorised and regulated by the Financial Conduct Authority and conduct our business according to their Code of Conduct and Rules which regulates sales, advisory and service standards to ensure general insurance customers are treated fairly. Philip Williams (G Ins) Management Limited’s FCA firm registration number is 827663.

3. Status

We act as an Independent Intermediary (Broker) on your behalf. We offer a range of insurance products with a range of insurers. Our service includes; arranging your insurance cover with insurers to meet your requirements and helping you with any subsequent event or alteration to your insurance that we have placed on your behalf. We place insurance with a number of insurers and we will inform you should we have any special arrangements with them or should you have to deal directly with the insurer for ongoing policy administration. We may issue policies and handle claims on behalf of some insurers. For certain types of insurance we represent only one Company and we will inform you should this be the case. We will also inform you should we place your insurance through any other intermediary regulated by the Financial Conduct Authority. You will not receive advice or a recommendation from us. We may ask you some questions 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.

4. Disclosure of Information

It is important that you understand that any information, statements or answers made by you to us, or your insurer, are your responsibility. You must take reasonable care not to make misrepresentations when answering insurer’s questions. If you are careless in answering the insurer’s questions or deliberately make a misrepresentation, this may render the insurance void from inception (the start of the contract) and enable the insurer to repudiate liability (entitle the insurer not to pay your claims). You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect. The requirement for correct information not only applies at commencement and renewal of your policy, but also at any time during the period of insurance.

5. Professional Indemnity

We conform to the Financial Conduct Authority Code in respect of Professional Indemnity Insurance. This type of insurance is mandatory.

6. Awareness of Policy Terms

When a Policy is issued you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased. If you are in doubt over any of the policy terms or conditions, please contact us promptly.

7. Claims

If you have occasion to claim on your policy please follow the procedure as detailed in your policy document. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimise the loss, until you have agreement from your insurer.

8. Renewals

We will write to you at least 21 days prior to the renewal of your policy. At this time we will inform you of policy changes and the premium for the next year’s cover. If you pay by Direct Debit and you wish the insurance to continue, you may choose to do nothing and the policy will be renewed automatically. The payments will continue to be taken from your designated account. If you do not wish this renewal process to apply please contact us on 01925 604421.

9. Complaints

It is always our intention to provide a first class service. However, should you have any cause for complaint you should in the first instance contact The Compliance Officer at Philip Williams (G Ins) Management Limited orally or in writing. Your complaint will be acknowledged within 5 business days advising you who is dealing with the complaint and indicating when you may expect an answer. We will provide a formal written response within 20 business days from receipt of the original complaint. If the complaint cannot be resolved within this timescale we will write with an explanation as to the progress and the likely timescale involved. You will be advised of any further redress available to you, should you believe the matter has not been resolved to your satisfaction. Your insurer also operates a complaint procedure details of which are in your Policy.

10. Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the Scheme if We were unable to meet Our obligations depending on the type of insurance and the circumstances of your claim.

Further information about the scheme is available from the FSCS Website www.fscs.org.uk, by telephone 020 7892 7300, or write to:
Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN.

11. Documents

With your consent we reserve the right to retain certificates or other policy documents at this office until all payments due under the policy have been made. Any agreed facilities for payment of premiums by instalments through us will be the subject of a written agreement, which will include authority to retain certificates of insurance or other policy documents until all payments have been received. By accepting this agreement, you agree that delivery of any certificates of insurance to us shall constitute delivery to yourself in accordance with statute law. Should we withhold any documents we will ensure you receive full details of your insurance cover.

12. Cover

Your failure to correct any misunderstandings as to your requirements in relation to your policy cover will not be actionable in the event of a claim being rejected unless those misunderstandings are brought to our attention within 28 days of receipt of confirming documentation.

13. Notice

Insurers pass information to the Claims and Underwriting Exchange run by Insurance Database Services Ltd and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers. The aim is to check information provided and also prevent fraudulent claims.

14. Quotations and Cancellations

Unless otherwise agreed any quotation given will remain valid for a period of thirty (30) days from the date of issue of the quotation.

You may cancel your insurance for a full refund within a 14 day cooling off period from when you receive your policy documents (30 days for life insurance), provided you have not made or intend to make a claim and also provided you haven’t travelled on a travel insurance. If you choose to cancel a travel insurance policy outside the cooling off period or if you have already travelled in the period of insurance, you will not be entitled to any return of premium.

15. Client Money

We handle client money in either one of the following ways:

  1. we hold it on your behalf separate from our own money with an approved bank, segregated in a client bank account designated as subject to a statutory trust
  2. we hold it as agent of the insurer for the collection of premiums and payment of claims and refund of premiums. Such monies may be co-mingled with other client monies in a client money account.

Any interest earned on client money that is subject to the statutory trust will be retained by us. We act as the trustees of our clients’ monies and must meet certain and regulatory conditions.

16. Payment to Third Parties

We may transfer client money to another person, such as another broker or settlement agent, for the purpose of effecting a transaction on your behalf through that person. We do however still remain responsible to you in respect of your money. This may include brokers and settlement agents outside of the UK. The legal and regulatory regime applying to a broker or settlement agent outside the UK may be different from that of the UK and in the event of a failure of the broker or settlement agent, this money may be treated in a different manner from that, which would apply if the money were held by a broker or settlement agent in the UK. You may notify Us if you do not wish your money to be passed to a person in a particular jurisdiction.

17. Call Charges

Calls to our 0845 numbers cost 7p per minute, plus your phone company’s access charge. Please make sure you are aware of the access charge your phone company will charge you. Philip Williams (G Ins) Management Limited do not receive any income from 0845 numbers. If you wish you can use our 01925 604421 number instead.

18. Vulnerable Customers

We aim to keep our communications with clients clear, fair and not misleading. However, if you would like us to explain anything in more detail or there is something that you do not understand, please contact us and we will be more than happy to help where we can.

19. Note

It is important that you notify us of any change of address, if we are unable to confirm your correct address after using reasonable efforts to do so, then we will cancel your policy as we will not be able to confirm that you still require cover.

Your acceptance of these Terms of Business does not affect your normal legal rights. Information provided by Philip Williams (G Ins) Management Limited does not constitute personal recommendation or advice.


35 Walton Road, Stockton Heath, Warrington, Cheshire WA4 6NW Tel: 01925 604421 Fax: 01925 861351 www.philipwilliams.co.uk