Landlords Legal Expenses and Rent Guarantee Insurance. arranged by Arthur J Gallagher

Transcription

1 Ladlords Legal Expeses ad Ret Guaratee Isurace Persoal Family Replacemet Legal Legal Protectio Vehicle Expeses Policy arraged by Arthur J Gallagher

2 Ladlords Legal Expeses ad Ret Guaratee Isurace This isurace is uderwritte by AmTrust Europe Limited ad admiistered by Arc Legal Assistace Limited. I the evet of a valid claim uder this isurace, We will appoit Our pael solicitors, or their agets, to hadle Your case. You are ot covered for ay other legal represetatives fees uless court proceedigs are issued or a coflict of iterest arises. Where it is ecessary to start court proceedigs or a coflict of iterest arises ad You wat to use a legal represetative of Your ow choice, Advisers Costs payable by Us are limited to o more tha (a) Our Stadard Advisers Costs; or (b) the amout recoverable uder the Civil Procedure Fixed Recoverable Costs regime, whichever is the lower amout. Claims must be reported to Us withi 180 days of the Isured Evet other tha i relatio to Teat Evictio Ret Guaratee where claims must be submitted withi 45 days of the Isured Evet. Notificatio will oly be deemed to have bee made upo receipt by Us of a fully completed claim form accompaied with all requested supportig documetatio. Failure to otify the claim withi this time will ivalidate the isurace. The isurace covers Advisers Costs ad Ret up to the Maximum Amout Payable where:- a) The Isured Evet takes place i the Period of Isurace ad withi the Territorial Limits ad b) The Legal Actio takes place i the Territorial Limits. Importat Coditios If Your claim is covered uder a sectio of this policy ad o exclusios apply the it is vital that You comply with the coditios of this policy i order for Your claim to proceed. The coditios applicable to this sectio are cotaied uder the Geeral Coditios sectio below ad should be read carefully. Two of the mai coditios to this isurace are that: Prospects of Success There must be more tha a 50% chace of wiig the case ad achievig a positive outcome. A positive outcome icludes, but is ot limited to, recoverig the amout of moey at stake, eforcig a judgmet or achievig a outcome which best serves Your iterests. The assessmet of Your claim ad the prospects of its success will be carried out by a idepedet Adviser. If the Adviser determies that there is ot more tha a 50% chace of success the We may declie or discotiue support for Your case. Proportioal Costs A estimate of the Advisers Costs to deal with Your claim must ot be more tha the amout of moey i dispute. The estimate of the Advisers Costs will be provided with the assessmet of Your case ad will be carried out by the idepedet Adviser. If the estimate exceeds the amout i dispute the We may declie or discotiue support for Your case.

3 Duty of Disclosure Cosumer If this policy covers You as a private idividual, urelated to ay trade, busiess or professio, You must take reasoable care to disclose correct iformatio. The extet of the iformatio You are required to disclose will be based o, amog other thigs, the type of isurace, explaatory material ad the clarity ad specificity of the questios You are asked whe You took out this isurace. No-Cosumer If this policy covers Your busiess, trade or professioal iterests, You are resposible for disclosig, i a clear, accessible ad comprehesive way, all iformatio which you should be aware would ifluece the Isurer s decisio to provide isurace to You o the terms agreed. Suspesio of Cover If You breach a coditio of this isurace cotract which is essetial to its performace, this isurace cotract will be suspeded from the time of the breach util the time the breach ca be remedied. The Isurer will have o liability to You for ay loss which occurs, or which is attributable to somethig happeig, durig the period whe this isurace cotract is suspeded.

