Ross-Gower Group Limited Terms & Conditions

Who we are Ross Gower Group Limited ("Ross Gower") is a Guernsey registered Company No 20027. Licensed by the Guernsey Financial Services Commission to advise on all classes of General Insurance Business. Ross Gower Group Limited is regulated in Jersey by the Jersey Financial Services Commission in the carrying on of general insurance mediation business.
Our registered office is: PO Box 2, Insco House, The Rohais, St Peter Port, Guernsey, GY1 3AA. All telephone calls are recorded and any charges for calls made to Ross Gower, including from landline and mobile phones, will vary depending on your network rate.

Explanation of our service Our service includes helping you determine your insurance needs, arranging your insurance cover with various insurers to meet your requirements and helping you with any ongoing changes you have to make. As part of our service we will also assist you with any claim you need to make. In arranging your insurance we deal with a number of insurers, details of these will be advised to you when we discuss your individual requirements, prior to your commitment to proceed.

Scope of Advice Ross Gower is licensed to advise on General Insurance Products.

Market Security We offer placement of insurance with regulated insurers / companies, using public information, including that produced by recognised rating agencies. However we will not in any circumstances act as an insurer nor will we guarantee solvency of any insurer or market used for your requirements. The decision regarding the suitability of any insurer or market rests with you.

If your insurance cover is placed via another insurance intermediary located outside Guernsey, your premium may be passed to that intermediary, your premium may be treated differently than it would be if it were held by an insurance intermediary in Guernsey.

Your duty to give information to Insurers Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate and that any facts which may influence the insurer’s decision to accept the risk or terms offered have been disclosed. The duty to disclose information continues during the life of the policy and at renewal, you must make sure you inform your insurer of any changes affecting your insurance.

You are responsible for all answers or statements on proposal forms (including Sums Insured), claim forms or other material documents and you should ensure these are full and accurate.

Failure to disclose material information at the start of the policy or to advise the insurer of changes to the risk during the period of insurance may invalidate your insurance cover and could mean that part or all of a claim may not be paid.

Law Applicable As parties to the insurance contract, you and the Insurer have the right to choose the law applicable to it.

In the absence of a specific agreement, the law of the country within the UK and Channel Islands, in which you reside when the contract is concluded, will apply.

Confidentiality All personal information about you will be treated as private and confidential (even when you are no longer a customer) except where the disclosure is made at your request or with your consent in relation to arranging your insurance or where we are required by law.

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and / or in a paper file and may be passed to insurance companies for underwriting and claims purposes. Please refer to our Privacy Notice which explains your rights in relation to personal information provided to Ross Gower. In addition we may use some of the information to advise you of other products and services offered by insurance companies, and may pass details to other carefully selected companies whose products and services we feel may be of interest. If you do not wish to receive such details please contact the Manager at our registered office address.

We may pass information about you to credit reference agencies for the purpose of arranging payments by instalments, and may also pass to them records of your payment history with us. Your Insurer may exchange information about you with other insurance companies for underwriting and claims handling purposes.

Under the Data Protection laws of Guernsey you have the right to request access to personal information about you that is held in our records and ask us to correct any inaccuracies. For more information write to the Manager at our registered office.

Conflicts of Interest We offer an independent brokering service, but occasions can arise where we, or one of our other clients, will have some form of interest in business that we are transacting for you. If this happens, or we become aware that our interests conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may also be situations where the interests of one of our other clients conflict with your interest, in which case we will use our best endeavours to act as fairly as possible between our clients.

Charges Ross Gower Group Limited receives various levels of commissions when arranging and renewing insurance policies on your behalf. It is our normal policy to make administration or other charges in certain cases. Where a charge is payable, you will be advised before you commit to the insurance.

The following scale of charges will apply;

Charge Maximum Charge  
New policy or renewal administration charge £8 or up to £50 Non refundable
Household Legal Protection £17 Non refundable
Motor Legal Protection £12 Non refundable
Marine Legal Protection £18 Non refundable
Commercial Legal Protection Variable Non refundable
DAS Breakdown Cover £45 Non refundable
Mid Term Adjustment Administration Charge £16 Non refundable
Mid Term Cancellation Administration Charge* £16 Non refundable
Mid Term Cancellation Administration Charge (Motor) £16 + £25 Insurer Charge & Pro Rata Time on Risk
Returned Cheques £20
Duplicate Certificates £14
Duplicate Windscreen Discs £14
Premium Instalments Loan Service % of annual premium (Prevailing rate at time of inception or renewal) Non refundable

* Plus Retention of the full annual commission received at our discretion

Payments by Instalments Ross Gower offers a monthly instalment facility to its clients for which a surcharge is made. (may vary from time to time). Full details of the cost including the APR will be provided prior to the issue of documentation. Clients wishing to pay by instalments may be subject to credit checks. Any prior payment history with Ross-Gower Group will be taken into consideration. We may refuse payment by our instalment plan if payments to us have been missed, are still owing or have been late. We also reserve the right to deduct any amount owing on our monthly payment plan from any relevant claim settlement amount to you.

