Horse insurance specialist company

Let the horse specialists look after you

Welcome to Stoneways Insurance, the horse insurance specialists; working to give you the best cover for the lowest costs. Should something unfortunate happen to your horse, help reduce the worry through having our insurance cover. Find Out More

Cheaper online! Find out how to reduce your premium

As riders ourselves, we understand the costs of keeping a horse. So to help you keep costs down pay by direct debit and find out how much lower your annual payments are. Find Out More

60 second quote with instant cover

You never know when something could happen, so get covered today! “I am emailing to thank you and your team for the help over the last few weeks… This was the 1st time in the past 12 years of owning horses that I had to make a claim, and your staff and company were very helpful and straight forward.” Find Out More

Stoneways Insurance Services Ltd. — Click for Terms of Business

Definitions

a)"We/us"Stoneways Insurance Services Ltd., Muscott House, 6 Meadrow, Godalming, Surrey GU7 3HL
Tel: 01483 426966

b) "FCA" The Financial Conduct Authority (FCA)
25 The North Colonnade
Canary Wharf
London
E14 5HS
United Kingdom

Registered as a Limited Company in England and Wales No.1920623.
Registered Office as above

Switchboard: 020 7066 1000
Web Site: www.fca.org.uk

Status

We are an Independent Intermediary that acts largely on behalf of Insurers under various binding authorities. These binding authorities allow us to issue policies and settle certain claims on behalf of the insurers. On classes of business where we do not have binding authorities we will act as an intermediary on your behalf arranging your insurance cover with insurers to meet your requirements.

Regulation

We are regulated by the FCA and we conform to their code of practice; our membership number is 304019.

Confidentiality

Unless required by law, public interest, virtue of our membership of FCA or you give your consent, all information you supply will be kept confidential to us and parties involved in the normal course of arranging and administering your insurance. Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records and we are entitled to ask you to pay for this.

Negotiation and Placing

When applicable we will place your business under binding authorities that we hold which enable business to be handled promptly and efficiently at terms unique to these authorities. The limits and cover on your policy reflect the information that you have supplied to us. Our Summary of Cover explains the terms and conditions of these policies. You must check that these meet with your requirements.

On business where we do not hold binding authorities we will discuss your insurance requirements and will conduct negotiations with insurers with whom we hold agencies.

We will assess the financial soundness of proposed insurers using industry recognised rating guides however we will not guarantee or otherwise warrant the solvency of any insurer.

Claims If you have occasion to claim on your policy you must notify us immediately and we will, if appropriate, issue you with a claim form and pass details to your insurer. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimise the loss, until you have agreement from your insurer.

Complaints

It is always our intention to provide a first class service. However, should you have cause for complaint regarding the sale or administration of your policy you should in the first instance contact Stoneways, either orally or in writing. If your complaint cannot be satisfactorily dealt with immediately then it will be acknowledged within 5 business days advising you what we are doing. We will try to sort out the problem and give you an answer with 4 weeks. If it takes longer than 4 weeks we will tell you when you can expect an answer. If we have not given you an answer in 8 weeks we will tell you how you can take your complaint to the Financial Ombudsman Service (FOS). The address is: The Financial Ombudsman Service, South Quay Plaza II, 183 Marsh Wall, London E14 9SR

Notice

Insurers pass information to the Claims and Underwriting Exchange run by Insurance Database Services Ltd and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers. The aim is to check information provided and also prevent fraudulent claims.

Remuneration

Our remuneration is based on a percentage of the insurance premium paid by you before the addition of Insurance Premium Tax (IPT). Additionally there are various policy charges made which are not subject to IPT.

It is standard under the binding authorities that we administer for us to charge a £5 policy charge when payment is by cheque or credit card. When payment is by direct debit the standard charge is £2 per installment.

Premium amendments and cancellations are subject to £5 policy charges.

Payment terms are strictly within 14 days of inception, unless by Direct Debit.

Certain binding authorities have a remuneration aspect based on the profitability of the overall contract to insurers.

Financial Services Compensation Scheme (FSCS)

If an insurer is unable to meet its liabilities under the insurance, you may be entitled to compensation from the FSCS.

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