4 Defiitios Adviser Advisers Costs Our pael solicitor, their agets, or other appropriately qualified perso, firm or compay appoited by Us to act for You. Reasoable legal fees icurred by the Adviser up to the hourly rate show i Our fee scale rulig at the time the Adviser is istructed ad disbursemets essetial to Your case. Legal costs shall be assessed o the stadard basis ad third party s costs shall be covered if awarded agaist You ad paid o the stadard basis of assessmet. Deposit The sum of moey collected from the Teat i accordace with Sectio 213 of the Housig Act 2004 (ad ay amedig legislatio) i respect of a Teacy Agreemet to which it applies ad held by You or Your aget as a idemity for losses icurred by You arisig from the Teat failig to perform his obligatios set out i the Teacy Agreemet. A miimum amout equal to oe moth s Ret must be retaied as the Deposit. Dilapidatios Ivetory Disclosure Breach Excess Guarator Isured Evet A full ad detailed ivetory of Your cotets ad their coditio withi the Isured Property which has bee siged by the Teat. Disclosig false iformatio or failig to disclose relevat iformatio i the process of eterig ito this isurace cotract. The amout that You are required to pay towards ay claim. Ret Guaratee: A amout equal to oe moth s Ret. All other sectios: Nil The idividual or orgaisatio assiged to the Teacy Agreemet that has received a Teat Referece ad provided a fiacial guaratee of the Teat s performace of his obligatios uder the Teacy Agreemet. The icidet or the start of a trasactio or series of icidets which may lead to a claim or claims beig made uder the terms of this isurace. For the purposes of the Maximum Amout Payable, oly oe Isured Evet will be regarded as havig arise from all causes or by actios, icidets or evets which are related by cause or time. Isured Property Isurers Legal Actio Maximum Amout Payable The Isured Property show i the Isurace schedule ad declared to Isurers. AmTrust Europe Limited. The pursuit of civil legal cases for damages or ijuctios ad the defece of crimial prosecutios. The maximum payable i respect of a Isured Evet. Teat Evictio: 50,000 ay oe claim Property Ifrigemet: 50,000 ay oe claim Crimial Prosecutio: 50,000 ay oe claim Ret Guaratee: for 2,500 per moth up to a maximum of 15,000 or up to 6 moths, whichever is equal to the lesser amout

5 Period of Isurace Ret Stadard Advisers Costs Teacy Agreemet The period of isurace show i the isurace schedule. The mothly amout payable by the Teat to You as set out i the Teacy Agreemet. The level of Advisers Costs that would ormally be icurred i usig a specialist pael solicitor or their agets. A Teacy Agreemet betwee You ad the Teat i relatio to the Isured Property which is:- (a) a Assured Shorthold Teacy Agreemet as defied withi the Housig Act 1988 (as ameded) or its equivalet outside of Eglad ad Wales but withi the Territorial Limits, or (b) a Compay Residetial Teacy (Compay Let) created after 28th February 1997 where the Teat is a public limited compay (plc) or limited compay (Ltd) or its equivalet outside of Eglad ad Wales but withi the Territorial Limits ad the Isured Property is let purely for residetial purposes of the Teat s employees ad their family, or (c) a writte commo law residetial Teacy Agreemet created after 28th February 1997 betwee idividuals where the Ret is iexcess of 100,000 per aum or its equivalet outside of Egladad Wales but withi the Territorial Limits, ad which is:- i. Appropriate for the teacy; ad ii. Where relevat, siged ad idepedetly witessed by You, the Teat(s) ad if required as a coditio of the Teat Referece, the Guarator; ad iii. Free from ay ureasoably restrictive coveats The Teacy Agreemet must be for a fixed term of o more tha 12 moths or if loger, must cotai a break clause allowig both parties to termiate the teacy after the first 12 moths. Teacy Period Teat Teat Referece Territorial Limits The period of the teacy uless otice to termiate the teacy was issued by the ladlord or Teat prior to ay breach of the terms of the Teacy Agreemet by the Teat, i which case the Teacy Period will ed at expiry of such otice. The occupier of the Isured Property amed i the Teacy Agreemet as the Teat who has received a Teat Referece. A credit check agaist the Teat ad ay Guarator obtaied from a licesed credit referecig compay showig o Couty Court Judgmets i the past three years ad o outstadig Couty Court Judgmets, together with copies of two forms of idetificatio, oe of which must cotai a photograph, ad a writte employers referece o compay letter headed paper cofirmig their permaet ad curret employmet ad that their gross mothly salary is at least a multiple of 2.5 of the Teat s Ret. If all of the above are ot available or i the case of studet Teats or Teats receivig ay icome or housig related govermet beefit, a full Teat Referece showig a Pass o the Teat ad Guarator must be obtaied from Our approved Teat Referecig Compay. Details of these compaies are available by referrig to the Arc Legal website; The Uited Kigdom.

