The Kennel Club Breeder Plan is a trading style of Agria Pet Insurance Limited which is an insurance intermediary authorised and regulated by the FSA. Our FSA number is 310996. You can check this information on the FSA's register by visiting the FSA's website http://www.fsa.gov.uk/Pages/register/ or by contacting the FSA on 0845 606 1234.
We do not provide advice or a personal recommendation as to whether this policy is suitable for your specific needs.
Pet Insurance policies are arranged and administered by Agria Pet Insurance Limited and underwritten by Agria International Forsakring AB and Groupama Insurance Company Limited.
Ownership
Agria International Forsakring AB owns 100% of our share capital.
Client Money (as an agent of an insurer)
We act as agents for the Insurer for the collection of premiums and payment of claims and refunds of premiums. This means that premiums are treated as being received by the Insurer when received in our bank account and that any claims or premium refund is treated as received by you when it is actually paid over to you.
What to do if you need to complain
Please phone our Customer Service Department on 01296 319223 or write to the Customer Service Manager. Should you remain dissatisfied with our response, you may approach the insurer. If we are unable to resolve your complaint you may be able to refer it to the Financial Ombudsman Service. Full details of our complaint procedure are given in our Policy Booklet, a copy of which is available on request. Following the complaints procedure does not affect your right to take legal action.
Cancellation
Within the first 14 days: You may cancel the policy by writing to us and receive a full refund of the premium paid, providing a claim has not been made. If a claim has been made then the full annual premium is payable. After 14 days: You may cancel the policy at any other time by writing to us and receive a proportionate premium refund of any balance due, providing a claim has not been made.
Financial Services Compensation Scheme (FSCS)
Agria International Forsakring AB and Groupama Insurance Company Limited are covered by the FSCS, which is triggered when an authorised firm goes out of business. In this unlikely event you may be entitled to compensation from the scheme:
- Compulsory insurance is covered in full
- Non-compulsory insurance is protected for 90% of the claim
- Full details are available at www.fscs.org.uk
Disclosure
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy and when you renew your insurance. It is important that you ensure that all statements are full and accurate. Please note that if you fail to disclose any material information or change of circumstances to your insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid.
Data Protection Act Information Uses
For the purposes of the Data Protection Act 1998, The Data Controllers in relation to any personal data you supply are Agria Pet Insurance Limited; Agria International Forsakring AB and Groupama Insurance Company Limited.
Insurance Administration
Information you supply may be used for the purposes of insurance administration by the insurer, its associated companies and agents, by reinsurers and your intermediary. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer's compliance with any rules/codes. Your information may also be used for offering renewal, research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. In assessing any claims made, the insurer or its agents may undertake checks against publicly available information (such as electoral role, county court judgements, bankruptcy orders or repossessions). Information may also be shared with other insurers either directly or via those acting for the insurer (such as loss adjusters or investigators). With limited exceptions, and on payment of the appropriate fee, you have the right to access and if necessary rectify information held about you.
Sensitive Data
In order to assess the terms of the insurance contract or administer claims that arise, the insurer may need to collect data that the Data Protection Act defines as sensitive (such as medical history or criminal convictions). By proceeding with this application you will signify your consent to such information being processed by the insurer or its agents.
Fraud Prevention and Detection
In order to prevent and detect fraud we may at any time, share information about you with other organisations and public bodies including the Police. You should show these notices to anyone who has an interest in the insurance under this policy.
Renewal
If you pay your premium by instalments your policy will automatically renew on an annual basis for your convenience. This will be confirmed by us sending to you your renewal documents detailing the premium payable and the terms and conditions applicable for the renewed policy. If you do not wish your policy to renew, you should write to us and cancel your direct debit or continuous credit card mandate.
Managing Your Policy
At the request of many of our customers and to make managing your insurance more convenient, it is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy. If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call us to let us know.
Law applicable to this policy
You and we are free to choose the law applicable to this policy. You will be governed by the law of England and Wales unless you and the insurer have agreed otherwise.
Telephone Recording
For our joint protection telephone calls may be recorded and/or monitored.
Demands and Needs Statement
We do not provide advice or a personal recommendation as to whether this policy is suitable for your specific needs but this product meets the demands and needs of those who wish to ensure that their pet is covered.
The Direct Debit Guarantee
- This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme.
- The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society.
- If the amounts to be paid or the payment dates change the Kennel Club Breeder Plan will notify you 10 working days in advance of your account being debited or as otherwise agreed.
- If an error is made by the Kennel Club Breeder Plan or your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid.
- You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send a copy of your letter to us.