How to Make a Complaint

The Appointed Agents (J D Concepts Ltd) and the Underwriters (IGI Insurance Company Ltd) are committed to dealing with customer complaints in a fair and prompt way.  Complaints can be made verbally or in writing.

If You have a complaint, You can contact Us or the Underwriters. We or the Underwriters will contact You within five days of receiving Your complaint to tell You what action is being taken. We or the Underwriters will try to resolve the problem and give You an answer within four weeks. If it will take longer than four weeks then You will be told when You can expect an answer.

It is Our experience that most complaints can be resolved by speaking to the staff directly responsible for Your claim. Please call Us on 0123456 or write to The Compliance Executive, J D Concepts Ltd, 70 Eastbourne Road, Southport, PR8 4DU

The Underwriters can be contacted by writing to The Managing Director IGI Insurance Company Ltd, Market Square House, St James’s Street, Nottingham   NG1 6FG. Tel no 0115 941 1022.

If We or the Underwriters have not given You an answer within eight weeks, You will be told how You can take Your complaint to the Financial Ombudsman Service for review.

If after making a complaint, You are still unhappy, as the complaint has not been resolved to Your satisfaction, You have the right to refer the complaint to the Financial Ombudsman Service. The contact information is: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800. E-mail: enquiries@financial-ombudsman.org.uk

This complaints procedure does not affect any legal rights You may have.

Governing Law and Language

This insurance shall be subject to English Law, unless specifically agreed to the contrary. All communication is to be conducted in English.

Whole Agreement

This Policy contains the entire agreement between the Policyholder and any Insured Person claiming under it and the Underwriters and Us on their behalf. No other representation or warranty by the Insured Person or Us or their Authorised Representatives or any third party shall have any contractual effect unless agreed by both parties in writing.

The Financial Service Compensation Scheme (FCSC) covers J D Concepts Ltd and IGI Insurance Company Ltd. You may be entitled to compensation from the scheme should either firm be unable to meet their obligations. This depends on the type of business and the circumstances of the Claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claims costs. You can get more information about the compensation scheme arrangements from the FSCS. The contact information is: The FSCS, 7^th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN. Telephone: 020 7892 7300. E-mail: enquiries@FSCS.org.uk