Terms of Business
This Terms of Business agreement sets out the terms on which JRW Group
Services Ltd agrees to act. It also identifies your own responsibilities both to
us and to insurers and it sets out our regulatory and statutory obligations.
Please contact us immediately if there is anything in these Terms of Business
that you disagree with or do not understand.
“We”, “us” or “our” means JRW Group Services Ltd (JRW) trading as Golf
Care. “You” and “your” means the individual person who is a policyholder or
JRW Group Services Ltd (JRW) of The Royals, Altrincham Road,
Manchester, M22 4BJ is authorised and regulated by the Financial Conduct
Authority for Insurance Mediation Only. Our Firms Registration Number is
313411. We are permitted to deal as an agent of insurers and clients with
respect to non- investment insurance policies. You can check these details
online using the Financial Services Register (accessible from
www.fca.org.uk) or by contacting the Financial Conduct Authority Helpline
on +44 (0)800 111 6768. You will not receive advice or a recommendation
from us as part of our service however we may ask some questions to
narrow down the selection of products on which we will provide details. You
will need to make your own choice about how to proceed. By asking us to
quote for and arrange insurance, you are providing your informed agreement
to these Terms of Business.
YOUR DUTY OF DISCLOSURE
Consumers: You must take reasonable care not to make a misrepresentation
to the insurer. This means that all the answers you give and statements you
make as part of your insurance application, including at renewal and when an
amendment to your policy is required, should be honest and accurate. If you
deliberately or carelessly misinform the insurers, this could mean that part of
or all of a claim may not be paid.
Commercial customers: Non-consumer customers: If the insurance is arranged wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance knows or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search.
Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.
PURCHASES MADE ON BEHALF OF A THIRD PARTY
If you are purchasing a policy on behalf of another person or a group or
team, it is your responsibility to ensure that the duty of disclosure is met
for each of the persons for whom cover is being purchased. It is also your
obligation to ensure that each person on whose behalf insurance has been
purchased is aware of the full details of the cover. We are unable to accept
responsibility for loss should a claim be rejected due to the non-disclosure of
a third party insured.
DEALING WITH OTHER PEOPLE
To comply with data protection legislation, the request of many of our
policyholders and to make the managing of your policy more convenient, it is
our procedure to deal only with the person named on the policy. If you would
like someone else to be able to deal with your policy for you on a regular
basis, you must put this in writing to us.
You and anyone on whose behalf you purchase our insurance must be a
resident of the United Kingdom.
Policy information will be issued in a timely manner. Your policy
documentation comprises of an Insurance Schedule and Insurance Booklet
that will confirm the basis of cover, give details of the insurer, provide a
policy summary, Demands and Needs statement and Keyfacts illustration.
We reserve the right to hold back schedules and certificates until all
payments due have been made.
IMPORTANT If you have provided an email address on application, your
policy documents will be sent to you via email within 24 hours of the policy
being created. If the email has not been received or cannot be located within
your spam folder after this time period, it is your responsibility to contact us
immediately for this to be resent.
If no email address has been provided on application or you have specifically
requested for policy documents to be sent via the post, these should
be received within 14 days from when the policy was created. It is your
responsibility to contact us immediately should policy documents not be
received so they can be reissued.
If you do not instruct us that you have not received your documents within
14 days of policy creation, then we will assume that all documents have been
received within the timeframes stated and that you agree to the policy Terms
CHECKING YOUR POLICY DOCUMENTS
When you receive your documents, please ensure that you read your
insurance policy carefully, in particular the Period of Insurance, and that the
cover chosen is adequate for your needs. Failure to comply with the Terms
and Conditions of the policy may result in cover
being restricted or possibly invalid. Please contact us if you have any
questions with regard to your policy. You are advised that the Full Terms and
Conditions of our policies should be consulted prior to your completing your
policy purchase and if you have any questions
you should make sure these are answered to your satisfaction. If you have
not previously received a copy or read online the Insurance Booklet detailing
the full policy Terms and Conditions before you take out your insurance, you
will be provided a copy with your Insurance Schedule.
