NAME AND ADDRESS
Lyon Insurance Services Ltd, 2 Church Terrace, Holyhead, Anglesey, LL65 2HP. TEL 01407 760914 FAX 01407 763857 E-Mail: enquiries@lyoninsurance.co.uk

OUR SERVICE
We are an Independent Insurance intermediary specializing in Bed & Breakfast, Guest House and Holiday Home Insurance. Our service includes: advising and making a recommendation to you after we have assessed your needs (ewith the exception of Commercial Legal Expenses which is a non-advised sale); arranging your Insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make. As part of our service we will assist you with any claim that you need to make.

We offer a range of personal and commercial insurance products. For home insurance we select from a limited number of insurers whom we have selected for value and service. We can provide you with a list of insurers we offer insurance from if you require this information. For our Bed & Breakfast, Guest House and Holiday Home Insurance, known as "Sleepeasy" we deal with one insurer and the policy is underwritten by Norwich Union Insurance. We have delegated authority to issue policies for this product. For all other insurances, we will generally contact one insurer but will advise you where this is not the case.

CUSTOMER PROTECTION INFORMATION
Lyon Insurance Services Ltd is authorised and regulated by the Financial Services Authority. Our FSA Register number is 307845. We are permitted to:-
* advise customers and arrange deals in general insurance contracts
* make arrangements with a view to transactions in general insurance contracts
* deal as agents in general insurance contracts
* assist in the administration and performance of a general insurance contract
You can check this information on the FSA's Register by using the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

It is our intention to provide you with a high level of customer service at all times. However, should you be unhappy with our service or have any cause for dissatisfaction we have a formal complaints procedure. In the first instance you should contact us by telephone or in writing at the above address.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging cover is covered for 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance (motor and EL), insurance advising and arranging cover is covered for 100% of the claim, without any upper limit.

Further information about compensation scheme arrangement is available from the FSCS.

YOUR DUTY TO PROVIDE INFORMATION
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. It is important that you ensure all statements you make on proposal forms, claim forms and other documents are full and accurate. Please note that if you fail to disclose any material information to your insurers, this could invalidate your cover and could mean that part or all of a claim may not be paid.

INFORMATION ON COSTS
We will provide you with separate premiums for each of the individual products and services that we are offering.

We will normally accept payment by guaranteed cheque. You may be able spread your payments through insurers' instalment schemes or a credit agreement through ourselves. We will give you full information about your payment options when we discuss your insurance in detail.

In addition to the premium charged by insurers we normally make the following charges to cover administration. Renewals and arranging new policies £10. Express Service charge £15. Upon cancellation of a policy any refund will be paid net of a £10 cancellation fee. Fees already paid at the outset of a policy are non-refundable. This is in addition to any cancellation charges made by insurers.

We may be entitled to receive profit share from insurance providers.

CLIENT MONEY/RISK TRANSFER
Lyon Insurance Services Ltd act as agent of insurers for the collection of premium. This means that our premiums are treated as being received by the insurer when received in our bank account and the insurer will bear the risk for any losses that may arise from the failure of our firm.

Lyon Insurance Services hold insurer monies in a trust account which means that whilst we have legal ownership over such monies, this remains for the beneficial ownership of our clients.

RENEWALS/CANCELLATION
You may be entitled to cancel your policy within 14 days of policy inception or receiving full documentation, details of which will be given to you when you take out your policy.
Where you pay your premium by direct debit on policies other than "Sleepeasy" insurers will automatically renew your policy unless you advise us to the contrary.
Certificates and other policy documentation will not be released to you until we are in full payment of the policy premium(s). In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any documents that you are required to have by law.

CONFLICT OF INTEREST
There may be occasions when a potential conflict of interest arises. If this happens, we will inform you and obtain your consent before we carry out your instructions.

CLAIMS
In the event of a claim please report all incidents to our office as soon as possible and we will forward you a claim form and advise you what to do next.

CONFIDENTIALITY
All personal information about you will be treated as private and confidential. We may use information we hold about you to provide information to you about other products or services we feel may be appropriate to you.

Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. If you have any queries please write to us at the above address.

GEOGRAPHICAL LIMITS

We are able to quote for properties located in the UK (excluding Northern Ireland).

The information in this site is directed at residents of the UK (excluding Northern Ireland). Accessing this site from territories where its content is illegal or unlawful is prohibited. If you choose to access the site from outside the UK, you are responsible for compliance with local laws.

These Terms of business are governed by and are to be interpreted in accordance with the laws of England and Wales and in the event of any dispute arising in relation to these terms and conditions, the courts of England and Wales will have exclusive jurisdiction.