Your Local Council Insurance Renewal

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Insurance House 125/129 Vaughan Way Leicester LE1 4SB Mrs K Yates Brimfield & Little Hereford Parish Council The Old Forge House Burford Tenbury Wells Worcestershire WR15 8HF Dear Mrs Yates 17 April 2015
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Insurance House 125/129 Vaughan Way Leicester LE1 4SB Mrs K Yates Brimfield & Little Hereford Parish Council The Old Forge House Burford Tenbury Wells Worcestershire WR15 8HF Dear Mrs Yates 17 April 2015 Your Local Council Insurance Renewal Premium: including Insurance Premium Tax at 6% Renewal Date: 01 June 2015 Policyholder: Brimfield & Little Hereford Parish Council Arrange Your Council Insurance for 3 Years and Save 5% You have the option to save an additional 5% on the above premium (excluding terrorism) by agreeing to enter into a three-year Long Term Agreement. Doing so also gives you the benefit of ensuring that your policy will renew for the next two years on the same rates as those used for this quotation. Should you choose to enter into the Long Term Agreement, you are making a commitment to maintain this insurance policy until point of renewal in If you subsequently withdraw, you will need to repay all related discounts applied to your policy premiums regardless of the point at which you withdraw from the agreement. This Long Term Agreement relates solely to this product and cannot be transferred to another policy or insurer. This is in addition to any other insurer charges and fees that may apply. If you wish to take advantage of a Long Term Agreement with Aon, your policy premium would be , inclusive of Insurance Premium Tax. Please refer to the enclosed Long Term Agreement Document for full information. This will need to be signed and returned for the discount to be applied. Improvements to Your Policy Maven Local Council Renewal Invitation Aon UK Limited Registered Office : 8 Devonshire Square, London, EC2M 4PL. Registered in England & Wales No VAT Registration No Aon UK Limited is authorised and regulated by the Financial Conduct Authority Telephone calls maybe monitored or recorded We ve listened to the feedback from the Councils we insure, and have made significant improvements to your policy. For the first time, your Local Council insurance scheme will be underwritten by Maven Underwriting (Maven), who is the only provider we have approached. The attached Policy Changes document gives you details of all of the ways in which your policy has changed, with key improvements as follows; Set covers that protect against the key risks faced by Councils, including legal liabilities, money, theft by employees, accidental wrongdoing by council officials and libel and slander Legal Expenses at a standard limit of 250,000, reflecting the rising costs of legal advice Officials Indemnity at a standard limit of 500,000 Personal Accident cover with a capital benefit amount of 100,000, and a weekly benefit of 200 Cover for the council s property to set limits, so there s no need to contact us and pay extra premiums every time the council s assets change Access to a dedicated service team, and a broker working in partnership with the National Association of Local Councils to truly understand the needs of councils The renewal premium quoted above is based on information you have previously provided to us and is based on there having been no changes to your material information in the last 12 months. This information is detailed within the attached Local Council Schedule. Your renewal premium is also subject to there being no claims reported or changes in material information, which may cause the insurer to reassess their ratings and terms. If you are aware of any changes to material information, please contact us direct as this may change the terms and conditions of your policy. Quality Council If you are a Quality Council, you are entitled to a 5% discount in addition to any discounts already applied to your policy. Simply call our Local Councils team on and confirm your Quality Council status, or sign and return the Quality Council declaration on your Long Term Agreement Document and we will be more than happy to provide an amended renewal quotation Enclosures We have enclosed the following documents for you: Local Councils policy Summary of significant changes (TD /15) Long Term Agreement Important Information about your Policy Local Council Statement of Fact Local Council Policy Schedule Telephone calls may be recorded or monitored Maven Local Council Renewal Invitation Local Council Policy Wording (SBV1/ ) Special Events Guidelines Fact Sheet and Risk Management Guidance Client Terms of Business Agreement (TOBA/Ent(ARR)/v10/0413) Client Information Form Decision Document We would ask that you please read all enclosed documentation carefully. If you have any queries regarding any of these documents, please don t hesitate to contact the Local Councils team, who will be happy to