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Terms of Business Agreement


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 Insurance policies are arranged through Commercial and General Ltd and underwritten by Qudos Insurance A/S. Qudos Insurance A/S which is registered in Denmark company number 33956967, registered office, Kongevejen 371, DK 2840 Holte, Denmark.

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, serial number, 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.

Block transfers

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 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

For annual and monthly policies, We will contact You at least 21 days before this policy is due for renewal to notify You that this policy will renew automatically. If You do not ask Us to cancel this policy, We will take a payment for the renewal premium as detailed in the renewal correspondence We send You.

Complaints Procedure

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:

KAPUT Limited
Holton Park
Hadleigh Road
Holton St Mary
Tel: 0800 999 7878 | Email: complaints@kaput.co.uk

If you are dissatisfied with the response you receive in relation to your complaint or your complaint is not resolved within 8 weeks, you have the right to refer your complaint to the Financial Ombudsman Service. You may contact the Financial Ombudsman at:

The Financial Ombudsman Service
Exchange Tower,
Harbour Exchange Square,
E14 9SR.
Tel: 0300 123 9 123

Email: complaint .info@financial0ombudsman.org.uk

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.

Compensation Claim

Qudos Insurance A/S is covered under the Forsikrings Garantifond and this is Your first point of claim for financial compensation in the event of any financial failure of the Insurer. Cover also exists under the Financial Services compensation Scheme. This provides compensation in case any of its members are unable, in specified circumstances, to meet any valid claims under their policies. Under this scheme most insurance contracts are covered up to 90% of the total claim. Compensation is only available to commercial customers in limited circumstances. Further information can be obtained from the Insurer, or from the Financial Services Compensation Scheme at the following address:

Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Tel: 08006781100 or 0207 741 4100.

Email: complaint-info@financial-ombudsman.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 or card payment. All prices are quoted in Pounds Sterling including IPT (Insurance Premium Tax) at the current rate of 12%.

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 and press option 1 for all claims.