HOW TO CANCEL
If you are not entirely satisfied with your policy, you have 14 days from
receipt of your policy documents to cancel your policy and a full refund will
be made. You must send a signed letter of cancellation via post or fax, or
send an email. This must be prior to the Event Date.
If any gifts or promotional vouchers have been provided with your policy, a
refund will only be completed if these are returned with a signed letter of
cancellation. If printable vouchers have been provided these must have not
This does not affect your statutory rights.
CANCELLATION OF EVENT
If the Insured Event is cancelled up to and including 14 days from receipt
of documents, your premium will be refunded in full subject to written
confirmation from the host Golf Club secretary that the Insured Event has
If the Insured Event is cancelled after 14 days from receipt of documents,
no refund of any part of the premium can be made. We will however transfer
cover to a future Event so long as this Event takes place within 6 months
from date of issue of documents
and to the same conditions. This is subject to written confirmation from the
host Golf Club secretary that the Insured Event has been cancelled. Details
of the revised Event must be provided to Us prior to its commencement. We
reserve the right to withdraw or alter our terms if appropriate.
PROTECTING YOUR INFORMATION
All personal information about you will be treated as private and confidential
(even when you are no longer a customer), except where the disclosure is
made at your request or with your consent in relation to administering your
insurance or where we are required by law.
Some or all of the information you supply to us in connection with your
insurance proposal may be passed to insurance and other companies for
underwriting, claims and premium collection purposes. Your data will be held
in accordance with the Data Protection Act 1998, under which you have
a right of access to see personal information about you that is held in our
records, whether electronically or manually. If you have any queries, please
write to the Data Protection Officer at our address (section “About Us”).
We will not make your details available to other parties for marketing
purposes, but we and other companies also owned by The JRW Group Ltd,
may contact you to keep you informed of our latest products and services.
We use Industry standard encryption technologies when transferring and
receiving customer data exchanged with our website.
HOW TO MAKE A CLAIM
Your Insurance Booklet includes a claims procedure, which tells you what
steps you should take if you wish to make a claim. You must notify the
Claims Department of a claim or circumstance which may give rise to a claim
as soon as possible. You will be provided with every assistance in submitting
a claim and seeking reimbursement.
PROTECTING YOUR MONEY
Prior to your premium being forwarded to the insurer, and for your
protection, we hold your money as an agent of the insurer in which case your
policy is treated as being paid for.
Premiums for Insurance are payable and due at the time of application. You
may make payment by cheque and credit card (all major credit/debit cards
except American Express are accepted). The insurance purchase will not be
concluded until payment has been received unless otherwise agreed. Failure
to make a payment by the agreed date will result in cancellation of the policy.
Credit/Debit Card – full payment must be received at least 7 days prior to
the Event Date.
Cheque – must be received at our registered office at least 14 days prior to
the Event Date. Should acknowledgment of receipt by Golf Care not have
been made to you prior to the Event Date, then you must contact Us to
ensure payment has been received and your Insurance has been incepted.
The Total Premium shown on the schedule includes Insurance Premium Tax
(IPT) and administration charges which are negotiated under a separate
contract. We make an administration charge per policy to cover the costs of
policy arrangement and administration, any promotional products/services,
our marketing costs and our regulatory fees and levies. This separate
administration charge may vary according to the policy period, policy type,
and other variable costs but will not exceed 33% of the total premium paid.
If you have a complaint, please address it to: Complaints Department,
Golf Care, The Royals, Altrincham Road, Manchester M22 4BJ or Email:
It may be that you have access to the Financial Ombudsman Service if you
are still not satisfied with our response to your complaint. For further
information on your eligibility please visit: www.financial-ombudsman.org.
uk or contact us. All referrals to the Financial Ombudsman must take place
within 6 months of the date of your last correspondence with Golf Care in
relation to the complaint. To refer a complaint to the Financial Ombudsman
Service then either call +44 (0)300 123 9 123 or visit
download a complaints form.
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. Insurance advising and arranging is covered for 90% of the claim,
without any upper limit. For compulsory classes of insurance, insurance
advising and arranging is covered for 100% of the claim, also without any
upper limit. Further information about compensation scheme arrangements
is available from the FSCS on +44 (0)800 678 1100 or +44 (0) 020 7741
4100 or by visiting www.fscs.org.uk