Customer Services
Customer Service Information
1 . Sterling Insurance Company Limited
Sterling Insurance Company Limited is a private company limited by shares, registered in England and Wales number 498605. It underwrites general insurance business. It is authorised and regulated by the Financial Services Authority (FSA). The FSA is the independent watchdog that regulates financial services.
Our FSA Register number is 202012. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
Sterling Insurance Company Limited is a member of Sterling Insurance Group Limited.
| Registered Office: | Ambassador House, |
| Branch Office: | 50 Kings Hill Avenue Kings Hill West Malling Kent ME19 4JX |
2. Disability Discrimination Act 1995
In accordance with the Disability Discrimination Act 1995 we are able to provide upon request a textphone facility, audio tapes, large print documentation and Braille documentation. Please advise us if you require any of these services to be provided so that we can communicate in an appropriate manner.
3. Law applicable to the contract
We propose to choose English law as the law applicable to the contract unless we agree another choice of law with you prior to the start date.
4. Premiums
Premiums are payable annually to Morton Michel. Insurance premium tax, as imposed by current legislation, is incorporated into all premiums.
5. Promise of satisfaction and service
We are confident that your policy will bring you complete satisfaction. We undertake to refund the premium in full if you are not satisfied with the cover provided by your policy if it is returned within 14 days of issue, but if there has been an incident which has resulted or could result in a claim you must reimburse the Company for any amounts we have paid or may be required to pay, in respect of that incident.
6. Duration of contract
The first period of insurance under your policy will be 12 months unless otherwise requested by you and agreed by the Company.
7. Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS.
8. Notification of a claim
If you have a claim, or are aware of an incident that could result in a claim, please contact Morton Michel on 0845 2570900 or Sterling Insurance Company Limited on 0845 271 1300.
9. Enquiries or complaints
If you have an enquiry or complaint regarding:
- the suitability of this policy for your needs;
- the information and advice you received whilst it was originally being discussed; or
- the operation or administration of the policy
or an enquiry concerning a claim that you may have made; you should contact Morton Michel at: Alhambra House, 9 St Michael’s Road, Croydon CR9 3DD. Telephone: 0845 2570900 Fax: 0845 2570547/0548
If you have a complaint concerning a claim you have made you should contact Sterling Insurance Company Limited, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JX or telephone 0845 271 1300.
(A copy of Sterling’s complaints handling procedure is available on request by writing to the Customer Services Manager, Sterling Insurance Company Limited, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JX or telephone 0845 271 1300.)
If your complaint relates to the Legal Expenses cover, please write to The Claims Services Manager, DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH or telephone 0800 015 1407.
Please be ready to provide all relevant details of your policy and in particular your policy number (if allocated) to help your enquiry or complaint to be dealt with speedily.
If you are not satisfied with the way in which your complaint has been handled, you may have the right to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR; telephone number 0845 080 1800.
Please note that the Financial Ombudsman Service will normally only consider a complaint once we have issued a final decision letter.
Following this procedure will not affect your legal rights.
10. Information about DAS Legal Expenses Insurance Company Limited
DAS Legal Expenses Insurance Company Limited is a private company limited by shares incorporated in England and Wales under registered number 103274. It underwrites legal expenses business. Its head and registered office is DAS House, Quay Side, Temple Back, Bristol, BS1 6NH. It is authorised and regulated by the Financial Services Authority and appears on the Financial Services Authority's register under number 202106.
11. Morton Michel
Morton Michel is authorised and regulated by the Financial Services Authority (FSA) Our FSA Register number is 308590
Market leaders in childcare insurance for over 40 years
Friendly family firm, not big, faceless corporation
No call centres!
Access to the Child Care Club.
