Tel. 01246 456789 | Fax. 01246 260611 | Email.

Terms of Insurance Business

About us
DCJ Group Insurance & Risk Management Ltd of Lutine House, Brimington Road North, Chesterfield S41 9AP is authorised and regulated by the Financial Conduct Authority (FCA). We are permitted to arrange, advise on, deal as an agent of insurers and clients and assist in claims handling with respect to non-investment insurance policies. Our firm reference number is 304420, which may be verified on the Financial Services Register by visiting the FCA’s website at or by contacting the FCA on 0800 1116768. We are also authorised by the FCA for consumer credit broking. We act for a number of lenders

Product providers
We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer.

Our service levels are very high however, in the unlikely event that you have a complaint please contact Mr Christopher Breeze, our Managing Director at the address shown overleaf. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0800 0234567 and further information is available at If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.

Compensation arrangements
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. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. This scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available from the FSCS on 0800 6781100 or 020 7741 4100 or by visiting

Your duty of disclosure
Consumers: You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and statements you make as part of your insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part or all of a claim may not be paid.
Commercial customers: Where we arrange insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search. Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurers may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

How to cancel
You may have a statutory right to cancel a policy within a short period. Please refer to your policy summary or your policy document for further details. If you cancel within the statutory cancellation period (where this applies) you will receive a pro rata refund of premium from the insurer. Insurers are also entitled to make an administrative charge. In addition, we may keep an amount which reflects the administrative costs of arranging and cancelling the policy.
If you wish to cancel outside this period you may not receive a pro rata refund of premium. We may also keep an amount which reflects the administrative costs of arranging and cancelling the policy.

Methods of payment and our right to cancel your insurance
We accept payments by cash, cheque, credit and debit card. We may also be able to offer finance by direct debit through numerous companies, please ask for details. If any payment is not received within the agreed timescales you authorise us to instruct insurers to cancel the policies in force. We will issue a letter by Recorded Delivery to your last known address giving 7 days notice to this effect. This Terms of Insurance Business document constitutes both your acceptance that we may do this and your prior request for us so to do.

How to claim
Please refer to your policy summary or you policy document if you need to notify a claim You should contact the insurer direct as soon as possible using the contact details provided. If in doubt about whom you should contact, please contact us on 01246 456789

Protecting your information
All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, or where we are required by law.
Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the managing director at the address shown overleaf.
We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information

Fees and charges
Personal Insurances
In addition to premiums charged by insurers, we may make charges for the administration of your insurance:
New Business - £30.00
Renewals - up to £30.00
Mid term adjustments - £30.00
Cancellations - £30.00
Duplicate or replacement documents - £30.00
Refused cheque fee - £10.00
Use of outside credit recovery company - £30.00
You will receive a quotation which will tell you the total price to be paid, showing any fees and charges separately from the premium, before your insurance arrangements are concluded.

Commercial Customers
We reserve the right to charge a broking/administration fee as necessary. Such fees will be notified to you before they become payable. Such fees may be made in addition to our receiving commissions. This is a non-refundable fee on cancellation of policies for whatever reason.
Where policies are cancelled or amended for any reason and a return premium is allowed by the insurer, we will deduct a fee from the return premium up to a maximum amount equalling 15% of the inception or last renewal premium and the net amount will be refunded to you. We will disclose the amount retained upon written request from you.

On request, we will be happy to provide information about any commission received by us in the placing of your insurance business or arranging premium finance

Block Transfers
In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients.

This Terms of Insurance Business document constitutes both your acceptance that we may do this and your prior request for us so to do.

Protecting your money
Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your policy is treated as being paid for), or we hold it in a client bank account on trust for you. We may need to transfer your money to another intermediary in some cases. However your money will be protected at all times because of the requirements of FCA rules. We also reserve the right to retain interest earned on this account.
By accepting this Terms of Insurance Business document, you are giving your consent for us to operate in this way.

Data Protection/Fair Obtaining Notice
This notice explains how we may use the details you provide us with. You should show this Data Protection Notice to anyone covered or proposed to be covered under your policy/prospective policy.
By proceeding with your application for motor insurance and providing us with the information we request in that connection, you authorise us to use your data, including sensitive personal data, in accordance with this Data Protection Notice and to pass the data to suppliers, insurers and third parties for the purposes set out in this Data Protection Notice. You also confirm you have gained the consent of any named drivers for their data to be used as set out below.
How your data will be used
Your data will be used for insurance underwriting purposes i.e. to examine the potential risk in relation to your prospective policy and for anti-fraud purposes i.e. to detect and prevent fraudulent claims and/or activities.
Your Driving Licence Number ("DLN") and that of any named driver will be checked against the DVLA database to confirm the licence status, driving entitlement and relevant restrictions and any endorsements/convictions. Searches may be carried out prior to the date of the insurance policy and at any point throughout the duration of your insurance policy including at the mid-term adjustment and renewal stage.
'No Claims Discount' details may be checked against a No Claims Discount database to obtain information in relation to your 'No Claims Discount' entitlement. Such searches may be carried out against the DLN, name, date of birth, Vehicle Registration Mark and or postcode of you and any named drivers.
A search of the DLN against the DVLA and NCD databases should not show a footprint against your (or another relevant person’s) driving licence.
How your data will be processed
Your personal data will not be used for marketing. It will only be shared within organisations involved with the administration of your insurance policy or as otherwise set out in this Data Protection Notice. We may pass details of your 'No Claims Discount' to certain organisations to be recorded on a NCD database. This will occur if information requires updating or correcting at any stage, and also at the renewal stage of your policy and upon or after the cancellation of your policy prior to the expiry date.
For further information about disclosing your Driving Licence Number, see: 
For details relating to information held about you by the Driver and Vehicle Licensing Agency ("DVLA") please visit



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Contact Us

Tel. 01246 456789
Fax.01246 260611

Lutine House

Brimington Road North
Chesterfield S41 9AP