6 We/Us/Our You / Your Arc Legal Assistace Limited who admiister claims uder this isurace o behalf of the Isurers. The idividual or orgaisatio show i the isurace schedule as the Policyholder ad defied i the Teacy Agreemet as the Ladlord who has paid the premium ad bee declared to Isurers. If You die Your persoal represetatives will be covered to pursue cases covered by this isurace o behalf of You that arose prior to Your death. Cover Teat Evictio What is isured You are covered for Advisers Costs to pursue:- Legal Actio agaist a Teat or Guarator to recover possessio of the Isured Property where the Teat fails to perform his obligatios set out i the Teacy Agreemet relatig to the rightful occupatio of the Isured Property What is ot isured:- Claims Where You fail to provide evidece that You successfully completed a Teat Referece o the Teat (ad Guarator if required) prior to the start of the Teacy Agreemet or where the Teacy Agreemet started more tha 31 days after the Teat Referece Arisig from or coected to Your performace of Your obligatios uder the Teacy Agreemet Arisig from dilapidatios uless the missig or damaged items were cotaied withi a Dilapidatios Ivetory Fallig withi the jurisdictio of the Ret Assessmet Committee, the Lads Tribual or the Leasehold Valuatio Tribual or their equivalet outside of Eglad ad Wales but withi the Territorial Limits Relatig to the paymet or o paymet of service charges as defied withi the Ladlord ad Teat Act 1985 (as ameded) or ay equivalet Act outside of Eglad ad Wales but withi the Territorial Limits Where the evictio of the Teat is dealt with by a otice issued by the Home Office Where the Isured Property is ot solely residetial Where the Teat is ot aged 18 years or over Where You have allowed the Teat ito possessio of the Isured Property before the Teacy Agreemet has bee siged by all parties, a Teat Referece has bee obtaied, the first moth s Ret ad the Deposit have bee received i cash or cleared fuds ad the Dilapidatios Ivetory has bee siged by the Teat Where You have failed to keep full ad up to date retal records or have allowed the Teacy Agreemet to be trasferred to ay other idividual or orgaisatio uless all other terms of the isurace have bee complied with If You or Your aget gave ay false or misleadig iformatio whe You applied for the Teat Referece Where the Teat received a Teat Referece subject to a Guarator ad the Guarator was ot correctly assiged to the Teacy Agreemet Where You are i breach of ay rules, regulatios or Acts of parliamet relatig to the Deposit I relatio to dilapidatios by the Teat to the Isured Property or its cotets where You have a policy of isurace that covers the dilapidatios Relatig to ay occupat of the Isured Property over the age of 18, other tha the Teat Where Advisers Costs have bee icurred as a result of Your failure to follow the advice of the Adviser or arisig from Your failure to take ay actio recommeded by Us or the Adviser to recover

