Short Term Taxi - Terms of Business Agreement

County Insurance Services North West LLP 298 Hoylake Road, Moreton, Wirral, CH46 6DE TEL: 0151 605 0202 FAX: 0151 605 0332. E-Mail: WEB:

Law and Language

This Terms of Business is subject to English Law and the jurisdiction of the English Courts. We will use the English language for all communications, the contractual terms and conditions, and any information we are required to supply to you, before and during the duration of the contract.


The purpose of this agreement is to set out our professional relationship and detail the services we provide to you, for your benefit and protection. You should read all of the documentation carefully and in particular, we would like to draw your attention to the “IMPORTANT INFORMATION” section. If you do not agree to any part of the information, please tell us, otherwise we will assume that you accept the terms of this agreement unless we hear from you.

The Regulator

The Financial Conduct Authority (FCA) is an independent watchdog that regulates financial services.

The FCA has authorised us to advise, arrange, deal in and assist with the placing and administration of all types of General Insurance policies.

Our Financial Services Register number is 437523 and you can check our status and permissions at or by contacting the FCA on 0800 678 1100.

Confidentiality and Data Protection

We will exchange the information that you provide to us with insurance companies and other brokers or agents for the purposes of obtaining quotations and arranging cover, this may result in a credit check to confirm your identity and minimise the risk of fraud. We will treat all information as private and confidential, and in strict accordance with the General Data Protection Regulations (GDPR), even when you are no longer a customer. We will only share information if we are required to do so by law, or regulation.

Under the GDPR an individual has the right to request personal information that an organisation holds about them by making a subject access request if you want to make a Subject Access Request you need to put your request in writing, and send it to us using one of the following methods, email, post or in person. We may, in addition use information for marketing similar products or services by us. Contact may include SMS text, post, telephone or e-mail. If you do not want us to use your information in this way, please let us know.

Our Fees, Commission and Charges

We usually receive a commission from the insurance provider with whom we place your business, and in such a case, the commission will be paid to us either when we are in receipt of cleared funds from you, when the insurer has received cleared funds from us in respect of the premium due under your policy.


  • Arranging new policies - £10
  • Mid-term adjustments - £10
  • Debit Card Payments - No Charge
  • Documents Posted - £2
  • Copy Documents - £1 per document

Specific charges, which apply to your individual policy, will be advised to you prior to the commencement of each contract applicable to that policy. The specific charge and purpose of any additional charges will always be advised to you.

Our Service

We can act both as agent of insurer, and on behalf of you, the customer. We have in place management controls to deal with any conflicts of interest that might arise. Unless we advise you otherwise, we are acting on your behalf.

We will ask questions to enable us to assess your insurance requirements, this may include checking information that we already hold about you and your existing insurance arrangements with us.


You are required by the terms of your policy to ring Collingwood Taxi Insurance to report any claim with in the first 24 hours of the claim.

Claim Telephone Number is 0345 370 0008 (24 HOURS)

We do not directly handle or negotiate any claims made under your insurance policy ourselves, but we will assist you in contacting the insurance company and passing any correspondence between yourselves but it remains your responsibility to have read, understood or queried all documentation upon receipt.

All incidents that could possibly give rise to a claim must be notified to your insurer in accordance with the terms of your policy and a claim form completed where required. Delay on your part in notifying a claim and/or completing required forms will risk the loss you suffer not being paid or being paid in part only.

You must not in any circumstances admit liability for a loss or agree to any course of action, other than emergency measures carried out to minimise the loss, as you risk a loss you suffer not being paid or being paid in part only. All correspondence, claims, writs, summonses etc. Should be forwarded immediately, unanswered, either to us or to your insurer. You are also reminded of your duty to keep all losses and costs arising from an incident to a minimum and that failure to comply with policy terms and conditions may invalidate cover.

Our Selection (Single Insurer)

We only offer this Taxi product from one insurer Collingwood Insurance.


If any provision of these Terms of Business is found to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms of Business and the remainder of the provision in question will not be affected

Rights of Third Parties

Unless otherwise agreed between us in writing, no provision of this Terms of Business is enforceable under the Contracts (Rights of Third Parties) Act 1999 by any person other than you or us.

