Terms of Business

Who Regulates Us

One Sure Insurance Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA register number is 447730. Our permitted business is advising, arranging, dealing as agent and assisting in the administration, performance of general insurance contracts and credit broking. We also trade as Spitfire Insurance, Insure & Support, Insurance4Motor Trade, Staveley Head, Unicom Insurance Services and Compare HGV. You can check on the FCA's register by visiting the FCA's website www.fca.gov.uk/register.

Our Service

The capacity in which we act for you

We act as an insurance intermediary, not an insurer. We will usually act on your behalf when arranging your insurances, when helping you make any changes to your policy, when you renew your insurance and in the event of a claim.

If there are any circumstances where we act as an agent of the insurer, we will let you know the capacity in which we act before we finalise your insurance arrangements.

Our role is to advise you and, after we have assessed your needs, to provide you with a personal recommendation explaining why the product recommended best meets your requirements. Where we can offer the availability of an instalment facility in order to pay the insurance premium by regular payments, we do not offer advice or make personal recommendations in relation to this but we may ask some questions to narrow down the selection of options available, you will then need to make your own choice about how to proceed.

In situations where we are able to arrange insurance for you but do not offer advice, we will confirm the position in writing, this is usually where you have purchased a policy from us online.

Scope of service including our product range and the range of insurers used

We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. Our duty of care is solely to our customers, who are the only persons able to rely upon, or may be affected by, any advice provided by us. We will not take responsibility for anyone else acting upon advice that has not been provided to them directly from us.

We are not under a contractual obligation, but we only select private car, commercial vehicle, motorcycle, household, travel, public/employers liability, taxi, motor trade, truck, caravan, motorhome, goods in transit and commercial insurance from a limited range of insurers. Please see a full list of insurers we deal with below:

• We offer our Motor Legal Protection package from RAC Legal Services
• We offer our breakdown assistance insurance products from a limited number of providers
• We offer Excess Protection from a limited number of providers
• We offer Household Legal Assistance from Financial & Legal Insurance Company Ltd
• We offer Home Emergency from Astrenska Insurance
• We offer Tools policies from a limited number of providers
• We offer GAP cover from Jackson Lee Underwriting
• We offer Gadget cover from Zenith PLC
• We offer Vehicle Replacement cover from a limited number of providers
• We offer Telematics solutions from Matrix Telematics

• In writing: Complaints Dept, One Sure Insurance Ltd, Spitfire House, 142-154 Congleton Road, Talke, Stoke on Trent, ST7 1LX 
• By Telephone:      01782 880 140
• By E-mail: complaints@onesureinsurance.co.uk

1. A consumer (any natural person who is acting wholly or mainly for purposes which are outside his trade, business, craft or profession).
2. A small business
3. A charity with an annual income of less than £6.5 million
4. A trustee of a trust with a net asset value of less than £5 million
5. A micro enterprise – That employs fewer than 10 people and has a turnover or balance sheet that does not exceed 2 million euros. 
6. A guarantor
7. A CBTL Consumer

• 90% of the claim, without an upper limit
• 100% of the claim, without an upper limit for compulsory classes of insurance such as third party motor, Long term insurance, professional indemnity insurance and general insurance claims arising from the death or incapacity of the policyholder owing to injury, sickness or infirmity, all where the insurance intermediary has failed to pay money to an insurer, pay away money it has received from an insurer, or has failed to take steps to allow the insurer to effect the contract of insurance

• Any commission we receive will be paid by the insurer or product provider from the insurance premium
• Any commission we receive from the premium finance provider will be paid from the finance repayment

• Policy arrangement fee (advised sales): Up to 40% of the insurer's premium or £100 whichever is greater. This is non-refundable in the event of cancellation whether applied at new business or renewal.
• Policy arrangement fee (Non Advised Sales): up to £75.00. This is non-refundable in the event of cancellation.
• Adjustment/policy alteration fee: Up to £50.00
• Green card charge: £15.00
• Cancellation fee: £85.00 (if cancelled outside of the 14-day cooling off period)
• Administration fee on any letters sent by recorded delivery post - £7.50 – this will be automatically deducted from the card details we hold on file for you when we post the letter.  
• If your policy is voided as a result of misrepresentation or fraud, we will retain any commission lost as a result of the voidance, along with an administration fee of £85.00 and the retention of any arrangement fee applied at the point of sale
• Administration fee of any policy treated as 'Not Taken Up' - £25.00 or the retention of our arrangement fee, whichever is greater      Administration fee on any refunds issued - £5.00. Any credit due back to you will not be refunded if the value is less than £15
• Administration fee on all MID updates processed via the telephone (Motor Trade policies only) - £10.00
• Administration fee for any bounced/represented payments - £25.00      
• Administration fee of £10 if you are paying via monthly instalments and fail to provide your bank details within 48 hours of paying your initial deposit – This will be automatically deducted from the card details held on file for you.
• In the event that a discount is applied to your policy and your policy is cancelled, we will reverse this discount, which will result in a debit for the amount of the discount being applied.
• If a telematics box has been purchased as part of the contract of insurance, then this charge will be non-refundable.

• Special or unusual circumstances relating to the risk;
• Any particular concerns which led you to seek insurance cover for the risk; and
• Anything which those concerned with the class of insurance and field of activity in question would generally understand as being something that would be dealt with in a fair presentation of risks for this type of insurance

• In writing: Data Privacy Representative, One Sure Insurance Ltd, Spitfire House, 142-154 Congleton Road, Talke, Stoke on Trent, ST7 1LX
• By Telephone: 01782 880 140
• By E-mail: info@onesureinsurance.co.uk