7 possessio of the Isured Property as promptly as possible Property Ifrigemet What is isured Legal Actio for uisace or trespass agaist the perso or orgaisatio ifrigig Your legal rights i relatio to the Isured Property. The uisace or trespass must have commeced at least 180 days after You first purchased this isurace. What is ot isured:- Claims Arisig from a dispute relatig to a Teacy Agreemet or ay other lease or licece to occupy property or lad. Crimial Prosecutio What is isured You are covered for Advisers Costs to defed Crimial Prosecutios brought agaist You i relatio to the Isured Property uder: i. The Gas Safety (Istallatio ad Use) Regulatios 1994 ii. The Furiture ad Furishigs (Fire) (Safety) Amedmets Regulatios 1993 iii. The Electrical Equipmet (Safety) Regulatios 1994 ad later amedig regulatios or their equivalet outside of Eglad ad Wales but withi the Territorial Limits. You must take all reasoable steps to comply with the Regulatios ad keep evidece of compliace. What is ot isured:- Claims Arisig from somethig You have doe, kowig it to be wrogful or igorig that possibility Ret Guaratee This sectio of cover is oly operative if You have paid the appropriate additioal premium ad this has bee declared to Us What is isured You are covered for Ret owed by a Teat uder a Teacy Agreemet i relatio to the Isured Property up to the Maximum Amout Payable, where the Isured Evet occurs durig the Period of Isurace ad You, where appropriate, are pursuig a claim agaist the Teat to evict them from the Isured Property. What is ot isured:- Claims Where ay of the relevat terms ad coditios have ot bee met by You ad/or You do ot have a valid claim uder Teat Evictio Ret is oly payable:- a) For up to 6 moths or b) For the dates show as the term i the Teacy Agreemet, (if the teacy has bee allowed to roll oto a mothly periodic term, up to expiry of ay otice to brig the mothly periodic teacy to a ed) whichever is the lesser ad

8 c) For arrears occurrig durig the Teacy Period, ad d) Whilst the Teat (icludig ay uauthorised occupat) remais i occupatio of the Isured Property ad e) Up to the Maximum Amout Payable Ret Claims Paymets: 1. Ret will be paid mothly i arrears at a rate of 1/30 th for each cotiuous day that it is i arrears. 2. If the Teat is applyig for Housig Beefit ad has provided their housig beefit applicatio referece umber, Ret will ot be paid util the outcome of the Housig Beefit claim is kow. If the Teat s Housig Beefit claim is rejected, Ret will be paid uder the Isurace backdated to the date that You could first claim. There is o cover uder the isurace for ay shortfall betwee the amout paid to the Teat as Housig Beefit ad the Ret. You or Your maagig aget must otify the Beefits Office of their iterest. 3. If the Deposit is more tha the Excess, the cover uder the isurace will pay Ret arrears after deductio of the balace of the Deposit. If the balace of the Deposit is subsequetly required to meet the cost of dilapidatios, this will be paid to You. 4. A miimum of 250 must be i arrears before ay claim paymets are made. Legal Helplie You ca use the helplie service to discuss ay legal problem occurrig withi the Uited Kigdom, the Chael Islads ad the Isle of Ma, ad arisig durig the period of this policy. Specialist lawyers are at had to help You. If You eed a lawyer to act for You ad Your problem is covered uder this isurace, the advice lie will ask You to complete a claim form. If Your problem is ot covered uder this isurace, the advice lie may be able to offer You assistace uder a private fudig arragemet. Simply telephoe ad quote Itasure Residetial Ladlords. To maitai a accurate record Your telephoe call may be recorded. Geeral Exclusios 1. There is o cover:- Where the Isured Evet occurs withi the first 90 days of the Period of Isurace where the Teacy Agreemet commeced before the Period of Isurace uless You had cotiuous previous isurace Where Your act, omissio or delay prejudices Your or the Isurers positio i coectio with the Legal Actio or prologs the legth of the claim Arisig from a dispute betwee You ad Your aget or mortgage leder Where the Isured Evet bega to occur or had occurred before You purchased this isurace Where You should have realised whe purchasig or reewig this isurace that a claim uder this isurace might occur Where You have breached a coditio of this isurace Where Advisers Costs have ot bee agreed i advace or are above those for which We have give Our prior writte approval For ay claim which is ot submitted to Us withi 180 days of the Isured Evet occurrig other tha i relatio to sectios of cover Teat Evictio ad Ret Guaratee where claims must be submitted withi 45 days of the Isured Evet For Advisers Costs icurred i avoidable correspodece or which are recoverable from a court, tribual or other party For damages, iterest, fies or costs awarded i crimial courts Where You have other legal expeses isurace cover For claims made by or agaist Itasure, the Isurers, the Adviser or Us For appeals without the prior writte coset of Us

