Terms of Service

Four Leaf Cover Limited trading address is 43 Berkeley Square,  London, W1J 5AP. Our Company House number is 12712909. Four leaf Cover Limited. is directly authorised by the Financial Conduct Authority (FCA Number 939387). www.fca.org.uk 08001116768. The terms of service contain our regulatory and statutory responsibilities, by using our website, the Terms of service becomes effective on the same date of first use. The terms of service will remain unless otherwise provided with a revised term.  

Governing Law

This agreement shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the (none) exclusive jurisdiction of the English Courts.

Our Service

Four leaf Cover Limited is an insurance intermediary that acts on behalf of their clients to bring about and arranging life protection products with insurers by (A) Carrying out a fact find so we can better understand your current circumstance (B) Providing you with advice on your insurance needs and making a personal recommendation. 

Disclosure

It is your responsibility to provide complete and accurate information to us and Insurers when you take out an insurance policy, throughout the life of the policy and when you renew, vary or amend your insurance.  Failure to do so, or any inaccuracies in information given, could result in your insurance being invalid or cover not operating fully. If a form is completed on your behalf, you should check that the answers shown to all questions are true and accurate before signing the document. You are advised to keep copies of any correspondence you send to us or direct to your Insurer.

Confidentiality & Data Protection

We take protecting our customers data very seriously and abide by the rules of the General Data Protection Regulation (GDPR) & information commission office (ICO). Please refer to our Privacy policy for information on how we hold and process your data.

Complaints

We endeavour to provide exceptional service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint please contact us by writing to: Complaints Department, Four Leaf Cover Limited, 43 Berkeley square, London, W1J 5AP. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk

Cancellation Rights and Charges

You have a legal right to cancel your policy for any reason, subject to no claims having occurred, within 30 days (Life or Private Medical Insurance) of receiving the full terms and conditions (please refer to the policy document for cancellation period). You will always be advised where this right applies. To cancel, please contact the insurer in writing within the timing deadlines.

Quotations

All quotations are subject to change in respect of the amount of premium indicated and/or the Terms and Conditions that are applied.

Policy Terms, Conditions & Warranties

You should read through all policy terms, conditions and warranties shown on your policy documentation.  Please ensure you understand them and can follow their requirements exactly. If not, please inform us immediately as a breach of any Terms, Conditions or Warranties may enable your Insurers to terminate your policy from the date of that breach and/or repudiate a claim under your policy.

How we are paid

We do not charge a fee for our services as we are paid commission from the Insurer which is a percentage of the total premium.