Claims In the event of any incident which could give rise to a claim you must tell us as soon as possible. If you do not, an insurer may refuse to deal with your claim or reduce the amount that you receive from them. We will help you to obtain settlement from insurers. In the event that an insurer becomes insolvent or delays making settlement we do not accept liability for any unpaid amounts. All incidents must be notified whether you believe you are liable or not.

Client Monies & Interest earned on them All Client monies held in relation to General Insurance premiums are held in a separate client account and the monies held are at the risk of the insurers. Any bank interest earned on your premium (insurance money), while it is held on our Insurance Broking account, will be retained by us. In the event of this being greater than £20 per transaction we will obtain your consent to retain this interest.

Complaints It is our intention to provide a high level of service at all times. If however you have reason to make a complaint about our service, we have internal procedures for handling complaints fairly and promptly. In the first instance you should contact- The Manager, Ross-Gower Group Limited, PO Box 2, Insco House, The Rohais, St Peter Port, Guernsey GY1 3AA

Our procedure Your complaint will be acknowledged within 5 Business days.

Whenever possible your complaint will be dealt with within 20 working days and if compensation or redress is felt appropriate details of this will be provided with full reasons for the decision. If it is not possible to respond to your complaint within 20 business days you will be advised of the reasons in writing and given a note of when you may expect a final response.

If you are dissatisfied with our response, please follow the complaints procedure in your policy booklet. If your complaint is of a regulatory nature you may write to the - The Channel Island Financial Ombudsman, PO Box 114, Jersey JE4 9QG.

Debit / Credit Cards payments
Your card will be stored by our partner company Global Payments for the purposes of taking instalments, premium change, additional charges or refunds.

Ross-Gower Group Limited Internet Terms & Conditions
May 2019

The agreement
By using our website you are agreeing to these Terms and Conditions so that we can deliver to you the cover you require as providers of contracts of insurance. If you do not agree to these Terms & Conditions, please do not use our website. If you are unsure about any aspect of these Terms & Conditions or have any questions regarding our relationship with you, please contact us.

The company
Ross Gower Group Limited ("Ross Gower") is a limited company registered in Guernsey, registration number 20027. Our registered office address is PO Box 2, Insco House, The Rohais, St Peter Port, Guernsey, GY1 3AA. We are licensed by the Guernsey Financial Services Commission (GFSC) to advise on all classes of General Insurance. You can check this on the GFSC's Register by visiting the GFSC's website or by contacting the GFSC on 01481 712706. We are also regulated by the Jersey Financial Services Commission ("JFSC") to carry on General Insurance Mediation Business.

Your responsibilities
We will provide you with a quotation based on the information you have provided to us. It is essential that all information and answers are true and accurate and that you also disclose all relevant facts. If you do not provide accurate information and disclose all relevant facts this could lead to your insurance being invalid and claims may not be paid. If your insurance is invalid, you could also be liable for any third party costs in the event of an accident. Neither we nor the insurance company checks the information you input into our website so you must check it. If your information is not correct, or if you have failed to disclose all material facts, your insurance may be invalid and claims may not be paid. It is important that you read the insurance company's Terms and Conditions to check that you understand and agree with them. The insurance company's Terms and Conditions are not the same as ours and there will be the terms which you will be agreeing to when accepting a quotation. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your insurance.
We do not accept any responsibility to you if your insurance is invalid because you made a mistake in providing the correct information or if you failed to disclose material facts to us or to the insurer.
If you have any doubt whether further information about you, not requested during the Ross Gower service, is required to be disclosed to the insurer or, please contact Ross Gower before you accept the quotation.

Privacy Statement

Ross Gower has a Privacy Notice ("Notice") in place. This Notice has been adopted because we want you to feel confident about the privacy and security of your personal information entered on our website. We follow strict security procedures in the storage and disclosure of your information as required by law. Our security procedures mean that we may ask for proof of your identity before we will disclose information about you, or to you, be this on our website over the telephone, by email or facsimile or by any other means of correspondence.

