0115 824 44 33 
ATTENTION: This legal notice applies to the entire contents of the Website under the domain name, www.ensureprotection.co.uk(Website) and to any correspondence by e-mail between us and you. Please read these terms carefully before using the Website. Using the Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not accept these terms, please do not use the Website. This notice is issued by Ensure Protection Ltd. (Company). Additional terms and conditions will apply to the products and services offered on this Site which will be drawn to your attention as necessary. 

Terms of Business 

 It is important that you are fully informed about how your application will be handled by Ensure protectionLimited herein referred to as "the Company". This page sets out the Company's Terms and Conditions of Business. Please read this entire document carefully and keep in a safe place for your future reference.  We reserve the right to make amendments to these Terms of Business. We will let you know of any changes should they affect your current matter. Copies of the Company's amended Terms and Conditions of Business will be available upon request.  By proceeding with your application constitutes acceptance of these Terms and Conditions of Business. We the company offer free Insurance reviews based on searching a large panel of providers, the products we can provide our services for are Life Cover /Critical Cover and Income Protection.  We Ensure Protection are Directly Regulated and Authorised by the FCA (Financial Conduct Authority), and our registration number is 778857. The company works on a non-advised basis which means we can only show options based on the information we the ompany have been given.  We the company do receive a commission from the provider for helping to arrange any insurance application. We the company do not charge any upfront fees for our service.  Personal Information  Be aware that your personal and medical information is protected by your chosen provider, and a strict code of confidentiality will be followed. Please do refer to the insurers Privacy policy for more information. In order for us to provide you with the best policy for you we need to collect personal data to assess your eligibility. In any event, we are committed to ensuring that the information we collect, and use is appropriate for this purpose, and does not constitute an invasion of your privacy.  Rights of cancellation  You of course do have a cooling off period of 30 days, and again all the information about this can also be found within the key facts document that will be sent to you from either ourselves the company or your chosen insurance provider.  If you were to cancel your policy within the cooling off period, you should get a refund of any premiums you have already paid. However, your insurer may take off a small amount to cover days when the policy was in force. They may also charge you a small administration fee. Not all insurers follow the same process so again please refer to your policy documentation for further information. Some insurers may give you a longer cooling-off period. If you are not sure how long your cooling-off period is, you can check the terms of your insurance policy.  With regards to the company, we do not charge any upfront fees for the work we have done for you we receive a commission from the insurance provider.  Once this application has been submitted, if you were to cancel the policy after the 30-day cooling off period but before the 4-year clawback period you will be liable for a cancellation fee of a sum equal to but not more than the commission claw back Ensure Protection are liable for. There will be no extra costs involved such as administration fees The fee will decrease as the clawback period draws closer to ending and the starting clawback amount will be no higher than our initial commission amount which can be found in your quote illustration document under the section about commission.  We must stress that should your circumstances change in the future, and you find yourself needing to change this insurance policy then please just simply get in touch with us. If any amendments are made to this policy within the clawback period, you will NOT be liable for any cancellation fees if the changes are made by ourselves Ensure Protection Ltd.  Complaints  It is our intention to always provide you with the highest possible level of customer service. However, we recognise that things can go wrong occasionally and if this occurs we are committed to resolving matters promptly and fairly.  Should you wish to complain you may do so:  • In writing to the complaints manager Glyn Jarvis • By telephone on 0115 824 44 33 • By e-mail at admin@ensureprotection.co.uk  Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). More information is available on request or on their website www.financial-ombudsman.org.uk  Communications/Documentation  We will issue documentation to you in a timely manner. Documentation relating to your insurance policy will confirm the basis of the cover and provide details of the relevant insurers. Your chosen provider will send full documentation once your application is live. It is therefore important that the documentation is kept in a safe place, as you may need to refer to it or need it to make a claim. A new policy booklet is not necessarily provided each year, although a duplicate can be provided at any time upon request. You should always check the documentation to ensure all the details are correct and if this is not the case you should contact us immediately. If documents are issued by electronic means or via an internet portal, paper documents are available free of charge on request. 

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