address any questions you may have. What To Do Next If you want to go ahead, there are no proposal forms to complete. All you need to do is read through the enclosed documents carefully to ensure the cover details accurately reflect your requirements and simply make your payment by one of the following methods:- Debit or Credit Card Call us on with your card details and we can take your payment securely over the phone. BACS Payment You can make a payment direct to our account by instructing your bank or via online Banking, make payment to: Payee Aon UK Limited Branch Natwest City of London Account No Sort Code Reference BRIMFIELD Please call or us to confirm payment. Finance You can spread the cost of your insurance premiums and pay one regular monthly payment by direct debit. Please note that Aon is a credit broker and not a lender, we will not provide you with any advice regarding finance and we will only approach Close Premium Finance, 21st Floor Tolworth Tower, Surbiton, Surrey, KT6 7EL. Aon UK Limited is remunerated for arranging credit and if you would like to find out more, please ask us. Total due (Premium, IPT and Aon Administration Fee) Monthly Instalments of Finance Charged Total Amount Payable (Including Interest) Telephone calls may be recorded or monitored Maven Local Council Renewal Invitation The above table shows the premium which would be financed by Close Premium Finance, at a charge of 7.25% (Typical 13.9% APR variable). If you wish to pay by direct debit please call us on Thank you for being a valued Aon customer. Yours sincerely Aon Local Councils Team Enterprise Aon UK Limited Office: Telephone calls may be recorded or monitored Maven Local Council Renewal Invitation Insurance House 125/129 Vaughan Way Leicester LE1 4SB Important Information About Your Policy Our Services Enterprise, part of Aon UK Limited, acts as your agent for the sourcing, placing of risk and claims administration. In addition, we have limited delegated authority on behalf of Maven to accept your instructions. We have approached the market on the basis of a single provider. For the contract being arranged we have only approached Maven Underwriters, also part of Aon UK Limited, who act as a Managing General Agent, on behalf of Aviva and Allianz. In respect of the Legal Expense cover Maven have only approached Aviva. In addition to commission earned by us, Maven is remunerated for the work undertaken on behalf of the insurers and this includes profit or contingent commissions. Aon UK Limited is committed to transparent dealings with our clients. If you would like further information about the remuneration we receive for any of your insurance arrangements, please ask your Aon contact who will be happy to assist. We will make administrative charges in certain circumstances, in respect of document handling relating to your insurance. These charges will be applied as follows: for the cancellation of any policy (other than at the policy renewal date) in respect of any request for duplicate documentation These charges are in addition to any charge imposed by the insurance company Information about Local Council Insurance This product meets the demands and needs of Local Councils who wish to have one combined solution to meet their business insurance needs, including but not limited to cover for Public, Products and Employer s Liability, Legal Expenses, Loss of Money, Fidelity Guarantee, Officials Indemnity, Libel and Slander and if selected, Property Damage, Personal Accident, Business Interruption a Loss of No Claims Discount & Application of Excess Protection. Please refer to your policy wording and policy schedule for details of your selected cover and any conditions, limitations, exclusions, and warranties which apply. The insurers operate within the jurisdiction of English Law and are UK based. How to Make a Claim Maven Local Council Renewal Invitation Aon UK Limited Registered Office : 8 Devonshire Square, London, EC2M 4PL. Registered in England & Wales No VAT Registration No Aon UK Limited is authorised and regulated by the Financial Conduct Authority Telephone calls maybe monitored or recorded Should you need to make a claim for any aspect of your cover, the claims reporting telephone number is Marketing You may be contacted from time to time by telephone, , SMS or post about new products and services available from Aon UK Limited or Aon Group Members. We may also, if we believe this will be of interest to you, make your details available to selected third parties who will contact you via the above methods about other products and services. We will never sell your data. If you do not wish to be contacted, please contact us. Telephone calls may be recorded or monitored Maven Local Council Renewal Invitation Renewal Advice Note Policyholder: Brimfield & Little Hereford Parish Council Policy number: LC/M/ Client code: BRIMFIELD Renewal date: 01 June 2015 Premium: IPT: Total Premium Due Your cheque must be made payable to Aon UK Limited