About Us
Central Accident Management Services Limited is an claims management company. Central Accident Management Services Limited registered within the UK under the following address: 25-39 Small Heath Highway, Small Heath, Birmingham, B10 0EU under registration 10185432. Central Accident Management Services Limited are authorsied and regulated by the Financial Conduct Authority (FCA). Our Registration Number is 461286. We are a credit broker. We do not have contractual rights with insurers. We may ask you questions to narrow your demands and needs to ensure your claim is dealt with correctly and fairy. You can check all details stated above on the FCA’s registered by visiting https://register.fca.org.uk/s/ or by contacting the FCA on 0800 111 6768 or 0300 500 8082.
Important Information (consumer customers only)
Under the Consumer Insurance (Disclosure and Representation) Act 2012 it is your duty as a consumer to take reasonable care not to make a misrepresentation to any insurer. Under the act, a consumer is defined as an individual who enters into an contract wholly or mainly for purposes unrelated to the individual’s trade, business or profession.
A failure by the consumer to comply with the insurers request to confirm or amend particulars previously given is capable of being a misrepresentation for the purpose of this act. It is important that you ensure all statements you make on proposal forms, claim forms and other documents are full and accurate and we recommend that you keep a copy of all correspondence in relation to the arrangement of your insurance.
Under the act an insurer has a remedy against a consumer in respect of qualifying misrepresentations in breach of the consumers’ duty of reasonable care where the insurer deems the misrepresentation to be either deliberate, reckless or careless. If in doubt about any point in relation to your duty to take reasonable care and subsequent qualifying misrepresentations, please contact us immediately.
The duty of fair presentation (non-consumer customers only)
It is your responsibility to provide a fair presentation of the insurance risk based on you conducting a reasonable search for information. This could require you to obtain information from senior managers within your organisation or other parties to which the insurance relates or who carry out outsource functions for your business.
You must disclose every material circumstance which you know or ought to know, or failing that, disclose sufficient information to put your insurer on notice that it needs to make further enquiries.
You must ensure that any information you provide is correct to the best of your knowledge and representations that you make in expectation or belief must be made in good faith. If you fail to make a fair presentation of the risk this may result in additional terms or warranties being applied from inception of the policy or any claim payment being proportionately reduced. In some cases this could result in your policy being declared void by an insurer and your premiums returned. Any deliberate or reckless breach of the duty of fair presentation could result in your policy being declared void by an insurer with no refund of premium. If in doubt about any point in relation to material circumstances and reasonable search please contact us immediately.
Financial Crime
Please be aware that current UK money laundering regulations require us to obtain adequate information about you. We are also required to cross check you against the HM Financial Sanctions List as part of the information gathering process. We are obliged to report to the National Crime Agency and/or Serious Fraud Office any evidence or suspicion of financial crime at the first opportunity and we are prohibited from disclosing any such report. We will not permit our employees or other persons engaged by them to be either influenced or influence others in respect of undue payments or privileges from or to insurers or clients. We may cross check your details against credit reference agencies to comply with money laundering regulation.
Notification of Incidents and Claims
It is essential to notify us immediately of all incidents that may result in a claim against our insurance policy. You must do so whether you believe you are liable or not.
Any letter or claim received by you must be passed to us immediately, without acknowledgement. Only by providing prompt notification of incidents can your insurance company take steps to protect your interests. Your policy summary and/or policy document will provide you with details on who to contact to make a claim.
Claims payment will be made in favour of you. If you require a payment to be made to a third party then you must confirm the required payee name and details and provide a brief explanation for your request. Please contact us for guidance on claiming under your policy.
Cancellation of Insurance Policy – Consumer and Non-Consumer Customers
Our policy document will detail your rights to cancel your hire contract once you have taken it out, you may be entitled to cancel within 14 days of signing the agreement should you not with to proceed with the hire car.
This is often referred to as a cooling off period. Where you cancel the hire agreement you will be responsible for paying a charge to meet the cost of cover and hire car charges provided and administration expenses set by the company. To enable us to process your cancellation you must write to us or email. Please email claims@camna.co.uk / 25-39 Small Heath Highway, Small Heath, Birmingham, B10 0HR or call our office on 0121 766 7515.
Personal Information in accordance with the Data Protection Act
All personal information about you will be treated as private and confidential including if you decide to move to another provider, except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where law requires us.
