Services we provide
We act as an independent intermediary on your behalf arranging the following classes of business with a wide range of insurers, these include motor, home and commercial. We have selected one insurer to provide our uninsured loss recovery service, which is administered by Perception and underwritten by Certain Underwriters at Lloyd’s of London.

Please keep with your Policy Documentation
To ensure a high standard of service we have detailed below a few answers to questions we are frequently asked.

What happens if I sell my vehicle?
In the event of the sale of the vehicle please contact the office immediately. In some cases the policy can be suspended pending the purchase of a new vehicle. If the policy is paid by installments these may still have to be paid and depending on how long the policy has been suspended for, a credit MAY be allowable at the renewal stage.

What happens if I have a claim?
In the event of a claim please contact our office immediately, or alternatively the helpline number provided by your insurer in your policy documents. You will be given detailed instructions on the procedure of how the claim will be dealt with. In the event of a claim there are certain accidents/incidents where your annual premium must be paid in full, these are:
a) in the event of a total loss claim
b) in the event of a third party claim against your or a named driver
c) in the event of a payment made to and authorized repairer.

Canceling your Insurance
You may cancel your insurance at any time by telling us in writing and sending your certificate of motor insurance. If you or someone else has not made a claim in the current period of insurance, a refund will be allowed on the insurers terms .Please see the below table for an indication of the cancellation charges. Once cancelled, policies cannot be reinstated. Commission, installment charges and the cost of the uninsured loss recovery service are non refundable .Approximate cancellation charges are below (excluding commission, installment charges and uninsured loss recovery service)

Period of cover up to-

1month	2months	3months	4months	6months	8months	over 8 months
35%	45%	50%	60%	80%	90%	100%

Complaints procedure
If you are unhappy in any way with your insurance, in the first instance please contact our Managing Director, Mr.S.Budesha at our office address either by telephone or in writing. We will acknowledge your complaint within five days. A full decision after investigation will be sent to you within 20 days .If you are not satisfied with our decision you may exercise your rights to proceed with your insurers own complaints procedure outlined in your policy documents.

What happens if I default on my payments ?
In the event of the payment plan installments not being met we reserve the right to cancel the policy with immediate effect with no refund being given .If you anticipate problems please contact our office immediately .If after cancellation of the policy there are outstanding monies on your account you will be required to pay this amount. Failure to make this payment will result with Legal action.

Charges
In addition to premiums charged by your insurer we may, at our discretion, charge up to a maximum of £20 to cover administrative costs for these specified activities. Our minimum charges are as follows:
Permanent mid-term adjustments....£15 Replacement lost certificates...£10
Mid-term cancellations.................£10 (plus commission)
Renewals ...............................£10 Temporary adjustments..........£10
Policy fee................................£10

In the event that a debt needs to be recovered via our debt collection agent, we reserve the right to add a ?30 administration fee to the debt in order to recover our costs.

Quotations
Our quotations are guaranteed based on the information provided at the quotation stage. Quotations are valid until the end of the current month. We reserve the right to withdraw the guarantee if any of the information supplied to us is incorrect or if it changes.

Top marques insurance services is a trading name of Sportauto Ltd. We reserve the right to revise charges without notice.