9 Prior to the issue of court proceedigs or uless a coflict of iterest arises, for the costs of ay legal represetative other tha those of the Adviser Where a estimate of Your Advisers Costs of actig for You is more tha the amout i dispute Where You commit, or are alleged to have committed, a crimial offece, or You are liable to a civil pealty uless this policy expressly covers You i the evet of such offece or pealty. 2. There is o cover for ay claim arisig from:- Works udertake or to be udertake by or uder the order of ay govermet or public or local authority Plaig law The costructio of or structural alteratio to buildigs Defamatio or malicious falsehood Divorce, matrimoial matters or proceedigs icludig acillary relief, paretal resposibility ad cotact, or affiliatio Ay veture for gai or busiess project of Yours other tha i relatio to Your activities as a Ladlord A dispute betwee persos isured uder this policy A applicatio for Judicial Review A ovel poit of law 3. Cotracts (Rights of Third Parties) Act 1999 A perso who is ot a party to this cotract has o right uder the Cotracts (Rights of Third Parties) Act 1999 to eforce ay term of this cotract but this does ot affect ay right or remedy of a third party which exists or is available other tha by virtue of this Act. Coditios 1. Cacellatio You may cacel this isurace at ay time by writig to Your isurace adviser providig 14 days writte otice. If You exercise this right withi 14 days of takig out this isurace, You will receive a refud of premium provided You have ot already made a claim agaist the isurace. We may cacel the isurace by givig 14 days otice i writig to You at the address show o the schedule, or alterative address provided by You. No refud of premium shall be made. This right to cacel will oly be ivoked i exceptioal circumstaces as a result of You behavig iappropriately, for example: a) Where We have a reasoable suspicio of fraud b) You use threateig or abusive behaviour or laguage or itimidatio or bullyig of Our staff or suppliers c) Where it is foud that You, deliberately or recklessly, disclosed false iformatio or failed to disclose importat iformatio 2. Claims a) You must report claims as soo as reasoably possible withi 180 days of the Isured Evet other tha i relatio to sectios of cover Teat Evictio ad Ret Guaratee where claims must be submitted withi 45 days of the Isured Evet, by completig ad submittig the claim form with all relevat iformatio. b) If Ret is overdue the Teat ad ay Guarator must be cotacted withi seve days to establish the reaso for the default. If the Ret is ot paid withi a further seve days the Teat ad ay Guarator must be cotacted agai. If the Teat/Guarator caot be cotacted, ad it is lawful to do so, You or Your aget must serve otice of a requiremet to udertake a ispectio i accordace with Your rights withi the Teacy Agreemet ad visit the Isured Property. You should seek legal advice if You are usure that such a ispectio is lawful. c) You ad Your aget must act promptly to gai vacat possessio of the Isured Property ad recover Ret arrears. d) I the evet of a claim You or Your aget must prepare a detailed schedule of dilapidatios as soo as reasoably possible after the Teat has vacated the Isured Property.