and forwarded to us before the renewal date to ensure that your cover is continued. =========================================================== Renewal Remittance Slip Policyholder: Brimfield & Little Hereford Parish Council Policy number: LC/M/ Client code: BRIMFIELD Renewal date: 01 June 2015 Premium: IPT: Total Premium Due: Your cheque must be made payable to Aon UK Limited in order to renew the above policy. Signed. Date PLEASE FORWARD ALL PAYMENTS TO: - Aon UK Limited Eastwood House Glebe Road Chelmsford Essex CM1 1QW Request for additional information:- In order that we may proceed with your renewal request, please can you provide us with the following information (where blank). You can either notify us by phone or by returning this form. Policy Ref LC/M/ ERN/PAYE Reference Number:.... Business description: Local Council Do you have any offices or assets in territories outside the UK? (If yes please list): No Please list all owners of the company: Not required for this type of business Please list all Key Directors within the company: Not required for this type of business If you have any queries regarding the above, please don t hesitate to contact us. Local Councils Statement of Fact IMPORTANT - This Statement of Fact provides a record of the information notified to us and facts assumed about you, your business and councillors and clerks. You must check all the information and material facts contained in the Statement of Fact and the Schedule and contact Aon UK Limited on immediately if any details are incorrect or incomplete. You should keep this statement of fact for your records Your Duty to Disclose Material Information Material information is information that would influence an insurer in deciding whether a risk is acceptable and if so, the premium, terms and conditions to be applied If you are in doubt whether a fact is material, you should disclose it. Your duties before inception of cover Your duties after inception of cover Instructions regarding changes to cover All material information must be disclosed to insurers to enable terms to be negotiated and cover arranged. This is not limited to answering specific questions that may be asked by us or by the insurer. If you become aware that material information that you have supplied prior to the placement of your insurance contract was incorrect you should tell us immediately. The duty of disclosure is re-imposed when there are changes or variations in cover and when the insurance contract is renewed or extended. In addition, changes that substantially increase the risk, or relate to compliance with a warranty or condition in the insurance contract must be notified at once. Alterations to covers or increases in sums insured etc., will not be effective until insurers have accepted the change and you should not assume that they have done so until you have received confirmation to that effect from Aon. To avoid delay, we therefore suggest that, for urgent instructions, you contact us by telephone. Please contact us immediately if you are in any doubt as to whether or not information might be material or if you have any concerns that we might not be aware of all material information. Claims Experience All claims, incidents or losses during the past three years in respect of any of the risks to be insured must have been reported to the previous scheme underwriter, Allianz Insurance Plc. Declaration To the best of your knowledge no Councillor or Clerk has - been subject to any County Court Judgements - had any insurer decline, cancel or refuse to renew insurance - been convicted/charged/cautioned in respect of any criminal offence - ever been prosecuted for failure to comply with any Health and Safety or Welfare or Environmental Protection legislation - been declared bankrupt or disqualified from being a company director or involved in any company that went into receivership, liquidation or administration Your Property All property insured including outbuildings will be maintained in a good state of repair Where Subsidence is covered all properties are free from any sign of damage caused by subsidence, ground heave or landslip, and have no history of such damage You do and will continue to maintain machinery and equipment in a good state of repair. Fidelity Guarantee You do and will continue to; - delete employees password access or make it invalid immediately when any employee leaves your employment - make Aon UK Ltd aware of any additional wording included in your last external audit report Health and Safety You comply with all appropriate Health and Safety legislation, and follow the guidelines and advice of the Health & Safety Executive. Special Events and Activities Where you undertake any of the following activities, you comply with the guidelines outlined in the Special Events & Activities Guidelines sheet issued to you; - Firework Displays, Bonfires and Beacons - Christmas Trees and Lights - Bouncy Castles and Inflatables - Shooting and Archery - Fetes and