Cookies and IP addresses
Cookies are small text files placed on your computer and are commonly used on the internet. They allow us to make our website more useful based on stored information about your preferences when you visit us. We do not store cookies beyond such interaction. If you choose to, you can set your web browser to reject cookies from our service, although you may not be able to experience the full service we provide if cookies are disabled. Further information can be obtained from the Interactive Advertising Bureau, an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.

Your IP address is a series of numbers which identify a computer on the internet. We use IP addresses to help diagnose possible service interruptions and administer our service and website.

Please see our Privacy Notice and Cookie Policy for further details.

Our liability

We are not responsible to you for:-

  1. any losses you suffer because the information you put into our website is inaccurate or incomplete;
  2. any losses you suffer if you fail to disclose all relevant facts to the insurer;
  3. any losses you suffer because you cannot use our website for any reason;
  4. any losses you suffer through connecting to any linked third party websites;
  5. any statements, information, content, products or services that are published on, or may be accessible from, any linked third party website and we do not guarantee that they are free from viruses or anything else that could be infectious or destructive;
  6. if our website is unavailable at any time or for any period;
  7. any errors or omissions in our website;
  8. any losses you may suffer by relying on any commentary or postings on our website;
  9. any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it;
  10. the privacy policies and practices of other linked third party websites, even if you access them using links from our website;
  11. any unauthorised access or loss of personal information that is beyond our control.

Accessing our website
Access to our website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our website without notice (see below). We will not be liable if for any reason our website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of our website, or our entire website, to users who have registered with us (if applicable).

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms & Conditions of use.

You are responsible for making all arrangements necessary for you to have access to our website. You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these Terms & Conditions, and that they comply with them.

Call Monitoring or Recording
Monitoring or recording of your calls, emails, text messages and other communications may take place in accordance with Guernsey law, and in particular for business purposes, such as for quality control and training; processing necessary for the entering into or the performance of a contract; to prevent unauthorised use of our telecommunication systems and websites; to ensure effective systems operation; to meet any legal obligation; in order to prevent or detect crime; and for the purposes of the legitimate interests of the data controller. Please visit the following websites for further information:, and

Call charges
All providers charges, including calls from landline and mobile phones, will vary depending on your network rate.

Other important information
Intended use
This website is intended for use by Channel Island and Isle of Man residents only and due to this, applications from non-Channel Island residents will, unless otherwise stated, not be accepted. These Terms and Conditions shall be governed by and interpreted in accordance with the Laws of the Bailiwick of Guernsey.

Website content
We have taken every step to ensure the information contained and displayed on our website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete content from the website at any time.

Commercial use
Please note this website is for non-commercial, personal use only (which means for use by an individual or for a business to source their own products and services).

Intellectual property
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. This includes, but is not limited to, all trademarks, logos, business names, trading names, design rights, database rights, copyright and any other intellectual property rights in our website. The website is protected by copyright laws and treaties around the world. All such rights are reserved save as expressly stated in these terms.

Viruses, hacking and other offences
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 or the Bailiwick of Guernsey equivalent. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.

We reserve the right to amend our Terms and Conditions at any time. The amended terms will be effective from the date they are posted on our website.

These terms of trading are subject to Guernsey law and to the exclusive jurisdiction of the Bailiwick of Guernsey. You acknowledge that by providing data to us, you consent to the processing of your data in accordance with our Privacy Notice and these Terms & Conditions.

Security Statement

Website security
We use the industry standard encryption technology to ensure that all your personal and transactional information is encrypted before transmission. To check that you are in a secure area of our website look at the bottom of your browser and you will see a closed padlock. All this technology and our policies are to safeguard your privacy from unauthorised access/improper use and we will continue to update these measures as new technology becomes available.

Third party site security
We cannot be responsible for the privacy policies and practices of other websites, even if you access them using links from our website and recommend that you check the policy of each website you visit.

Passwords (if applicable)
In order to provide you with maximum protection, we ask you to choose a password to access your data on our website. Your password is unique to you and helps us to protect your personal information. You must keep this password safe and must not disclose it to anyone. Please contact us if you want to change your password for any reason.

Be aware
Please be aware that communications over the Internet, such as emails/webmails, are not secure unless they have been encrypted. Your communications may route through a number of countries before being delivered - this is the nature of the World Wide Web/Internet. We cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.