10 e) You ad/or Your aget must atted ay court hearig i relatio to a Isured Evet if requested to do so by Us or the Adviser. Failure to atted will result i all cover uder this isurace beig withdraw with immediate effect ad o further claim paymets beig made. f) We may ivestigate the claim ad take over ad coduct the Legal Actio i Your ame. Subject to Your coset which shall ot be ureasoably withheld We may reach a settlemet of the Legal Actio. g) We, o behalf of Isurers have the right uder subrogatio to pursue Legal Actio agaist the Teat or ay Guarator to recover Ret ad Advisers Costs. h) You must supply at Your ow expese all of the iformatio which We reasoably require to decide whether a claim may be accepted. If court proceedigs are required ad You wish to omiate a alterative Adviser to act for You, You may do so. The Adviser must represet You i accordace with Our stadard coditios of appoitmet available o request. i) The Adviser will:- i. Provide a detailed view of Your prospects of success icludig the prospects of eforcig ay judgmet obtaied. ii. Keep Us fully advised of all developmets ad provide such iformatio as We may require. iii. Keep Us regularly advised of Advisers Costs icurred. iv. Advise Us of ay offers to settle ad paymets i to court. If cotrary to Our advice such offers or paymets are ot accepted there shall be o further cover for Advisers Costs uless We agree i Our absolute discretio to allow the case to proceed. v. Submit bills for assessmet or certificatio by the appropriate body if requested by Us. vi. Attempt recovery of costs from third parties. j) I the evet of a dispute arisig as to Advisers Costs, We may require You to chage Adviser. k) Isurers shall oly be liable for costs for work expressly authorised by Us i writig ad udertake while there are prospects of success. l) You shall supply all iformatio requested by the Adviser ad Us. m) You are liable for ay Advisers Costs if You withdraw from the Legal Actio without Our prior coset. Ay costs already paid by Us will be reimbursed by You. ) Ay moies recovered from the Teat or Guarator will be retaied by Us to pay for ay Advisers Costs or Ret that has bee paid by Isurers uder this isurace. 3. Disputes If a complait caot be dealt with by the Fiacial Ombudsma Service (see How to Make a Claim ), ay dispute betwee You ad Us may, where we both agree, be referred to a arbitrator who will be either a solicitor or a barrister. If the parties caot agree o their choice of arbitrator the Law Society may be asked to make a omiatio. The arbitratio will be bidig ad carried out uder the Arbitratio Act. The costs of the arbitratio will be at the discretio of the arbitrator. 4. Disclosure Breach If You fail to disclose relevat iformatio or You disclose false iformatio i relatio to this policy, We, or the broker, may: a) Cacel the cotract ad keep the premiums if the Disclosure Breach is deliberate or reckless b) Cacel the cotract but retur the premiums proportioately if this cotract would ot have bee etered ito had the Disclosure Breach bee kow c) Amed the terms of the cotract accordigly if the cotract would have bee etered ito o differet terms had the Disclosure Breach bee kow d) Proportioately reduce the amout You are etitled to i the evet of a successful claim if a higher premium would have bee charged had the Disclosure Breach bee kow 5. Fraud I the evet of fraud, We: a) Will ot be liable to pay the fraudulet claim b) May recover ay sums paid to You i respect of the fraudulet claim c) May cacel this policy with effect from the fraudulet act ad keep all premiums paid to Us d) Will o loger be liable to You i ay regard after the fraudulet act. 6. Prospects of Success At ay time We may, but oly whe supported by idepedet legal advice, form the view that You do

