Saxon Insurance provides specialist insurance for students in the UK.
Who are we?
We are a leading provider of specialist student insurance products. Our policies are specifically designed to cater for the wide ranging and varied needs of students in the UK.
Saxon Insurance is a trading style of UK & Ireland Insurance Services (Online) Limited, which is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 312248.
You can check this on the FCA's Register by visiting the FCA's website http://www.fca.org.uk/register/ or by contacting the FCA by telephone on 0800 111 6768.
Why choose Saxon?
Specialist Student Insurance: our products are designed exclusively for students.
Trusted & Recommended by Universities: several leading universities choose our Saxon Campus Block Halls policy to insure all of their residents.
Secure Online Purchase: The security of your personal and financial details is of paramount importance to us and as such, we use the strongest available security systems to protect your personal information.
Full Refund Guarantee: If having examined your policy you decide not to proceed with the insurance, you will have 14 days to cancel it; starting on the day you receive the policy documentation.
Terms of Business
Please read this document carefully as it sets out the terms on which we agree to act for our clients and contains important regulatory and statutory information.
Definitions— Saxon insurance is a trading style of UK & Ireland Insurance Services (Online) Limited.
In these terms and conditions, “We/us/our” refer to:
UK & Ireland Insurance Services (Online) Limited, The Stables, Old Co—Op yard, Warwick Street, Manchester, M25 3HB.
We act as an Independent Insurance Intermediary and we are authorised and regulated by the Financial Conduct Authority. Our FCA registration no. is 312248. You can check this on the FCA’s register by visiting their website www.fca.org.uk/register or by contacting the FCA on 0845 606 1234.
If you wish to make a complaint, please contact the Complaints Manager at the above address, or our office on 0844 576 8362. If we cannot settle the complaint satisfactorily, you may be entitled to refer your complaint to the Financial Ombudsman Service. Details of how will be provided to you in these circumstances.
Financial Services Compensation Scheme (FSCS) —
We are covered by the FSCS. 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. Full details and further information on the scheme are available from the FSCS
Scope of Capacity and Services —
We act as Independent Insurance Intermediary on behalf of our Clients and are subject to the Law of Agency which imposes duties on us. We are acting as your agent when we are:
Advising and arranging your insurance cover with insurers to meet your requirements.
Helping you with any ongoing changes you make.
Placing insurance on your behalf.
A list of insurers is available on request. We will advise and make a recommendation for you after we have assessed your needs. This will include the type of cover you seek together with the costs. We will endeavour to conduct a fair analysis of the market place when dealing with your insurance, in the event of us only using one carrier for a particular product, you will be advised at the time of negotiation.
Use of other intermediaries —
Where we consider it to be appropriate and for your benefit, it may be necessary for us to request another broker or intermediary to act as our agent and assist in the placement of your insurance product. In such cases, we will provide specific instructions to such sub—agents so as to meet your insurance requirements.
You will receive information about any fees we receive relating to the product you are being offered. Our remuneration will either be a fee as agreed with you or commission which is a percentage of the premium paid by you, or a combination of both where appropriate. This will include commission, fees, over—rider agreements, profit share arrangements and any volume business deals that your policy may contribute towards. Brokerage/fees are for the policy period and we will retain all brokerage/fees in relation to policies we’ve placed.
We are committed to ensuring complete transparency of our remuneration and we will, at your request, fully disclose our remuneration
Admin Charges –
In addition to premium charged by Insurers we also normally make the following charges to cover administration costs and for other services provided. These charges will be advised to you where they apply.
Arranging New Polices £5.00
Mid-term adjustments £5.00
Mid-term cancellation £10.00
Replacement / Duplicate Certificates £5.00
Credit Card Payments £3.00
Postage of Policy Documents £3.00
MID Disclaimer —
If your policy requires you to populate & update the Motor Insurance Database, it is entirely your responsibility to ensure this is done even if you request us or your Insurer to do this on your behalf. We are unable to accept responsibility if you fail in your obligations to ensure the MID is correct as per current legislation.
Health & Safety —
We cannot be held responsible for any client who fails to comply with current Health & Safety (or other relevant) legislation
Payment of Premiums —
We normally accept payment by guaranteed cheque or certain credit or debit cards & you should enquire which are available. You may be able to spread your payment through insurers’ instalment facilities or a finance arrangement. We will give you full information about your payment options when we discuss your insurance.