TERMS OF BUSINESS OF ADVANCED INSURANCE CENTRES LIMITED
The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Please use this information to decide if our services are right for you.

OUR SERVICES
Whose products do we offer? We are an independent intermediary dealing with a range of Insurers. We are authorised and regulated by the Financial Services Authority and offer both commercial and personal insurances which are non investment contracts. Ask us for a list of Insurers we offer insurance from.
Which service will we provide you with? We will advise and make a recommendation for you after we have assessed your "demands and needs". Our service also includes: arranging your insurance to meet your requirements; and helping you with any ongoing changes you have to make.
Introductions. We have a select group of companies, all regulated and fully compliant in their registered fields, who we can introduce you to in areas where we do not offer a service, be it for domestic or commercial products. It must be accepted that we will not advise on any of the products these companies recommend, nor complete any forms on your behalf. We will only introduce you if you have indicated you would like us to make the contact on your behalf. You will be, should you wish to purchase any product offered by these companies, a client of those companies and subject to their respective terms of business.We may receive a commission from these companies for any introduction.

INFORMATION DISCLOSURE:
It is your duty to disclose all circumstances material to the insurance being requested. Any failure to disclose facts material to the insurance, or any inaccuracies in answers, could invalidate your insurance cover, and could mean that part or all of a claim may not be paid.

DATA PROTECTION:
For the purpose of the Data Protection Act 1998, the Data Controller in relation to the personal data you supply is Advanced Insurance Centres Limited. Information you provide about yourself and others will be used for insurance administration, including renewals. If you require credit to purchase insurance, we may pass information about you to a credit provider who may check it with a credit agency. By continuing with payment for your insurance you have authorised consent for the personal data which you have provided about yourself and others to be used in this way. We will not disclose any information to any other parties without your written consent.

PROTECTION OF YOUR MONEY:
Money paid for insurance premiums or charges relating to the policies, will be held by us inANon Statutory Clients Trust Account until transferred to the respective insurance company.

OUR CHARGES:
In addition to premiums and separate charges levied by the Insurer,Advanced Insurance Centres Limited trading as Trident Insurance will make the following charges to cover administration costs for these specified activities:
For New Business, Renewals and Rebroking: A search fee up to a maximum of £350 may be levied. The basis of which will be established subject to the complexity of the cover required and the time spent in negotiations with underwriters, Mid Term Adjustments up to £100, Mid Term Cancellation = £40, Credit Check = £5, Dishonoured Cheque = £30, Where payment is made by credit card = 2% of total amount payable. Legal expenses and claims management £22.50, Breakdown Cover is purchased at £41.90 and sold at £58.95.
For Net Rated Products where the quote offered to us, as an intermediary is net, we will levy a flat 12.5% commission.
Late Payment: Where payment has not been made by midnight on the due date there will be a £20 charge.

NON PAYMENT OF PREMIUMS:
If any cheque, card or credit agreement payment is dishonoured or if a Client refuses to pay any outstanding monies. We will first try to take full or part settlement via any credit/debit card from the details held on our/your files. If no alternative method of payment is agreed, then cover will be cancelled immediately after a 7 day notice warning. No refund of monies will be returned, as the deposit covers the Insurers minimum "Time on Risk" charges ( explained in the policy documents ) our own fees for the initial placement of business and our general handling and administration costs -see paragraphs above and below. Upon failure to recover the full or part settlement due, we will give 7 days notice of our intention to pass the case to our debt recovery agency. Our Administration charge will be £20 per £100 outstanding excluding our normal administration charges. Clients must be aware that all charges and fees generated by the debt recovery agencys actions, will become the Clients liability to pay within any future settlement.

CANCELLATIONS:
Before deciding to cancel any policy you are advised to call us to seek our advice. The policy can be cancelled at any time throughout its duration, but you must confirm your telephone call to us in writing. Should you decide not to proceed within 14 days of receiving your documents, you must contact us immediately. All documents must be returned to us promptly as refunds can not be issued until we are in receipt of these documents. Your Insurer may make a charge as indicated in your policy documents for the period prior to cancellation. In addition we will charge a Cancellation fee of 8% of the total annual cost, together with our charge, subject to time spent, to effect a new policy, and/or renewal fee. This will not be refundable. Any other related policies, such as Legal Protection and Breakdown Cover will be cancelled with the main policy, and will only be refunded if the policy is cancelled within 14 days of receipt of the documents. Should a claim occur during the period of cover then full premiums and charges may become payable. Please note: Refunds of less than £15 will not be issued. Any requests for cancellation should be sent to Trident Cancellations, Advanced House, 374-376 High Road, Ilford, Essex, IG1 1QP. Please also note:- Once we have instructions to issue cover, any commission we receive from Insurers is earned and is not refundable following the cancellation of the policy.

WHO REGULATES US:
Advanced Insurance Centres Limited, trading as Trident Insurance, Advanced House, 374-376 High Road, Ilford, Essex, IG1 1QP is authorised and regulated by the Financial Services Authority. Our FSA Register number is 306128. Our permitted business is: Non investment insurance contracts. You can check this on the FSAs Register, by visiting the FSAs website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

ADVANCED INSURANCE CENTRES LIMITED COMPLAINTS PROCEDURE:
It is our intention to provide you with a high level of customer service at all times. If you should wish to make a complaint about our service, advice or administration, we have a formal complaints procedure. In the first instance you should contact us either in writing to: Trident Complaints, Advanced Insurance Centres Limited, Advanced House, 374-376 High Road, Ilford Essex, IG1 1QP or by phone 0870 062 2062. Please address your complaint to the Managing Director. Where we are not able to resolve your complaint by the next business day after receipt of the complaint, we will send a written acknowledgement within 5 business days giving the name of the person handling the complaint.
Within 4 weeks of receiving a complaint we will send you either:
1. A final response: or
2. A holding response, which explains why we are not in a position to resolve the complaint and we will indicate when we will make further contact, which will be no later than 8 weeks from receipt of the complaint.
Our final response will either:
A. Accept your complaint in total or in part, and we will give an explanation and/or redress where appropriate: or
B. Reject your complaint, and we will explain our reasons why. Should you not be satisfied with our final response, you may refer your complaint to the Financial Ombudsman Service. Please note: only private customers, and commercial customers with a turnover of less than £1 million, can refer their complaints to the Financial Ombudsman Service.
Are we covered by the Financial Services Compensation Scheme (FSCS)? Yes, we are covered by the FCSC. You may be entitled to compensation from the scheme if we can not 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, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.
Financial Ombudsman Service, South Quay Plaza, 83 Marsh Wall, London, E14 9SR. Tel: 020 7964 1000, Fax: 020 7964 1001, E-mail: complaint.info@financial-ombudsman.org.uk
Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, 1 Portsoken Street, London E1 8BN. Tel: 020 7892 7300, Fax: 020 7892 7301, E-mail: enquiries@fscs.org.uk
Advanced Insurance Centres Limited trading as Trident Insurance, Advanced House, 374-376 High Road, Ilford, Essex, IG1 1QP. Tel: 0870 062 2062, Fax: 020 8911 1444.

Please note, all telephone conversations are recorded for both your security and that of Advanced Insurance Centres.