11 ot have a more tha 50% chace of wiig the case ad achievig a positive outcome. If so, We may declie support or ay further support. Examples of a positive outcome are: a) Beig able to recover the amout of moey at stake b) Beig able to eforce a judgemet c) Beig able to achieve a outcome which best serves Your iterests 7. Eglish Law This cotract is govered by Eglish Law. 8. Laguage The laguage for cotractual terms ad commuicatio will be Eglish. 9. Chage i law Cover uder this policy is based o laws ad regulatios i force at the time that it was writte. If We believe that ay subsequet chage i law or regulatios results i the scope of cover beig either restricted or broadeed, We reserve the right to accept claims where the chage restricts the cover uder this policy ad reject claims where the chage provides a beefit which did ot previously exist. Customer Services Iformatio How to Make a Claim Claims must be otified to the Claims Lie withi 180 days of the Isured Evet other tha i relatio to sectios of cover Teat Evictio ad Ret Guaratee where claims must be submitted withi 45 days of the Isured Evet. Failure to otify the claim withi this time will ivalidate the isurace cover. This isurace oly covers legal fees icurred by Our pael solicitor or their agets appoited by Us util court proceedigs are issued. If court proceedigs are issued or a coflict of iterest arises, You may omiate aother solicitor to act for You. You ca use the helplie service to discuss ay legal problem occurrig withi the Uited Kigdom, the Chael Islads ad the Isle of Ma, ad arisig durig the period of this policy. I geeral terms, You are required to immediately otify Us of ay potetial claim or circumstaces which may give rise to a claim. If You are i doubt whether a matter costitutes a otifiable claim or circumstace, You should cotact the legal advice lie for assistace. Claims Lie You should telephoe ad quote "Itasure - Ladlords Protectio". A claim form will be set out by , fax or post withi 24-hours. The claim form is required to be completed ad retured alog with supportig documetatio withi five days of it beig received. To maitai a accurate record, Your telephoe call may be recorded. Claim forms ca also be obtaied from:- What happes ext: The claim will be assessed ad if accepted ad deemed appropriate, a Equiry Aget will visit the Teat ad ay Guarator. If the Equiry Aget is uable to reach a agreemet with the Teat/Guarator to remedy his failure to perform his obligatios uder the Teacy Agreemet, Our pael solicitors or their agets will be appoited to act for You. Ay Ret arrears covered uder the isurace will geerally be paid withi 21 days from the ed of the retal moth they became due. You may be required to complete a cotiuatio claim form before each

12 Ret claim paymet is made. You or Your aget must give all iformatio requested by Us or the Adviser withi five days of receivig the request for that iformatio. You or Your aget must atted ay court hearig if requested by the Adviser. This claims procedure should be read i cojuctio with the mai terms ad coditios of the isurace. Data Protectio Act Your details ad details of Your isurace cover ad claims will be held by Us ad or the Isurers for uderwritig, processig, claims hadlig ad fraud prevetio subject to the provisios of the Data Protectio Act Customer Service Our aim is to get it right, first time, every time. If We make a mistake, We will try to put it right promptly. If You are uhappy with the service that has bee provided You should cotact Us at the address below. We will always cofirm to You, withi five workig days, that We have received Your complait. Withi four weeks You will receive either a fial respose or a explaatio of why the complait is ot yet resolved plus a idicatio of whe a fial respose will be provided. Withi eight weeks You will receive a fial respose or, if this is ot possible, a reaso for the delay plus a idicatio of whe a fial respose will be provided. After eight weeks, if You are ot satisfied with the delay You may refer Your complait to the Fiacial Ombudsma Service. You ca also refer to the Fiacial Ombudsma Service if You caot settle Your complait with Us or before We have ivestigated the complait if both parties agree. For details ad eligibility o the Fiacial Ombudsma Service, see Our cotact details are: Arc Legal Assistace Ltd PO Box 8921 Colchester CO4 5YD Tel: customerservice@arclegal.co.uk The Fiacial Ombudsma Service cotact details are: Fiacial Ombudsma Service Exchage Tower Lodo E14 9SR Tel complait.ifo@fiacial-ombudsma.org.uk Compesatio We are covered by the Fiacial Services Compesatio Scheme (FSCS). If We fail to carry out Our resposibilities uder this policy, You may be etitled to compesatio from the Fiacial Services Compesatio Scheme. Iformatio about the scheme is available at or by phoe o or Authorisatio Arc Legal Assistace Ltd is authorised ad regulated by the Fiacial Coduct Authority. Arc Legal s Firm Referece Number is This ca be checked o the Fiacial Services Register by visitig the website or by cotactig the Fiacial Coduct Authority o This policy is uderwritte by AmTrust Europe Limited, Registered Office: 10th Floor Market Square House, St James s Street, Nottigham, NG1 6FG, Registered Number: AmTrust Europe Limited is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad Prudetial Regulatio Authority, fiacial services umber: These details ca be checked o the Fiacial Services Register at