The following information is to help you decide if our services are right for you.
We will provide advice and make a recommendation for you after we have assessed your needs and circumstances.
We offer products based on a fair and personal analysis for Private Medical Insurance, International Medical Insurance & Life Insurance.
No fee. Commission only - We arrange the policy with the insurer on your behalf. You do not pay us a fee for doing this. We receive a commission from the insurer which is a percentage of the total annual premium.
If you wish to register a complaint please contact us:
If we do not resolve the complaint to your satisfaction, you may also contact the The Financial Ombudsman Service.
The Globacare Group Ltd is authorised and regulated by the Financial Conduct Authority (FCA). FCA number 808672.
The FCA is an independent watchdog that regulates financial services.
You can check this on the Financial Services Register by visiting the FCA's website www.face.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 1116768.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This will depend on the type of business and the circumstances of the claim.
Insurance advising and arrange is covered for:
Further information about compensation scheme arrangements is available from the FSCS.
By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business.
We draw your particular attention to: the section headed ‘Use of personal data’ and specifically the paragraph explaining how ‘sensitive personal data’ will be used. The section headed ‘Handling Money’ which explains our terms for handling client money in a Non- Statutory Trust account. For your own benefit and protection, you should read these terms carefully.
The Globacare Group Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 808672.
The Globacare Group Ltd permitted business is arranging and administration of Private Medical Insurance Contracts.
You may check this on the FCA’s register by visiting the FCA website, www.FCA.gov.uk/register or by contacting the FCA on 0800 111 6768.
Our role is to advise you and make suitable recommendations after we have assessed your needs. In situations where we are able to arrange insurance for you but do not offer advice, we shall confirm the position to you in writing. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer.
We select Private Medical insurance products from a range of insurers. We will give you further information about this before we finalise your insurance arrangements; where we select form a limited number of insurers you may ask us for a list of the insurers we deal with for these products.
We select Private Medical insurance products from a range of insurers. We will give you further information about this before we finalise your insurance arrangements; where we select form a limited number of insurers you may ask us for a list of the insurers we deal with for these products
In providing our service, we may sometimes act as an agent of the insurer. We will confirm the capacity in which we act for you before undertaking any relevant transactions on your behalf.
We aim to provide you with a high level of customer service at all times, but if you are not satisfied, contact us:
The Old Fire House, 520-524 Wimborne Road, Bournemouth, Dorset, BH9 2EX
When dealing with your complaint, we will follow our complaint handling procedures; a summary of these is available on request. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we do not meet our obligations. This depends on the type of business and the circumstances of the claim. If you are eligible to claim from the FSCS, compensation is available as follows: Insurance advising and arranging is covered for 90% of the claim, without any upper limit For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or www.fscs.org.uk.
Occasions can arise where we or one of our associated companies, clients or product providers may have potential conflict of interest with business being transacted for you. If this happens and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions, and we will detail the steps we will take to ensure fair treatment.
We receive commission from the insurers or product providers. In good time before the conclusion of each insurance contract, or upon renewal, we will remind you of your right to be informed of the level of commission which we receive from underwriters. You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business.
You will receive a quotation which will tell you the total price to be paid, showing any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded.
Full payment of premium and fees is due before cover commences, or as otherwise stated under terms of credit, or in the cover/debit note issued to you. We also draw your attention to the section ‘Ending your relationship with us’.
We do not handle any client monies for this product, all premiums are handled directly by the insurers.
You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance must be returned to us or to the insurer concerned. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in event of cancellation before the policy expires.
Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose a penalty. Your instructions must be given in writing and will take effect from the date of receipt. In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 14 days’ notice. Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided.
You are responsible for providing the complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. If you fail to disclose information, or misrepresent any fact which may influence the insurer’s decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid. You must check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign.
It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy.
You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, please contact us for guidance.
This section refers to personal data, which is deﬁned as information concerning any living person (a natural person who hereafter will be called the Data Subject) that is not already in the public domain.
