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Terms of Business

The Financial Conduct Authority

GSI Insurance Services (Southern) Limited of 118 John Wilson Business Park, Whitstable, Kent CT5 3QT is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Registration number is 437959.

Our permitted business is advising, arranging, dealing as agent and assisting in the administration of general insurance contracts. You may check this on the FCA’s register by visiting the FCA website, or by contacting the FCA on 0800 111 6768.

Our Service

We are an independent intermediary acting on your behalf to arrange insurance. We will ask questions to assess your specific needs and will make a recommendation explaining the main features and benefits of the product we offer and bring to your attention any unusual restrictions there may be. In some circumstances you will not receive advice or a recommendation from us. We may ask some questions to narrow down a selection of products that we will provide details on. We will inform you whether advice or a recommendation is made. You understand that these Terms and Conditions establish the basis of your contract with GSI Insurance Services (Southern) Limited. For our mutual protection telephone calls may be monitored or recorded. We undertake our activities in accordance with the Laws of England and Wales and any disputes will be governed by and construed in accordance with these Laws.


For Private Motor and Household insurance we select products based on a fair and personal analysis of the market. For some types of insurance, such as Travel insurance, we deal with a select panel of Insurers and for some insurance, such as Legal Protection we deal exclusively with a single Insurer, selected as offering good service and value for money. We will give you full details of any such arrangement before you make any commitment on any product we offer.


We normally receive commission from the insurers or product providers with whom we deal and make charges for handling your insurances as follows: New Business/Renewal Policy Arrangement fee up to £250;Mid-term Adjustments to Policy and Cancellations after 14 days £100; Cancellation before cover start date £25; Letter and/or Duplicate Documents Fee £50; Cheque/Cash processing Fee £15; Non-disclosure Fee £100 – In addition to any increase in premium, this will be charged where we are required to update your information with the insurers; Cancellation of Credit Agreement Fee £15.

At quotation stage you will be informed of the total price to be paid, including any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. Alternatively, this will be displayed in your welcome documentation. Other taxes, costs or both may exist in respect of products and services that we offer which are not paid through or imposed by us. Please note that any refund of premium will only be credited upon receipt of same from your Insurance Company.

For return premiums, inclusive of cancellation return premiums, we repay commission on the refund to your insurer and this amount will be deducted from the final amount refunded to you.

We expect to earn a commission from the premium for arranging your policy. Occasionally insurers will pay a reduced commission or quote a net premium and pay no commission. In these circumstances we will add a fee to enhance our earnings by up to 35%.

For all Commercial insurance, our Arrangement fee is tailored to your requirements and you will be informed of this at the start of the policy.

Handling Client Money and/or Insurer Money

We collect and hold money as agent of the insurer/policy provider as governed by the FCA rules. This involves operating one or more of the following – a statutory trust and/or risk transfer. Further details are available on request.

Solvency of Insurers

Whilst we make every effort to ensure our partners are financially sound and authorised to trade in the UK, we cannot guarantee the solvency of any insurer. Should an insurer become insolvent this may affect your cover and you may be liable for any premium due.

Provision of Cover

You should be aware that cover cannot be granted in the absence of premium payment, or part thereof. In the event of an initial payment not being authorised, cover may not be deemed to have been afforded in any way. It remains your responsibility therefore to ensure that sufficient funds are available so that cover may commence. We are unable to effect cover or make subsequent changes to any policies by email or fax; you must telephone and speak to an adviser.

Instalment Terms

You understand and agree that, where you have selected to pay via a payment plan, the deposit paid represents cover that has been afforded to you and that the whole of the annual premium has been paid to the agreed insurance company by GSI Insurance Services (Southern) Limited and is financed by a third party finance provider. You further understand that failure to make instalment payments may ultimately lead to the cancellation of your policy.

Your Responsibilities

You are responsible for providing the complete and accurate information in all the answers you give and statements you make as part of your insurance application. This information may be recorded by phone, be part of your Proposal Form, Statement of Fact, Claim Form or any other written correspondence. It is your responsibility to read through and check all information on your insurance application is accurate and honest. If you deliberately or carelessly misinform the insurers, part or all of a claim may not be paid, or your policy may be cancelled or deemed void from the start. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy.

You agree to provide all information and documentation that we require promptly and within a maximum of ten days. Failure to do so may lead to the commencement of cancellation procedures.

You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention should be paid to any warranties or conditions as failure to comply with them may invalidate your policy.

Upon receipt of your policy documentation a fourteen day cooling-off period becomes effective. Should you find that the policy is unsuitable for your needs, you may cancel at any time within this period by informing us in writing and returning your documents. In addition to any charge made by your insurer for time on risk, a charge of £25.00 will be made by GSI Insurance Services (Southern) Limited for the administration of your policy at that point. No refund would be due if a claim has been made during this period.

You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, please contact us immediately for guidance.

Renewal of Insurances

We will advise you in good time in writing to you at the address held on file that your renewal is due. We may also contact you by phone, email or text to obtain your renewal instructions. It is essential that we receive your renewal instructions before the policy is due as it will not automatically renew. If we do not hear from you, your policy will be lapsed from the renewal date and no cover will be in force.

Cancellation of Insurances

Unless otherwise agreed by us, you should make any request for the cancellation of a policy in writing. In the event of cancellation, charges for our services will apply in accordance with our schedule of charges. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation.

In the event that you do not return the necessary paperwork or default in paying any premiums due, for whatever reason, you understand that, subject to writing to you at the address held on our file, we reserve the right to cancel your policy and to recover any balance of monies due to us. If such action leaves a balance due this will remain payable by you; if such action leaves a credit this will be refunded to you.

If any balance or premium is not paid on demand we may appoint a debt collection agency to collect the outstanding balance on our behalf or take direct legal action, at which point a £100 charge will be immediately added to the debt. Any additional charges or costs incurred, including those of the agency, and any associated court costs will further be added to the debt.

Complaints and Compensation

We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact our Compliance Officer on 01227 773067 or email and we will advise you how to proceed. Having followed our Customer Complaints Procedure, if you are still not satisfied, you may refer your query to the Financial Ombudsman Service. Further details are available on request.

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 insurance, size of the business (if a commercial customer) and the circumstances of the claim. The compensation limit for insurance mediation is 90% for non compulsory insurance, and 100% for claims in respect of a liability subject to compulsory insurance Further information about compensation scheme arrangements is available from the FSCS.

Data Protection & Confidentiality

As part of our service to you we will collect, store and process your personal data and we are committed to protecting and respecting your privacy. For full details of how we use your information please view our Privacy Policy that is enclosed in your welcome pack when you start your policy. Alternatively you can view this at  or contact us and we will provide you with a copy. We cannot confirm the privacy policies for each insurer or other companies we may use and so recommend that that you read these separately where required.

With your consent, we may contact you to tell you about other products or services we offer. You are able to manage your marketing preferences or unsubscribe from our marketing at any time. Please view our Privacy Policy for further details. (TOBV012022)

We reserve the right to amend our Terms of Business at any time and without notice in response to changes in trading conditions or relevant legislation.

By working with us you are in agreement to our Terms of Business above.

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