Website T&Cs

Terms of Business

These are our standard terms of business on which we intend to rely. For your own benefit, please read this document carefully, and if you do not understand any point then please ask us for clarification.

Regulatory status

Morehealth Limited is authorised and regulated by the Financial Conduct Authority (FCA). Firm Reference Number: 815733. You can check this on the FCA register by visiting www.fca.org.uk/register. Our permitted business is advising on, arranging and administering general insurance contracts.

Our Insurance Services

We provide advice and select recommendations from a wide range of insurers and products. We typically act as your agent, for example, when we make a personal recommendation for you. On occasion, we will act as an agent for the insurers, for example, issuing policy documentation.

Charges

We are remunerated by commission from the insurance providers, which is based on a percentage of your annual insurance premium before insurance premium tax. You are entitled to ask us to disclose the amount of commission that we will receive in respect of any policy you take out.

Typically, we will not refund commissions paid if there are premium refunds made by insurers.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. 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. In general terms, insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme www.fscs.org.uk.

Complaints

It is our intention to always provide you with the highest possible level of customer service. If things go wrong and you wish to make a complaint, please get in touch with us. We must follow a prescribed complaints procedure and will acknowledge your complaint promptly. We will investigate and provide our response within regulatory timescales, if we cannot resolve matters immediately.

Contact name: Leanne Moreton

Address: 5 The Quadrant, Coventry, CV1 2EL

Telephone: 0800 028 5540

Should you not be satisfied with our final response, you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS) who is our alternative dispute resolution provider, free of charge, within six months of the date of our final response letter: The Financial Ombudsman Service, Exchange Tower, London E14 9SR - www.financial-ombudsman.org.uk.

Conflicts of Interest

If we, one of our clients or providers, becomes aware of any potential conflict of interest regarding the business we are transacting for you we will write to you and obtain your consent before we continue to work for you.

Your Duty to Disclose Information

We will base our recommendations on the information you have given to us; it is important that you give us full information in order that we can provide the best advice for your needs and circumstances.

If you are a private individual and enter into a contract of insurance wholly for non-business purposes (a retail customer), you are under a legal duty to take reasonable care not to misrepresent information to insurers. If you misrepresent information deliberately, recklessly or carelessly when you respond to insurer questions, then a claim under the policy may not be paid.

If you are a commercial customer, you have a duty of ‘fair disclosure’ which requires you to disclose anything relevant about which you reasonably should be aware or should have inquired about. Please ask us for further information if you are unclear about what needs to be disclosed or what is meant by ‘fair disclosure’.

The disclosure requirements apply throughout the life of the policy and when you renew your insurance.

Payment Terms

We do not handle client money or insurance premiums. All premium payments must be made directly to the insurance provider.

Confirmation of cover

Your cover will not be in place until we have received clear instructions from you, including confirmation of any subjectivities, and we have confirmed the cover in writing.

Cancellation

Your policy document will detail your rights to cancel your insurance once you have taken it out. If you are a retail customer, you will be entitled to cancel within at least 14 days of either conclusion of the contract or receiving your policy documentation, whichever occurs later, and receive a full refund, provided no claim has been made.

Otherwise, if you cancel a policy before its renewal date, you may be responsible for paying a charge to meet the cost of cover provided and administration expenses; this means that you may not receive a proportionate refund depending upon the terms of the particular policy.

Claims

It is essential to contact insurers before incurring any costs or committing to any consultation or treatment. Your policy summary and policy document will provide you with details on who to contact to make a claim, or you can contact us for advice.

Solvency of Insurers

We cannot guarantee the solvency of any insurer; however, our panel of insurers are all covered by the FSCS compensation scheme. Claims are covered for 90% or, in the case of death, illness or injury, up to 100% of the claim without an upper limit if an insurer cannot meet its liabilities.

Termination

You may instruct us to stop acting for you and we will not impose a penalty. Instructions must be in writing. If we believe that we are unable to continue acting on your behalf, we will provide you with seven days' written notice. No commissions earned in respect of business already conducted will be refundable.

Instructions-corporate customers

We will take instructions from any individual who purports to be authorised by you and we reasonably believe this to be the case. If you wish to restrict the individuals from whom we may take instruction, then you must inform us in writing, and we will act accordingly.

Amendments

From time to time, it may be necessary to amend the terms set out in this document. An up-to-date copy of this document will always be available on request. If the change is something that we consider to be material to you and you are engaged as our client, we will send you a copy by email at least 14 days before the new terms take effect.

Force Majeure

We will not be in breach of this Agreement and will not incur any liability to you for any failure to perform agreed duties owing to any circumstances beyond our reasonable control.

Assignment

We may assign any or all of our rights under any Agreement on giving you not less than seven day’s written notice. You may not assign, subcontract or encumber any right or obligation under any Agreement, in whole or in part, without our prior written consent and at our sole discretion.

Version Date – 1st August 2025