The PSA Short-Term Insurance Scheme for motor, homeowners’ and household insurance is insured by Guardrisk and administered by PSG Insure Short-term Administration.
PSA Assist is available to clients on a dedicated line 24/7, for emergency and assistance services. It includes the following: roadside assistance, medical assistance, accident management, home assistance, towing and storage of your vehicle, and a driver service. Other product benefits included under your policy include car hire for 30 days and a tow-in service, even in the event of a mechanical break-down.
Treating customers fairly on short-term insurance
Outcome 1 – Culture and Governance
Customers can be confident that they are dealing with a firm where it is central to the corporate culture to treat customers fairly. A client’s impression is shaped by their personal interaction with the company.
Outcome 2 – Products and Services
Products and services marketed and sold in the retail market are designed to meet the needs of identified customer groups and targeted accordingly. This impacts anyone involved in product development, marketing, sales and client interaction. How do we make sure this outcome is achieved? Our people know our product and ensure it serves the needs of our clients. Please refer to your policy wording and policy schedule or contact your short-term insurance adviser to discuss any uncertainties. You will find your short-term insurance adviser’s information on your policy schedule.
Outcome 3 – Disclosure
Customers are provided with clear information and kept appropriately informed before, during and after the time of contracting. This impacts anyone who communicates with customers via letters, newsletters and day-to-day emails. It also includes marketing and advertising material such as brochures, sales aids, pitch presentations and any advertisements we place in the media. How do we make sure this outcome it is achieved? We always provide you with contact details on all documentation provided to you. Your short-term insurance adviser’s information is also available on your policy schedule.
Outcome 4 – Suitable Advice (and Sales)
Where customers receive advice, the advice is suitable and takes their circumstances into account. This impacts all our advisers and all support staff who play a role in how advice is given. How do we make sure this outcome it is achieved? We complete annual policy renewals and communicate these to our clients.
Outcome 5 – Performance and Services Against Expectations
Customers are provided with products that perform as they have been led to expect, and the associated service is both of an acceptable standard and as they have been led to expect. This impacts all of our advisers, all staff who communicate with customers (whether directly or indirectly) and anyone who plays a role in approving or monitoring product providers. How do we make sure this outcome is achieved? Please refer to the information about the product provider on your policy schedule or policy wording.
Outcome 6 – Claims, Complaints and Post-sale Changes
Customers do not face unreasonable post-sale barriers to change products, switch providers, submit a claim or make a complaint. This impacts anyone involved in product and business development, all our advisers, all staff who offer customer service and anyone involved in complaint resolutions. How do we make sure this outcome is achieved? Please refer to our complaints resolutions procedure and complaint line details provided in your policy schedule.
Should you need any additional assistance on the TCF Principals please contact us at TCF.firstname.lastname@example.org