Tel: 01226-744716
Hoyland Insurance
Brokers Ltd.
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Renewal Terms of Business



Hoyland Insurance Brokers Ltd is an Independent Intermediary authorised and regulated by the Financial Conduct Authority.  Our FCA Registration number is 301204.  The FCA can be contacted on 0845 606 1234.

Our Service

Our Service includes advising you with your insurance needs, arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make.  We can also assist you with making a claim.


It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance.  Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance policy being invalid or cover not operating fully.

It is important that you ensure all statements you make on proposal forms, claim forms, and other documents are full and accurate.  If a form is completed on your behalf, you should check that all the answers shown to any questions are true and accurate before signing the document.

You are reminded that it is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain a Certificate of Motor Insurance.

Please note that under the Rehabilitation of Offenders Act 1974 you are not required to disclose convictions regarded as ‘Spent’.

You are advised to keep copies of any correspondence you send to us or direct to your insurer.

If you are in any doubt about whether information is material, you should disclose it.

Confidentiality and data protection

All personal and sensitive information about our customers is treated as private and confidential.  We will use and disclose the information we have about customers in the normal course of arranging and administering their insurances, and will not disclose any information to any other parties without their written consent.  Unless we are notified of any changes, we shall assume the personal and sensitive data we hold about our customers is correct, and shall use it to provide quotations when policies fall due for renewal.

In the interests of security and to improve our service, telephone calls you make to us may be monitored and / or recorded.

We may pass information about you to credit reference agencies for the purposes of arranging payments by instalments, and may also pass to them details of your payments record with us.

Under the Data Protection Act 1998, individuals have a right to see personal information about them that we hold in our records.  A charge may be made for this service.  If you wish to exercise this right, or have any other related queries, you should write to us at the above address.


It is our intention to provide you with a high level of customer service at all times.  If there are occasions when we do not meet these standards, please contact the member of staff you were dealing with, either verbally or in writing.  They will take details of your concerns and we shall then acknowledge in writing, advising you who is dealing with the matter.  A copy of our full Complaints Handling Procedures is available upon request.


As an Independent Intermediary we are often paid commission by your insurance company, details of which are available on request.  We also may apply charges to cover the administration of your policy.

Return premiums

Return premiums usually arise if an insurance risk is reduced or a policy cancelled.

On a return premium, we repay commission on the amount to your insurer and this will be deducted from the final amount due to you.

In view of the costs involved, we shall not issue any return premium that is less than £20.00 (after deducting reclaimed commission).  An amount less that £20 will be held to your credit and can be utilised against any future insurance policy with us.

If a policy is cancelled, we shall refund any return premium due (after deduction of the commission and our charge.)

Policy terms, conditions and warranties

You should read through all policy terms, conditions, and warranties shown on your policy documentation.  Please ensure you understand them and are able to follow their requirements exactly.  If not, please advise us immediately as a breach of any terms, conditions, or warranties may enable your insurer to terminate your policy from the date of that breach, and / or repudiate a claim under your policy.


In the event of a claim, in the first instance you should notify your Insurers promptly.  You should never admit responsibility.  Details of the claims procedure are in your policy booklet, alternatively, please contact us for the claims helpline and any assistance you require.  In the event of a claim, we reserve the right to seek immediate full payment of all outstanding premiums.

Withholding Documentation

We may retain certain documents such as your Insurance Certificate whilst we are waiting for full payment of premium from you.  We would not normally thereafter retain your documents on our files unless you specifically request us to keep them for you.  In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any documents which you are required to have by law.

© 2019 Hoyland Insurance Brokers Ltd.
Authorised and regulated by the Financial Conduct Authority
Company Registration Number: 1404770
FCA Firm Reference Number: 301204