Crowland Insurance Bureau is a privately owned, independent, insurance brokers run by David Fowls.
For generations the Fowls family have been advising people, and in the process, helping them to make history - as you will see from the following examples:
BC 1200 - TROY: Gardner, Demetri Fowls suggested the Greek wooden horse would make a nice feature in King Priam's garden.
BC 218 - SPAIN: Scipio Fowls tells Hannibal he's as much chance of beating Rome as taking elephants over the Alps.
1018 - WESSEX: Ethelred Fowls persuades King Canute that anything Moses can do, the king can do better.
1066 - BATTLE: King Harold looks up when Jacques Fowls gets the Norman army to point to the sky and shout "Is it a Bird, Is it a Comet, No, Its an arrow."
1455 - CHELSEA FLOWER SHOW: Master Gardner, Henry Fowls judges Richard Duke of York's entry best of show - beginning the War of the Roses.
1529 - HAMPTON COURT: Mortimer Fowls introduces King Henry VIII to speed dating.
1577 - ENGLISH CHANNEL: Sir Francis Drake's pilot, Will Fowls, takes a wrong turn on a booze cruise to Calais and circum-navigates the world.
1812 - TRAFALGAR: Admiral Lord Nelson copies Midshipman Thomas Hardy Fowls's show of distain for the French riflemen by sticking his tongue out and waving his arm at them
1815 - WATERLOO: English double agent, Rodrigo Fowls, persuades Napoleon to take a nap and delay the main attack until the Prussians arrive, so that he can defeat both armies at once.
1854 - BALAKAVA: Lancer Sergeant George Fowls requests General Cardigan take the light brigade fox hunting down the valley, not realising that Russian's were anti hunt activists.
1912 - CAPE RACE, NORTH ATLANTIC: As his freezer has broken, Bar Steward Arthur Fowls, asks the captain to sail The Titanic a little closer to an iceberg to collect fresh ice for the cocktails.
1987: Rubber goods manufacturer Charlie Fowls wins contract to supply both NATO & Eastern Bloc armed forces with phosphorescent covered balls, hot water-bottles, so ending the "cold war", but inadvertently starting glow-ball warming.
With hundreds of years of experience, we can help you insure against most little mishaps that may befall you of yours - So contact us today - after all, what can go wrong?
OUR STATUS
Crowland Insurance Bureau is a privately owned, independent, intermediary. We are authorised and regulated to conduct general insurance business by The Financial Services Authority (F.S.A.) who are an independent watchdog that regulates financial services.
Our FSA. Firm reference number is 302491, which may be checked on the FSA list of authorised firms by accessing the FSA website at www.fsa.gov.uk
OUR SERVICE TO YOU
We are able to arrange all classes of Personal Insurance and Commercial Insurances.
We will endeavour to satisfy your insurance needs and we will place your interests before other considerations.
You have the choice of either:
- Not receiving advice or recommendation from us for a particular insurance product.
OR
- Receiving advice and a recommendation after we have assessed your needs.
We will normally select a policy from a range of insurers.
You will be advised of the insurer and the insurance premium prior to entering into the contract of insurance.
We will try to ensure that the insurance products we offer meet your full requirements. If we cannot match those requirements we will explain the differences in the product that we are able to offer.
We will help you with any changes to any insurance cover that you wish to make.
We will help you with claims on insurance policies we have arranged, although we will not act as a claims assessor.
CLIENT'S DUTY TO GIVE INFORMATION
It is your responsibility to fully disclose any information or circumstance that may affect the insurers assessment of the risk insured. If in doubt always disclose. Failure to disclose, or incomplete information can lead to the insurance contract being invalid and any claim rejected. It could also lead to special terms being imposed.
CLAIMS
As soon as you become aware of an incident that may result in a claim being made you should follow the advice given in the policy document. If you experience any difficulty, you should either contact the insurers or ourselves to be advised on how to proceed. Delays in notifying the claim could prejudice the insurers position and may lead to the claim being rejected.
INFORMATION ABOUT COSTS
We will inform you of the premium required including all fees or charges prior to the insurance being affected. The method of remuneration for our services to our clients is either a proportion of the insurance policy premium (commission or brokerage), or a fee, or a combination of commission and fee.
INSURER SECURITY
We only seek insurance from insurers that meet The Financial Services Authority's financial guidelines, however, we cannot guarantee that solvency or continuing solvency of any insurer used, and you should be aware that the financial position of any insurer can change during the period of cover. In the event of any insurer becoming insolvent we will assist our clients to submit claims in respect of any outstanding balance premium or claims to the appropriate authority, we do not however, accept responsibility for any claims or return premiums in these circumstances.
COMPLAINTS
We realise that things can go wrong, if this happens we would like you to tell us orally and/or in writing to our office address so that we may put things right and avoid any re-occurrence.
IN THE EVENT OF ANY COMPLAINT BEING RECEIVED WE WILL
1) Acknowledge receipt of the complaint by letter within 5 business days, advising that in most circumstances the complaint will be investigated and resolved within 20 business days.
2) Give the telephone number the name of the person within Crowland Insurance Bureau investigating the complaint.
3)If the complaint cannot be resolved within a 20 business day period, we will advise you by letter or telephone of a date by which the complaint may expect to receive a final response.
4) If it is possible to resolve the matter within the advised time scale we will write to you explaining this.
5) When complete we will send a letter to the complainant explaining the outcome and conclusions of the investigation. If appropriate we will also give the name and address of the relative insurer, and or The Financial Ombudsman's Service. Our Professional Indemnity insurers will be advised of any complaint, and they may wish to make their own investigation and may interview the complainant. The insurers will be given access to our records including the client's personal details.
6) If you are still not happy with the way we have dealt with your complaint you may contact The Financial Ombudsman Service (FOS), who’s address is:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR |
