Hazlett Insurance Limited

“We engage financial advisers to provide financial advice on general insurance products on our behalf. These are policies that insure your personal or business assets or protect you or your business assets, liabilities and business income. We are not able to provide advice on personal income protection or investment policies but are able to refer you to associates who are licensed to provide advice on such products.”

“We may charge a fee for the advice given to you and for implementing that advice. If a fee is to be charged it will be based on the amount of work and time required to provide and implement our advice and will be shown separately on our invoice to you, payable on payment of your premium.”

“Premium funding products enable you to pay the insurance premium over the term of your policy by instalments rather than as one amount. Hazlett Insurance Ltd offers this option which includes an interest charge and the ability to take a power of attorney over your insurance policy, this means there is the ability to cancel your insurance policy if you fail to pay an instalment. If you enter into such an arrangement there will be a separate agreement which states the interest cost.”

“Hazlett Insurance Ltd will receive commission from the insurance companies on whose policies we give advice. If you decide to take out a policy, the insurer may pay us commission based on the premium that you pay.”

“We manage all conflicts of interest, ensuring our financial advisers prioritise your interests above their own, by following an advice process that ensures our recommendations are made on the basis of your needs and circumstances. All of our financial advisers complete training to understand and manage conflicts of interest. We maintain a register of conflicts of interests and any gifts and other incentives that we may receive. We review our compliance programme annually.”

“Your adviser will attempt to resolve any issue of dissatisfaction with you immediately. If the matter cannot be resolved to your satisfaction, the adviser will escalate the complaint to his or her manager, notifying you accordingly. We will send you an acknowledgement of your complaint within five working days of your complaint being notified to us.”

“If we are unable to resolve your complaint despite our best efforts, you can contact our external dispute resolution scheme, who provides a free and independent dispute resolution service.”