The Consumer Insurance (Disclosure and Representations) Act became effective on the 6th April 2013. To ensure compliance with the Act we are making changes to our policy documentation and our policy wordings.
Please copy and paste the wordings required below.
New Proposal Form declarations
(The first declaration is usually Important Note number 2)
If you provide false or incorrect information or withhold information, your policy could be cancelled or declared
void. We may also refuse to pay a claim. You should keep a complete record of all information supplied to the
underwriters for the purpose of entering into this contract of Insurance (including copies of all letters).
(The second declaration is usually at the very bottom of the document)
I/we declare that the answers given (on which the underwriters will rely when deciding whether to accept the risk
and in fixing the premium) are true to the best of my/our knowledge and belief and that no information has been
withheld. I/we also agree that if another person has given any information on this form, he or she acted as my/
our agent for this purpose. I/we hereby consent to any information you may have about me/us being processed in
accordance with the data protection notice on this form.
New complaint wording for SWH documents
We aim to provide a first class service.
If you have any reason to complain about your insurance policy, or us, please refer to the complaints procedure
below. The first step is to write to the Chief Executive of Equity Red Star at Library House, New Road, Brentwood, Essex CM14 4GD. When you do this, please quote your insurance document number as it will help us to deal with your complaint promptly.
After this action, if you are not satisfied with the way that your complaint has been handled, you may ask the
Policyholder & Market Assistance department at Lloyd's to review your case. The address is Policyholder &
Market Assistance, Lloyd's Market Services, One Lime Street, London EC3M 7HA. Tel: 0207 327 5693. E-mail:
If you are still not satisfied after contacting Lloyd's, you can refer your case to the Financial Ombudsman Service
(FOS.) The address is The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Tel: 0800 023 4567. Email: complaint.info@financial-ombudsman.org.uk. This does not affect your right to take
legal action if necessary.
New SOF declarations
These are the details supplied by you and form the basis of your contract of insurance. If the details are correct
there is no need to take any further action. However, you should store this document in a safe place for future
reference. If any details are incorrect or incomplete, please contact your intermediary and notify them of any errors.
If the risk remains acceptable they will issue a further statement of fact showing the correct details. If you provide
false or incorrect information, withhold information or fail to inform us of any errors, your policy could be cancelled
or declared void or we may refuse to pay a claim.
(The second declaration is usually found at the very bottom of the document)
I/we declare that the answers given (on which the underwriters will rely when deciding whether to accept the risk
and in fixing the premium) are true to the best of my/our knowledge and belief and that no information has been
withheld. I/we also agree that if another person has given any information on this form, he or she acted as my/
our agent for this purpose. I/we hereby consent to any information you may have about me/us being processed in
accordance with the data protection notice on this form.