The FOS Consumer Helpline is on 0800 023 4567 (free for people phoning from a "fixed line" (for example, a landline at home) or 0300 123 9123 (Free for mobile-phone users paying monthly charge for calls to No’s starting 01 or 02). Alternatively, you can contact them at Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR.

A full copy of our complaints procedure is available on request. Financial Services Compensation Scheme (FSCS)

If we are unable to meet our obligations, you may be entitled to compensation from the FSCS. If we have advised or arranged insurance for you this will be covered for 90% of a claim, without any upper limit, however claims under compulsory insurance, professional indemnity insurance and certain claims for injury, sickness or infirmity of the policyholder are protected at 100%. Further information is available from the FSCS helpline on 0800 678 1100 or 020 7741 4100 and

The FSCS is the UK’s statutory fund of last resort for customers of authorised financial services firms. Compensation is usually payable if an authorised firm is unable or unlikely to pay claims usually because it has ceased trading or become insolvent


We will hold money that you pay to us in accordance with the regulators rules or under a risk transfer agreement with insurers. This will include holding your money in the following way.

A statutory trust client bank account that only allows us to use the money held in trust on behalf of a customer for paying that customers’ premium to an insurance company and to pay premium refunds or claims we receive from that insurance company to the customer, once the premium has been received from that insurance company. We cannot use one customer’s money to pay another customer premium or refund. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance, unless, in the case of consumer transactions we receive more than £20 per transaction, and then we will ask for your permission to retain the interest. Unless you tell us otherwise, you are consenting to us holding your money in this way.

By holding your money in this way, means that in the event that this firm becomes insolvent your money remains protected.

Payment Options

Cash & Debit Card

Payments are collected by:
County Insurance Services Northwest LLP
298 Hoylake Road Moreton
Wirral CH46 6DE

During Office opening Hours 9am-2pm Monday to Friday Cancellation Terms

This is a short term Taxi Policy and where cancellation is effected by you

No Refund of premium would be given. Please see your Taxi Policy Document

Other Returns of Premiums:

Any other return of premium due to you will be refunded as soon as confirmed and returned to us by insurer.

You are entitled to request at any time, information about the commissions that we may have received in connection with your insurance, if you require this information please contact us.

Insurance Premium Tax (IPT)

Your premium detailed in the policy will include IPT at the prevailing rate. Should the rate of IPT be amended by the Government, your premium will be amended by the insurer to reflect the change.


Our aim is always to provide our customers with a first-class service; however, we are aware that, occasionally, it is possible that we may fail to meet your expectations. If for any reason we have not met your expectations, let us know as soon as possible, our aim is to provide a first class service, However, if you wish to register a complaint, please contact us by writing to Ian McGurn, County Insurance Services, 298 Hoylake Road, Moreton, Wirral, CH46 6DE, or, by phone 0151 605 0202, by fax 0151 605 0332.

If we are unable to resolve the issue to your satisfaction by the end of the third working day after receipt, we will formally investigate the matter. You will receive an acknowledgement of the matter together with a copy of our complaints process promptly and certainly within 5 working days. We will then aim to investigate and provide a resolution as quickly as possible, informing you of the position at no later than 4 weeks and a final response no later than 8 weeks.

If you are not happy with our response, or the position after a period of 8 weeks, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS) for an independent assessment and opinion.

All Collingwood Short Term Taxi Policies taken out with County Insurance Services are administered by ourselves as your insurance intermediary as per policy booklet.

This means only we can make amendments and changes to your Taxi insurance policy, during our opening hours. We or the insurer do not have an on line facility to make any changes to your Collingwood Short Term Taxi Policy.

You can contact us via email or by telephone to inform us you require a change to your policy and to ask us to contact you on our return, but the changes can only be done during office hours and cannot be backdated.

Opening Hours:
Monday - Friday: 9:00am to 2:00pm Saturday - Sunday: CLOSED
Bank / Public Holidays: CLOSED

Collingwood Insurance

Regulated by the Financial Services Commission in Gibraltar Member of the Association of British Insurers

Member of the Motor Insurance Bureau in the UK and Ireland UK policyholders protected by the Financial Services

Compensation Scheme Members of the Financial Ombudsman Scheme Has been EEC Authorised by the Financial Conduct Authority reference Number 230921.

