Gebruiksvoorwaarden En Privacybeleid – Commercieel

Coverdrone FlySafe

Terms Of Business & Privacy Policy – Commercial Operators

Our Service

Coverdrone is a trading name of John Heath (UK) Limited. John Heath (UK) Limited is an independent insurance intermediary and act on your behalf in arranging your insurance.

Quotations are provided from a single insurer and are non-advised sales. Our website address is www.coverdrone.com

Coverdrone FlySafe Application

Short-term insurance cover from 1 to 7 consecutive days can be purchased in our Coverdrone FlySafe Application. The App can be downloaded for iOS and Android devices by using the following links: iOS or Android.
When you first purchase insurance cover you will be required to register an account. This account will be valid for 12 months and you will receive a copy of our Terms of Business (this document), a Demands & Needs Statement and a Policy Wording. Please note, however, that insurance cover will only be valid when you purchase short-term cover, which can be from 1 to 7 days consecutively. At all other times there will be no insurance cover in force. You will receive a policy schedule to identify the cover you have purchased and the dates and times the cover is valid for.
It is good practice to record all your drone flights in the FlySafe App as we may ask you for your flight report in the event of a claim.

Customer Protection Information

John Heath (UK) Limited is a Private Limited Company registered in England and Wales. Registered Office: Arrowscroft, 142 Nantwich Road, Crewe, Cheshire CW2 6BG, United Kingdom. Company number 07636523.
John Heath (UK) Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 651498. We are permitted to:

You can check this information on the FCA’s Register by visiting the FCA’s website www.fca.org.uk or by contacting the FCA 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 on +44 (0)1270 448 998 or in writing at Arrowscroft, 142 Nantwich Road, Crewe, Cheshire CW2 6BG United Kingdom. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.fos.org.uk). 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. You may also refer your complaint to the Lloyd’s complaints team and you can find details here: www.lloyds.com/complaints.

Fair Presentation of Risk

It is your statutory duty before entering into a contract of insurance, prior to an alteration, and at renewal to make a fair presentation of the risk to be insured and to ensure that information is provided in a clear and accessible format. Where practical, every material circumstance should be disclosed. We will expect firms to make reasonable enquiries and proactively gather information, however, where this is not practical you must make us aware, as your broker, that further enquiries are needed to accurately underwrite the risk. Any questions put to you in a proposal form, on the FlySafe App, or otherwise must be answered honestly, accurately and in good faith. Failure to make a fair presentation of the risk could invalidate your insurance cover and 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 including any fees.
Fees already paid at the outset of a policy or during the term of a policy are non-refundable. Certificates and other policy documentation will not be released to you until we are in receipt of full payment of the policy premium(s) and any fees. 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.
John Heath (UK) Limited are remunerated by receiving a percentage of premium by way of commission or brokerage which will be disclosed to clients on request. We may receive profit share and/or an overrider from insurers or premium funding providers, which you consent to us retaining. Any interest earned on your money whilst in our possession will be retained by us.

Cancellation

If you wish to cancel your annual registration, please contact us and you can find our contact details here: https://www.coverdrone.com/contact-details/
If you cancel your annual registration, there will be no refund of any premiums or fees already paid. You may cancel any insurance cover you have purchased, where cover has not yet commenced, and we will provide a full refund. No refund will be payable where insurance cover has already commenced.

Risk Transfer / Client Money

John Heath (UK) Limited act as agent of the Insurer for the collection of premiums and refunds of premium. This means that premiums are treated as received by the Insurer when received by us and we will advise you if this is not the case. Where we hold clients’ monies these are held on trust in a statutory trust account, which means that whilst we have legal ownership over such monies they remain for clients benefit.

Claims

In the event of a claim:

Confidentiality

All personal information about you will be treated as private and confidential. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance, and will not disclose any information to any other parties without your consent. We may use information we hold about you to provide information to you about other products and services that 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 contact our office.

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.

Terms of Credit

All premiums and fees must be paid within the FlySafe App before insurance cover commences.
We will give you regular accounting documentation. If you are unsure about any aspect of these credit terms, please notify us as soon as possible so that we can discuss it with you.

Payment Options

Credit/Debit Card

Payment must be made in full for any insurance cover required in the FlySafe App. An additional service charge does not apply to card payments.

LAW and Jurisdiction

These terms of business shall be governed by and construed in accordance with English law. In relation to any legal action or proceedings arising out of or in connection with these terms of business we both irrevocably submit to the non-exclusive jurisdiction of the English Courts.