Some or all of the information you supply to us in connection with your insurance claim may be passed to DVLA, insurance and other companies for underwriting, claims, premium collection or debt recovery purposes.
They will have access to shared claim databases and credit reference information. For taxi business, we may also validate your records with local authorities. Your data will be held in accordance with the General Data Protection Regulation (GDPR), under which you have a number of rights you can request such this as, subject access request, please see our Privacy Policy on our website. If you have any questions, please write to the compliance manager at rahul@camsna.co.uk . The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment in future. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, by requesting information in writing or over the phone.
Hire Vehicle Provisions
(a) The vehicle is fit for his purpose and undertakes to return it, and it’s accessories to the place on the date due back.
(b) The vehicle has been received the vehicle free from apparent defects or damage. (Except as indicated on vehicle check sheet)
(c) The Lessor has no liability in respect of any injury, loss or damage arising from the use of the vehicle, nor shall the Lessor be liable for any indirect loss or damage, or in case of consumers, damage which was not foreseeable by both parties.
(d) The Lessor shall not be liable for damages arising from defects of mechanical failure which are not attributable to any breach of the manufacturer’s warranty or any warranty implied by law to take reasonable care or exercise reasonable skill.
4. During the rental period the Hirer shall keep the vehicle and all accessories in his or any approved driver’s possession and free from legal process or lien and when not in use adequately protected and secured.
5. The Hirer and any driver shall ensure that the vehicle will not be used:
(a) For racing, pacemaking, rallying, speed testing, driving tuition or similar purpose or for propelling or towing any vehicle, trailer or other object.
(b) In any manner which might render void the insurance policy, or other contract of insurance.
(c) For any illegal purpose or in contravention of any legislation affecting the vehicle, its use or construction.
(d) By any person who:
(i) Is not licensed to drive the vehicle.
(ii) Is under 21 years of age or over 65 for non Private Hire/Hackney Use.
(iii) Is under 23 years of age or over 65 for Private Hire/Hackney Use.
(iv) Is under the influence of drink or drugs.
(v) Has given fictitious name, age and address.
(vi) Has not been approved by the Lessor as a driver.
(vii) Has been convicted of a motoring offence the details of which have not been disclosed in writing to the Lessor at the commencement of the hire, Outside England, Wales or Scotland without prior written consent of the Lessor.
6.The Hirer Charges:
(a) All Rental Charges.
(b) The excess amount in respect of each incident resulting in the damage to or loss of the vehicle, its accessories or any property left stored or transported in or upon the vehicle.
(c) All fines, court costs and administration fees incurred in relation to the vehicle by the Hirer or Lessor from the commencement of the Rental until the vehicle is returned to the Lessor, except where caused through the fault of the Lessor.
7. The Hirer shall compensate the Lessor in full on demand for any loss it suffers as a result or any damage to or theft of the vehicle including loss of revenue to the Lessor for the period during which the vehicle shall remain unavailable for rental by reason of such matter’s and any claims made by any persons in respect of the vehicle whilst it is in the Hirer’s custody. This clause applied whether the Hirer has insurance or not.
Complaints procedures
It is our intention to provide you with the highest possible level of customer service at all times. However we recognise that things can go wrong occasionally and if this occurs we are committed to resolving matters promptly and fairly.
Should you wish to complain you may do so via the following methods:
In writing to the Complaints Manager – 25-39 Small Heath Highway, Birmingham, B10 0EU
By telephone on 0121 755 7515
By e-mail at claims@camsna.co.uk
In person by visiting our office (see above for address)
Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). More information is available on request or on their website www.financial-ombudsman.org.uk Further details will be supplied at the time of responding to your complaint.
We are a firm that sell products online and are required to inform you of the availability of the online dispute resolution (ODR) platform to assist you if we are unable to resolve your complaint. This facility will direct you to the alternative disputes resolution (ADR) provider for the firm who in this case is the Financial Ombudsman Service (FOS) and you may therefore wish to contact them direct.
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme and you may be entitled to compensation from the scheme depending on the type of business and circumstances of the claim if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme at www.fscs.org.uk
Law and jurisdiction
This agreement shall be governed by the laws of England, Wales and Scotland and the parties agree herewith that any dispute arising shall be subject to the non-exclusive jurisdiction of the relevant court.
By accepting this terms of business agreement document, you are giving your consent for us to operate in this way.