Terms of Business Agreement
KAPUT Limited (FRN 7000071) is an Appointed Representative of Commercial and General Ltd which is authorised by the Financial Conduct Authority (FRN 300001).
KAPUT Limited will arrange insurance for you with UK General Insurance Ltd (FRN 564362) on behalf of Ageas Insurance Limited (FRN 202039). Ageas Insurance Limited is authorised by the Prudential Regulation Authority and is regulated by the Financial Conduct Authority and the Prudential Regulation Authority. You can check these details online using the Financial Services Register accessible from www.fca.org.uk/consumers or by contacting the Financial Conduct Authority Consumer Helpline on 0800 111 6768.
Your duty of disclosure
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, must be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part of or all of a claim may not be paid.
In order to complete your application we will require full details on the type, make, model, age and original purchase price of each appliance. You are able to complete your purchase without providingthese details and can provide them at a later date. To give you a fair and reasonable chance to gather the details correctly for each appliance, you can provide your information to us either online via the My Account feature or by telephoning us and so complete your application. We do require all of these details within 14 days of your original purchase date in order to fully activate your policy. If any details are missing we will attempt to contact you to allow you to provide the missing information. However, if any details are still missing after 14 days, or we are having problems contacting you, we do reserve the right to cancel your policy if we determine that the application is incomplete and the necessary appliance information is not sufficient for us to identify which appliance is being covered.
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, where disclosure is with your consent or where we are required to disclose your information by law.
Some or all of the information you supply to us in connection with your insurance proposal may also be passed to insurance and other companies for underwriting, claims and premium collection purposes which may necessitate providing such information to third parties. We may also send the information to other companies including those located outside the European Economic Area.
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 Compliance Manager, Compliance Department at the above address.
To maintain the highest standard of customer service, calls to KAPUT Limited may be recorded for compliance, training and quality purposes.
By agreeing to these Terms and Conditions you agree to these uses of your information.
In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. This is where we place all insurances of a certain type with one insurer who can provide particularly competitive terms for all our customers. 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 Business Agreement constitutes both your acceptance that we may do this and your prior request for us so to do.
Demands and Needs Statement
KAPUT Limited will endeavour to meet the demands and needs of those people who wish to protect their appliances in the United Kingdom against the risks of electrical or mechanical failure.
KAPUT Limited only provides a quote from one single Insurer which is UK General Insurance Ltd (FRN 564362).
KAPUT Limited do not provide advice or recommend that their KAPUT Multi Appliance Extended Warranty is suitable for you. You should decide before purchasing, whether the terms and conditions of the insurance policy meet your demands and needs for appliance insurance.
If you are buying cover for the first time or replacing existing insurance cover that you may have, it is important that you take your own individual needs and circumstances into account.
In addition to this Demands and Needs Statement you should also read and consider the full KAPUT Multi Appliance Extended Warranty Policy Terms and Conditions, and this KAPUT Terms of Business Agreement. These documents are available for viewing prior to purchase at www.KAPUT.co.uk/documents and downloadable in PDF download format. Once you have purchased cover, these documents are emailed directly to you, and are also available for viewing in your “MY ACCOUNT” login area.
Read together, these documents highlight to you the key features and benefits of the KAPUT Multi Appliance Extended Warranty and will enable you to make an informed choice as to whether the cover provided meets your demands and needs. When deciding whether the KAPUT Multi Appliance Extended Warranty meets your demands and needs, questions you should consider:-
• Is there an existing fault on my Appliance?
• Do I already have another insurance policy that already covers the appliance?
• Do I require additional risks to be covered other than those detailed in the summary policy document?
If you can answer negatively to all of the above questions, then your demands and needs are those of an appliance owner who wishes and needs to ensure their appliance insurance needs are met now and in the future.
Renewing your Policy
If you have chosen to pay by monthly direct debit, your policy will continue for each month you continue to pay your monthly premium until you tell us you wish to cancel.
If you bought an annual policy, we will provide you details concerning your renewal in plenty of time prior to the anniversary of your policy. Unless you wish to cancel your insurance coverage with us you need to do nothing more and your policy will automatically renew on the anniversary date using the payment details we have on file.
It is the intention to give You the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim You should follow the complaints procedure below:
Sale of the Policy
For complaints regarding the sale of your policy, please contact the Administrator who arranged the Insurance on your behalf:
Holton St Mary
Tel: 0800 999 7878 | Email: email@example.com
For complaints regarding a Satellite TV Unit Claim, please contact the Claims Administrator:
Sunnyside Road North
Tel: 0370 320 1509 | Email: firstname.lastname@example.org
For complaints regarding a claim for any other Home Appliance or Audio/Visual Product, please contact the Claims Administrator:
Tel: 0333 043 6671 | Email: email@example.com
In all correspondence please state that your Insurance is provided by UK General Insurance Ltd and quote scheme reference 06061.
In all cases, if your complaint cannot be resolved by the end of the next working day, it will be passed to:
Customer Relations Department
UK General Insurance Ltd
Old Mill Business Park
Gibraltar Island Road
Tel: 0345 218 2685 | Email: firstname.lastname@example.org
If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity but have a group annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:
The Financial Ombudsman Service
Harbour Exchange Square,
Tel: 0300 123 9 123
We are also required to inform you of the availability of the Online Dispute Resolution platform to assist you if we are unable to resolve your Complaint. However, this service will refer your Complaint to the Financial Ombudsman Service, so you may instead wish to contact them directly. The ODR platform can be found here https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.show&lng=EN
The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.
Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.
Your premium can be paid as a monthly premium or as a single one off annual premium or in monthly instalments by Direct Debit under a Premium Finance agreement. All prices are quoted in Pounds Sterling including IPT (Insurance Premium Tax) at the current rate of 10%.
How to claim
Please refer to your policy document if you need to notify a claim and have your policy number and details to hand. You should call 0800 999 7878 for all claims.
If you have a claim for a Satellite TV Unit, please call the "KAPUT Satellite Claims Line" on: 0800 999 7878 - Option 1, then Option 1.
If you have a claim for any other Home Appliance or Audio/Visual Product please call the "KAPUT Home Appliance Claims Line" on: 0800 999 7878 - Option 1, the Option 2.