PRIVACY POLICY

This document details how information about you, that you have provided to us, will be used.

Legal basis for processing data

There are several lawful bases under which we can hold and process your data.  John Heath (UK) Limited will hold and process your data where:

Information we collect about you

When you contact us for an insurance quotation we collect the relevant information needed by an insurer to calculate the premium and understand and arrange insurance to meet your needs, and also arrange premium finance where applicable.  The information varies dependant on the risk to be insured.  It may be necessary to collect sensitive personal data, and/or we may need information (including sensitive personal data) about other members of your household or family (including children) who may also be included as a beneficiary on your policy e.g. family members who may drive your car or may be included on a travel insurance policy.

Where this involves passing information to us relating to children you acknowledge that in doing so you are the responsible parent or guardian of the child and are providing explicit consent for us to use this information specifically to fulfil the insurance cover and services requested.

We Collect this information

Information is collected during our meetings, telephone conversations, letters, e-mails with you and through the completion of proposal forms and fact finds or via online submission forms.

We store your personal data

John Heath (UK) Limited use several data storage methods which include:

Information held on Acturis, Open GI, Office 365, Feefo and Mailchimp is securely backed up and your data encrypted to protect your data from cyber-attacks and on-line hackers and manual records are stored in secure locked offices.

How your information will be used and who might it be shared with

The information we collect will be passed to insurers to enable them to calculate a competitive insurance quotation to meet your requirements and/or handle a claim you are making under the policy.

In order to obtain the most appropriate policy it may be necessary to pass your information to other insurance intermediaries who are authorised and regulated by the Financial Conduct Authority.

Information provided by you may be put onto a register of claims and shared with other insurers to prevent fraudulent claims.

We may share your data with other third parties in order to meet our legal or regulatory requirements. This includes statutory bodies and third parties who request information about you that they need to help prevent or detect crime and fraud or organisations who are responsible for tax or where we are required to give this information under an order of the court or legislation.

Should you wish to pay your premium by instalments we may pass your information to a premium finance provider however, this will not be done without discussing payment options with you first.  When applying or taking out credit we will share your data with lenders.  John Heath (UK) Limited, or the lenders, may carry out anti-money laundering checks and credit underwriting to assess creditworthiness and affordability to meet regulatory or business obligations.  Credit checks may include a search of your records (for limited companies this may include directors and the organisation itself) at a credit reference agency.  This type of search will leave a footprint that other lenders will be able to see but not the outcome of the search.  The type of search made should not have a detrimental effect on the credit rating of an individual.

We keep your data for

We will retain any information held in manual files for not less than 7 years.

We will retain any information held electronically for not less than 7 years.

Your personal data is processed by us by our staff in the UK.  However, for the purposes of IT hosting and maintenance this information may be located on servers within the European Economic Area.

Your rights of access

Under the GDPR (General Data Protection Regulations) you have a right to obtain a copy of the personal information that we hold about you free of charge.  If you believe that any information held is incorrect or incomplete, you should contact us (see contact details below).  Any information that is found to be incorrect or incomplete will be amended promptly.

Erasure Rights

You have the right to request the deletion or removal of your personal data if you feel there is no compelling reason for its continued processing.

Your Right to Data Portability

You have the right to request us to transmit your data directly to another organisation which we will undertake if this is technically feasible.  We will respond to your request within one month and if we are unable to action a request we will explain why.

Your right to object

Under the GDPR you have the right to object to us processing personal data based on grounds relating to your particular situation.  If you object to us processing your personal data we will stop unless there are compelling legitimate grounds for the processing which override your interests, rights and freedoms or, the processing is for the establishment, exercise or defence of a legal claim.

For any of the above please write or email us at the address below in the first instance.

Your Right to Complain

You have a right to complain to the Information Commissioners Office if you feel there is a problem with the way John Heath (UK) Limited is handling your data.  Please contact https://ico.org.uk/concerns/handling/

Marketing

John Heath (UK) Limited take your privacy seriously and will only use your personal information to administer your account and to provide the products and services you have requested from us, or to send you information about other products and services that we believe may be relevant to you.

We will not use your information or share your information with any other company for marketing purposes without your prior consent.  If you wish to unsubscribe from receiving marketing material at any time, please use the contact details at the bottom of this notice.

Contact Details

If you need any further information or need to contact us please write, telephone or email us at:

John Heath (UK) Limited

Arrowscroft, 142 Nantwich Road

Crewe

Cheshire

United Kingdom

CW2 6BG

Tel: 01270 252 252

Email: office@johnheath.com