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Absolute - Terms of Business Agreement

Please read this document carefully. It sets out the terms and conditions on which we agree to act for you (and/or your appointed agent), contains details of our responsibilities together with your responsibilities both to us, to insurers and to other third-party providers. Please contact us immediately if there is anything in this document that you do not understand or with which you disagree. Your receipt of this document constitutes your informed consent to its contents.

1. Who we are?

We are Just Advice Solutions Limited T/A Absolute, Absolute Military, Absolute Kit, Absolute Life (we, us or our), an insurance intermediary who specialises in providing specialist and niche personal lines products.

2. Who regulates us?

We are authorised and regulated by the Financial Conduct Authority (FCA) an independent body that regulates the UK financial services industry. Our FCA reference number is 796907 and you can check our permissions and the names under which we trade on the FCA's Register https://register.fca.org.uk/ or by phoning the FCA on 0800 111 6768.

3. Our services and products we provide

We are committed to providing you with good quality service and insurance products and will always act in your best interest. We operate under delegated authority arrangements on behalf of the insurers and act as agent of the insurer when arranging and issuing your policy.

Our permitted business activities are advising, arranging (bringing about) deals, making arrangements with a view to transactions, dealing as agent, assisting in the administration and performance of a contract and agreeing to carry on a regulated activity in respect of General Insurance and Pure Protection contracts.

We use a panel of insurers for Life insurance. For Kit and Personal Possessions cover we offer insurance from Accelerant Insurance Europe SA. Personal Accident and Travel products are underwritten by Healix Insurance Services Ltd on behalf of Hamilton Insurance DAC. You will be advised of the insurer at quotation stage and in your policy documents. Unless we have informed you to the contrary either verbally or in writing we will not assess your specific insurance needs and will not make a personal recommendation but will provide you with the information to enable you to make a decision on whether the product meets your needs.

4. Duty to disclosure accurate and full information

It is your responsibility to take reasonable care and, when asked, to answer all questions fully and accurately to insurers and us prior to and when you purchase an insurance policy, throughout the life of the policy and when you renew that policy. Failure on your part to immediately disclose accurate information when asked or provide misleading information could result in your insurer imposing different terms on the policy, charging a higher premium, or in some circumstances may avoid the policy from inception and any claims would not be paid.

All material facts disclosed to us and insurers should be full, true and accurate. Material facts are those that would influence an insurer in deciding whether or not to accept a risk and the terms and conditions that would apply. Where forms are completed or partially completed on your behalf, you should check them for accuracy before signing. If you are in any doubt as to whether a fact is relevant, you should disclose it and then ask for guidance.

5. Our remuneration and charges

We are remunerated by commission which is paid to us by your insurer(s). We may receive additional payments from your insurer(s) reflecting the profitability of our account with them.

We will charge £1 per month which is included in the overall premium to cover the administration of arranging a new policy, any changes to a policy or renewal for Kit insurance. There are no administration charges for our PA Policy.

We impose a cancellation charge of £15 per adult policy holder to cover the administration of your Travel insurance when you cancel your policy during its policy term.

If you cancel your Travel Insurance policy within 14 days of the policy starting there is no administration charge as your policy will not have been deemed to have started and you will not have had the benefit of any Insurance cover.

6. Data protection

We believe that all personal data we request is necessary to conduct our business and perform our duties as an insurance intermediary and at all times confirm we comply with the provisions of the applicable UK, EU and any other data protections laws including the Data Protection Act 2018.

We will collect and use personal data such as individual's name and contact details and some sensitive personal data such as criminal convictions and health details, where relevant. We will use this data for services such as arranging insurance, marketing and claims handling. For more information, please refer to or Privacy Policy at https://absolutemilitary.co.uk/privacy-policy/.

7. Complaints

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 can call, email or to write to us:

● Tel: 01233 885410

● Email: info@absolutemilitary.co.uk

● Post: Just Advice Solutions Limited, Suite 34, 80 Churchill Square, Kingshill, West Malling, Kent, ME19 4YU

We need you to help us by summarising the problem, policies affected and the resolution you expect. We will endeavour to rectify the problem immediately but if we are unable to do so your complaint will be dealt with in accordance with our formal Complaints Procedure, a copy of which will be provided to you.

Should you remain dissatisfied with our final decision or more than 8 weeks have passed since receipt of your complaint then if you wish, you may contact the Financial Ombudsman Service (FOS), details of which can be found at www.financial-ombudsman.org.uk.

8. Compensation

We are covered by the FSCS. You may be entitled to compensation from the scheme if either we or the providers with whom we arrange products were to go out of business. This depends on the type of product and the circumstances of the claim.

Long term insurance benefits (e.g. Life Assurance)

The maximum level of compensation for claims against firms declared in default is 100% of the claim with no upper limit.

General Insurance

General insurance advice and arranging is covered for 90% of the claim with no upper limit.

Protection is at 100% where claims arise in respect of compulsory insurance (e.g. employer's liability insurance), professional indemnity insurance and certain claims for injury, sickness or infirmity of the policyholder.

Protection is at 90% where claims arise under other types of policy with no upper limit. Further information about the compensation scheme arrangements is available from the FSCS. Or by contacting

Financial Services Compensation Scheme PO Box 300 Mitcheldean GL17 1DY Telephone number 0800 678 1100

International customers Telephone number +44 207 741 4100

9. Vulnerable Clients Capturing Your Needs:

We are committed to providing you with a service that meets with your individual needs. To enable us to achieve this objective it is important that you are open and frank with us and provide us with all of the necessary information that we will need to deliver a service that reflects your needs e.g. any existing mortgages or other loans you may have. This will enable us to identify products and services that best meet with your personal circumstances. It will also help us to identify any specific needs regarding the methods by which we deliver our services to you. This may include additional ways of communication to those that we usually use as set out in the section of this agreement entitled "means of communication".

Further information on how we collect and use your personal data is set out in the separate Data Privacy Notice that we have issued to you.

Means Of Communication

We will provide information to you by whatever means are convenient to you, including face-to-face, telephone, paper, email and other acceptable electronic communication methods including audio. All such information will be made free of charge to you.

For any of our clients who are visually impaired, on request we will provide this information in larger print format or braille.

Our communications with you will ordinarily be in English, both in respect of oral and written communications.

In addition where requested we can provide a translated version of this document,

You may at any time choose to request information in paper and free of charge that has previously been provided to you by means other than paper. For example, where a communication was originally sent by email.

You may at any time choose to change your preferences as to how we communicate with you. However, where you choose to do this, we will require you to confirm this change in writing to us.