The General Data Protection Regulation (GDPR) seeks to protect and enhance the rights of data subjects. These rights cover the safeguarding of personal data, protection against the unlawful processing of personal data and the unrestricted movement of personal data within the EU. It should be noted that GDPR does not apply to information already in the public domain.
The Globacare Group is pleased to provide the following Privacy Notice:
The Globacare Group uses the information collected from you to provide quotations, make telephone contact and to email you marketing information which The Globacare Group believes may be of interest to you and your business. In you making initial contact you consent to The Globacare Group maintaining a marketing dialogue with you until you either opt out (which you can do at any stage)
or we decide to desist in promoting our services. The Globacare Group also acts on behalf of its clients in the capacity of data processor. When working exclusively as a data processor, The Globacare Group will be acting on the instruction of its client, and will work hard to ensure that the client is fully GDPR compliant.
Some personal data may be collected about you from the forms and surveys you complete, from records of our correspondence and phone calls and details of your visits to our website, including but not limited to personally identifying information like Internet Protocol (IP) addresses. The Globacare Group may from time to time use such information to identify its visitors. The Globacare Group may also collect statistics about the behaviour of visitors to its website.
Any information The Globacare Group holds about you and your business encompasses all the details we hold about you and any sales transactions including any third-party information we have obtained about you from public sources and our own suppliers such as credit referencing agencies.
The Globacare Group will only collect the information needed so that it can provide you with marketing and consulting services, The Globacare Group does not sell or broker your data, although coincidentally there may be times when your information could be contained in data that The Globacare Group has purchased from a third-party.
To meet The Globacare Group contractual obligations to clients and to also respond to marketing enquiries.
Legitimate interests pursued by The Globacare Group and/or its clients
To promote the marketing and consulting services offered by The Globacare Group and/or to market the services offered by The Globacare Group existing clients.
Through agreeing to this privacy notice you are consenting to The Globacare Group processing your personal data for the purposes outlined. You can withdraw consent at any time by emailing email@example.com or writing to us, see last section for full contact details.
The Globacare Group may on occasions pass your Personal Information to third parties exclusively to process work on its behalf. The Globacare Group requires these parties to agree to process this information based on our instructions and requirements consistent with this Privacy Notice and GDPR.
The Globacare Group do not broker or pass on information gained from your engagement with the agency without your consent. However, The Globacare Group may disclose your Personal Information to meet legal obligations, regulations or valid governmental request. The agency may also enforce its Terms and Conditions, including investigating potential violations of its Terms and Conditions to detect, prevent or mitigate fraud or security or technical issues; or to protect against imminent harm to the rights, property or safety of The Globacare Group its clients and/or the wider community.
The Globacare Group will process personal data during the duration of any contract and will continue to store only the personal data needed for ﬁve years after the contract has expired to meet any legal obligations. After ﬁve years any personal data not needed will be deleted.
Data is held in the United Kingdom using different (multiple) servers. The Globacare Group does not store personal data outside the EEA
At any point whilst The Globacare Group is in possession of or processing your personal data, all data subjects have the following rights:
In the event that The Globacare Group refuses your request under rights of access, we will provide you with a reason as to why, which you have the right to legally challenge. The Globacare Group at your request can conﬁrm what information it holds about you and how it is processed
The Globacare Group will accept the following forms of ID when information on your personal data is requested: a copy of your national ID card, driving license, passport, birth certiﬁcate and a utility bill not older than three months. A minimum of one piece of photographic ID listed above and a supporting document is required. If The Globacare Group is dissatisﬁed with the quality, further information may be sought before personal data can be released.
All requests should be made to firstname.lastname@example.org or by phoning 01202 031714 or writing to us at the address further below.
You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. Generally, insurers require immediate notification of a claim or circumstances that might lead to a claim. We will employ due care and skill if we act on your behalf in respect of a claim.