The following gives you important information as to how we deal with you and your insurance and must be read in conjunction with the accompanying correspondence and documentation. We would recommend that you read it carefully and keep it with your insurance documents.
Golfshield is a trading style of Thistle Insurance Services Limited (TISL). TISL is authorised and regulated by the Financial Conduct Authority. This is the independent watchdog that regulates financial services, including insurance.
Our registered address is:
68 Lombard Street
but our day-to-day contact details are:
Thistle Insurance Services Limited
Tel: 0345 873 3867
Fax: 0345 450 6743
Our Financial Conduct Authority Registration Number is 310419.
You may check this information and obtain further information about how the Financial Conduct Authority protects you by visiting their website www.fca.org.uk or by contacting them on 0800 111 6768.
We will only offer you an insurance product from the insurer named in the accompanying documents. We provide this under an agreement with them which allows us to provide you with a quotation, confirm cover and issue policy documents to you and in some instances settle claims, acting on their behalf.
We also collect your premium on their behalf, which we then hold as their agent.
Copies of policy documentation can be obtained by contacting us.
We review the position of the insurer periodically to ensure that they still meet the requirements of our customers and we are not contractually obliged to deal with them.
We will ask you some questions (important: see section headed ‘Information that you provide to us’ below) to ensure that your risk is suitable for insurers and make available any optional covers, however we won’t provide you with a specific personal recommendation.
This product is suitable for amateur and semi-professional golfers wishing to insure against theft and accidental damage of their equipment and liabilities which may arise through its ownership and use. You must make your own decision as to whether this insurance meets your own needs specifically, please ask us if you have any particular queries over your own needs.
You must answer any questions we or insurers ask you in connection with your insurance truthfully and to the best of your knowledge and belief.
Premiums are normally quoted inclusive of UK Insurance Premium Tax at the prevailing rate; any other costs or fees will be detailed in your quotation.
We are paid for our services principally by way of brokerage commission; this is a proportion of the premium you pay, allowed to us by the Insurer and by any fees paid by yourself.
In addition We and/or other members of the Thistle group may receive:
We hope that you are happy with your policy. Please read it carefully to see it meets your needs. If not, you may have a right to cancel your insurance.
You have a statutory right to cancel your policy if it does not meet your requirements or for any other reason within 14 days of the date you receive your policy documents or the inception date whichever is the latest. If no claims have been made you will receive a full refund. Insurers reserve the right to make a charge for any cover provided during this time.
In addition you may cancel thereafter and we will refund your premium less a time on risk charge apportioned as a percentage of the premium up to the date of cancellation and an administration fee. No return of premium will be given in the event that any claim has been reported to Insurers.
If you need to make a claim please refer to the guidance in the relevant section of the policy wording. If you need any additional assistance please contact ourselves.
We collect and process personal data from you in accordance with the Data Protection Act 1998 (The Act). The personal data we may collect from you, such as your name, address, health, education, financial details and racial or ethnic origins are necessary to provide you with our services. These include negotiating, maintaining or renewing (re)insurances, and handling (re)insurance claims. At times, the provision of our services may necessitate the transfer of your personal data outside the European Economic Area and/or the disclosure of the same to Thistle Group companies, insurers, partners, agents and professional advisers. Such employees, contractors and agents who have access to your personal data are required to keep that information confidential and are not permitted to use it for any other purposes.
All countries in the European Economic Area, (EEA) including the UK have similar standards of legal protection for your personal information. We may administer aspects of our relationship with you and provide other services from centers outside the EEA that may not have the same standard of data protection laws as the UK.
However, if we do, we will always have a contract in place to ensure that your personal information is protected at least to UK standards, and we will remain bound by our obligations under The Act. The details you provide may also be used to update our records and those of companies within the Thistle Group so that we may provide you, from time to time, with risk or insurance related information or details of services, or products, which we think may be of interest to you.
Please advise us if you do not wish your information to be used in this manner.
We are a member of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of any claim.
Further information about compensation schemes arrangements is available from the FSCS:
Financial Services Compensation Scheme (FSCS)
15 St Botolph Street
Telephone: 020 7741 4100