Galas - Playgrounds - Boating Ponds and Lakes You confirm that you are not carrying out any activity or event not catered for in the Maven Local Council Special Events and Activities Guidelines and you will ensure that you will follow the guidelines accordingly Local Councils Renewal Schedule This product is underwritten by Maven Underwriters (Maven) a Managing General agent operating under a delegated underwriting and claims authority on behalf of Insurers (referred to as 'the insurers'). Maven Underwriters is a trading name of Aon UK Limited which is authorised and regulated by the Financial Conduct Authority. Your Details Name of Council Brimfield & Little Hereford Parish Council Policy Number LC/M/ Correspondence Address The Old Forge House Burford Tenbury Wells Worcestershire WR15 8HF Business Local Council Date of Schedule 17 April 2015 The County Association of Local Council you are affiliated to Shropshire Population of Council Area 740 Territorial Limits Worldwide Period of Insurance Period of Insurance From 01 June 2015 To 01 June 2016 Renewal Date 01 June 2016 Premium Details Annual Premium (excluding Terrorism) Insurance Premium Tax Total Amount Due Terrorism Premium Insurance Premium Tax 1.22 Total Terrorism Amount Due Overall Annual Premium Overall Insurance Premium Tax Overall Amount Due Your Cover Summary Section Cover Operative Limit of Indemnity Property Damage Covered As per Schedule Money Covered As per Schedule Business Interruption Covered 20, Employers Liability Covered 10,000,000 Public and Products Liability Covered 10,000,000 Fidelity Guarantee Covered 250,000 No Claims Discount and Application of Excess Protection Not Covered Libel and Slander Covered 250, Officials Indemnity Covered 500, Personal Accident Covered 100,000 Legal Expenses Covered 250,000.00 Insurers Insurers: Aviva Insurance Limited Aviva Insurance Limited. Registered in Scotland No Registered Office Pitheavlis Perth Scotland PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Aviva Insurance Limited Aviva Insurance Limited. Registered in Scotland No Registered Office Pitheavlis Perth Scotland PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Allianz Insurance plc. Registered in England number Registered office. 57 Ladymead, Guildford, Surrey, GU1 1DB Allianz Insurance plc is a member of the Association of British Insurers. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number Subscription: 100% (Legal Expenses only) Subscription: 60% (All other sections) Subscription: 40% (All other sections) The liability of each of the insurers is limited to the percentage shown against their name. Excess and Sub Limits Applicable to all Sections where stated. Excess From the amount of all claims in respect of one Occurrence, which shall be adjusted in accordance with the terms Exclusions and Conditions of this Policy, the Insurer will deduct the amount of the Excess stated. Insurance Limits (and Sub-limits) are inclusive of Excesses. Only one Excess will apply in respect of any one Occurrence. In the event that more than one Excess applies, then only the higher Excess will apply. Sub Limits Sub-limits form part of the Limit of Liability and, unless otherwise stated, do not apply in addition to it. All Limits of Liability apply any one Occurrence. Limits are inclusive of the Excess unless otherwise stated. If more than one Sub-limit applies to the same loss, the Insurer s liability will be limited to the lesser Sub-limit Part A - Property Damage and Business Interruption Section 1 - Property Damage Property Insured Buildings None Declared Value Sum Insured Contents 12, , Other Property Insured away from the Premises Street Furniture 30, , Gates and Fences 12, , Playground Equipment 50, , CCTV Equipment Not Insured Not Insured War Memorials 30, , Ground Surfaces 2, , Mowers and Machinery 5, , Sports Equipment 10, , Regalia Not Insured Not Insured Terrorism Insured Section Excess 125 Excess in respect of all Subsidence claims 1,000 Excess in respect of all Terrorism claims Nil Territorial Limits Great Britain, Northern Ireland, the Channel Islands and the Isle of Man Property Damage Extensions Sub-Limits Decontamination and Clean Up Expense 25,000 Deterioration of Freezer Stock 1,000 Fire Brigade Charges and Extinguishing Expenses 25,000 Inadvertent Omission to Insure 250,000 Involuntary Betterment 25,000 Landscaping Costs 25,000 Locks 5,000 Metered Utility Charges 25,000 Mitigation of Environmental Impact Mitigation of Loss 10,000 Motor Vehicles 10,000 Pair and Set/Consequential Reduction in Value 10,000 Resilient Repairs Extra Costs 10,000 Third Party Sites 10,000 Trace and Access 25,000 Unauthorised Use of Metered Utilities 10,000 Sub-Limit of Indemnity 10% of the Building Sum Insured or 50,000, whichever is less Section 1A - Money Money Insured Crossed cheques and other non-negotiable Money 250,000 In Transit or in the Insured s premises during business hours, 2,500 or in a bank
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