Demands and Needs

We will provide you with information regarding the Collingwood Short Term Taxi Policy, which is the only policy we provide.

We do not provide any advice or specific recommendation as to the suitability of this policy for your use as a private or public hire taxi driver; however this policy meets the minimum legal requirements required by law to drive a plated taxi vehicle on UK roads.

Insurer Security

Insurers are subject to FCA regulation and are required to have adequate capital resources. We carry out checks on insurers but cannot guarantee the solvency of any individual insurer. Your liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent. An insolvent insurer may also be unable to meet a proportion or all of any claim made.

Consequently, we recommend wherever possible insuring with insurance companies with higher credit ratings. Should you be concerned or require any further information regarding your insurer then we will discuss this with you on request. In the interests of security and staff training, please be aware that phone calls may be monitored and recorded.

Checking Credit History for Quotes

To make sure you get the best offer from insurers, now or at any renewal or at any time and to protect their customers from fraud and to verify your Identity, some insurers may use publicly available data which they obtain from a variety of sources including a credit reference agencies and other external organisations. Their search will appear on your credit report whether or not your application is successful, by asking us to proceed with a quote you are signifying your consent to such information being processed by the insurer or ourselves.

Insurer Ratings

There are four main independent agencies A.M. Best, Fitch, Moody’s and Standard & Poor’s that rate the financial strength of insurance companies. Each has its own rating scale, its own rating standards, its own population of rated companies, and its own distribution of companies across its scale. Each agency uses numbers or plusses and minuses to indicate minor variations in rating from another rating class.

Unrated Insurers

Unrated insurers are insurance companies who have not been held to any scrutiny by the bodies above which issue insurance companies their ratings.

Collingwood is an unrated insurer, which means that we cannot guarantee its financial ability now or in the future or its ability to pay claims in the event of a reduction in its financial strength or solvency.

We endeavour at all times to make sure the policy documents are accurate and precise, from when the policy is first issued and at successive renewals, you will be asked to check the proposal and certificates issued to you are correct before you leave the office as incorrect information could leave the insurance invalid.


Fair presentation of risk

Before taking out insurance you will need to make a ‘fair presentation of the risk’ to the insurer.

Broadly, this means giving to the insurer, in a clear and accessible manner, accurate details of matters that would affect their underwriting decision.

To do this, it’s your responsibility to make a reasonable search of information available to you about your business. This will include a whole range of information about you and your senior management team, as well as information about your business, what it does and how it does it. Think of it as the insurer getting to know you and your business in the widest sense.

In many cases this wider background knowledge and understanding is just as important to the insurer as what you want to insure, why you want to insure it, and for how much.

More than simply describing the type of buildings or car you wish to insure, this information will help draw out anything unique about you and your business that your insurer needs to know.

Take time to work with your broker to understand who in your business holds the type of information that needs to be disclosed and how this information is retained for audit purposes. As a minimum this will include your senior management team, i.e. individuals who play significant roles in making decisions about how business activities are to be managed or organised. It could also include other people who hold information about your business relevant to the insurance you are arranging. For example, your fleet or transport manager when insuring your vehicles.

Once collected, you’ll need to provide the information in a clear and accessible manner. This would include adequate signposting of important information and not simply ‘data dumping’ huge amounts of documentation.

If your insurer has any questions about your business they will ask you for more information.

You don’t need to tell them information that is considered common knowledge, for example, the performance of a type of car (unless it has in some way been modified).

Your insurer will agree to provide cover based on the information that you give as well as the information they have gathered themselves. Don’t forget to tell your insurer about any changes that happen during the year. And remember, if you want to make a change to your policy during the year, fair presentation of risk requirements will also apply to that change.


Please confirm that no other matters have changed and if so, please let us have full details.

The enclosed renewal documents from your insurer detail the specific information required. Please read this carefully and let us have the necessary information as soon as possible.



Warranties are not always referred to as such within a policy and schedule. They may be referred to as conditions, endorsements, special terms as well as warranties. It is important that you look out for these and if you have any doubt about a particular statement, please ask us for advice.


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