Terms of Business
Effective from 27th August 2018
All BT product codes (for NI customers & customers based in ROI with a NI policy) FINAL 270818
CUSTOMER INFORMATION IN RELATION TO YOUR ALLIANZ POLICY
The underwriter of your insurance is Allianz p.l.c., registered in Ireland, Companies Registration Office No. 143108, trading as Allianz, having its registered head office at Allianz House, Elm Park, Merrion Road, Dublin 4, D04 Y6Y6. Our branch trading address is Allianz p.l.c., 3 Cromac Quay, The Gasworks, Ormeau Road, Belfast BT7 2JD. Vat no 4887986M.
Allianz p.l.c. is authorised by the Central Bank of Ireland and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Our FCA Register number is 202862.
What We do
Allianz p.l.c. is a non-life insurance undertaking which underwrites personal, commercial, education, religious and social insurance products. When dealing directly with customers we underwrite general insurance products on a non-advised information only basis.
How we charge
The charge for our services is the premium (including, where applicable, an insurance premium tax). This premium and any optional covers are separately set out in your Schedule/Renewal notice.
Please be aware that an Allianz staff member may receive a payment in relation to the processing of your policy.
Policy Alteration, Additional and Return Premiums
Where your policy is altered during any Period of Insurance we will recalculate your premium. This may result in an additional premium due to us, or a return premium due to you. A premium transaction charge may be applied to all such alterations, as detailed in your Schedule. We will only charge or refund you provided the total amount, including the Premium Transaction Charge, is greater than or equal to the amount detailed in your Schedule. Where applicable, an insurance premium tax will be applied to your premium calculations.
Alteration to terms and conditions
In the event of a claim we may advise you, at the time of your next renewal, of altered policy terms and conditions which increase your premium and/or excess, and/or reduce cover.
Language & Customer Communications
Your policy and all communications with you or by you to us will be in English. For Allianz Direct customers: We will publish your insurance documentation in the MyAllianz portal. On request, we will also provide your documentation by post.
You and we may choose the law applicable to this contract. It is hereby agreed that this contract is governed by the Laws of Northern Ireland unless we agree with you otherwise in writing. The Northern Irish Courts will have jurisdiction to hear any dispute other than any dispute which must be referred to arbitration under the arbitration clause of this policy.
Non-payment of your premium or part thereof or breach by you of certain conditions of your policy may lead to your policy being revoked or cancelled.
Right of Withdrawal
You have the right to withdraw from this policy, provided you have not made a total loss claim, within 14 days of the latest of:
(1) The starting date of cover, or
(2) The date on which you receive the full terms and conditions of your Policy.
Withdrawal effectively means that no policy was ever in place, and you may exercise this right by notice in writing to us at Allianz p.l.c., 3 Cromac Quay, The Gasworks, Ormeau Road, Belfast BT7 2JD, quoting your policy number. Should you exercise this right we will refund you any part of your premium you have paid less an administration charge as detailed in your Schedule. If the cover is motor insurance, the premium cannot be refunded until the Allianz Certificate of Motor Insurance has been returned to Allianz. Please note that the right of withdrawal does not apply if the insurance policy under which insurance cover is provided is for less than 1 month.
If you need to make a claim, please telephone us on 028 9089 1310 or contact us at Allianz p.l.c., 3 Cromac Quay, The Gasworks, Ormeau Road, Belfast, BT7 2JD. When you call, please provide your policy number, details of what happened, and the time and date of the incident.
We aim to deliver the very highest standards of customer care. If you have an enquiry or complaint, please contact, with your policy/quote number and details: Head of Customer Focus, Allianz p.l.c., 3 Cromac Quay, The Gasworks, Ormeau Road, Belfast BT7 2JD, Tel: +028 90895600, Email: firstname.lastname@example.org.
If you remain dissatisfied with our final response to your complaint you can refer your complaint to the Financial Ombudsman Service. You must do this within six months of the date of our decision. The contact details are: The Financial Ombudsman Service, Exchange Tower, London E14 9SR, Telephone 0800 023 4567, Fax 020 7964 1001
If you would like further information please refer to the Financial Ombudsman website at: www.financial-ombudsman.org.uk
If you are a resident of the Republic of Ireland you may also refer your complaint to the Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02 VH29,
Financial Services Compensation Scheme
Allianz is a member of the Financial Services Compensation Scheme (FSCS). In the event of Allianz being unable to pay a claim, You may be entitled to compensation from the FSCS. For compulsory insurance claims the Scheme must ensure that the claims of all policyholders are met in full. Compulsory insurance covered by the Scheme includes motor (third party, injury and property) and employers’ liability. For non-compulsory insurance (such as home) the first £2,000 of a claim is protected in full. For amounts above this threshold FSCS will ensure that policyholders are compensated to 90% of the value that their policy would have paid. Further details of the FSCS are available on request.
Please note that Allianz may record and monitor telephone calls for regulatory, training and quality purposes.