Terms of Business

Privacy Policy

We are committed to Data Protection and we have implemented data security by design to keep your details safe.

This privacy policy explains how we use personal information we collect about you. The term ‘We’ or ‘Our’ refers to SG Chaseside Insurance Solutions which  is the trading name of  Simmons Gainsford Insurance Solutions Limited.

Simmons Gainsford Insurance Solutions Limited is incorporated in England and Wales Our registered number is 4016753.

Our Registered Office is at 14th Floor, 33 Cavendish  Square, London W1G OPW

We are authorised and regulated by the Financial Conduct Authority. Firm Reference Number 308487.

Our Information Commissioner’s Office Registration Number is Z6008858

What information do we collect about you

We collect information about you when you discuss your insurance requirements with us. This could be name, date of birth, address, contact details needed to fulfil an insurance contract and the financing thereof.

How will we use the information about you and Transfer of Data

We collect information about you to source appropriate cover for  your insurance requirements, manage your account with us and, if you agree, to contact you about other products and services we think may be of interest to you.

Your information may be transferred to any country, including countries outside of the European Economic Area (EEA), for processing, storage, administration or any other use. The purposes and processing associated with any such transfer will comply with all applicable data protection regulations, including the UK Data Protection Act, and with our obligation to adequately protect and secure your personal information. Where required under applicable laws we will take measures to ensure that personal information handled in other countries will receive at least the same level of protection as it is given in the EEA.

We will not share your data with any other third parties except for the legitimate interest of the fulfilment of the insurance contact.

How decisions may be made

Some insurers may use automated decision making and profiling in relation to your contract.

If you apply for premium finance via insurer’s direct debit schemes or Premium Credit Limited they may search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you. This and other information about you may be used to make credit decisions and undertake checks for the prevention and detection of money laundering.


We would like to send you information about our products and services which may be of interest to you. If you have consented to receive marketing, you may opt out at a later date. If you no longer wish to be contacted for marketing purposes, please contact

Email:  carin.johnson@sginsurance.co.uk

Telephone:  0203 096 2831

Access to your information and correction

We want you to be sure about your data rights, so here are the rights for individuals;

  • The right to be informed
  • The right of access
  • The right of rectification
  • The right to erase
  • The right to restrict processing
  • The right to data portability
  • The right to object

If you would like a copy of some or all of your personal information, or would like us to correct, update or remove information please email

compliance@sginsurance.co.uk or write to us at 4 Imperial Place, Maxwell Road, Borehamwood, WD6 1JN.

How Long Will We Retain Your Information

We will keep your data safe and retain it whilst we have a contract with you or as long as we are legally obliged to.

Changes to our privacy policy

We keep our privacy policy under regular review and make amendments as necessary. This privacy policy was last updated on 28 November 2018.

How to contact us

Please contact us if you have any questions about our privacy policy or information

The person in overall charge of Data Protection is Shilen Manek. Email; Shilen.Manek@sgllp.co.uk

Your Right To Lodge a Complaint

If you are unhappy with the way in which we have processed your data please contact us in the first instance and we will do all we can to rectify the situation. You also have the right to lodge a complaint with Information Commissioners Office: https://ico.org.uk

Cookies and Privacy Policy

Our website uses cookies! We use cookies for flawless functioning of the website. We use cookies on our website to improve the website’s usability / personalise the website for each user.

We use both session & persistent cookies as per the website / functionality requirement.

By using our website & providing your consent, you are agreeing to our cookies usage policy.

 About Cookies

Cookies are small files required to maintain user login session, easy & quick navigation, etc. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

Blocking cookies

You have option to block cookies on your browser. Most browsers allow you to refuse to accept cookies; for example:

  • in Internet Explorer (version 10) you can block cookies using the cookie handling override settings available by clicking “Tools”, “Internet Options”, “Privacy” and then “Advanced”;
  • in Firefox (version 24) you can block all cookies by clicking “Tools”, “Options”, “Privacy”, selecting “Use custom settings for history” from the drop-down menu, and unticking “Accept cookies from sites”; and
  • in Chrome (version 29), you can block all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Content settings”, and then selecting “Block sites from setting any data” under the “Cookies” heading.

Blocking all cookies will have a negative impact upon the usability of our website.

Deleting cookies

You can delete cookies already stored on your computer; for example:

  • in Internet Explorer (version 10), you must manually delete cookie files (you can find instructions for doing so at http://support.microsoft.com/kb/278835);
  • in Firefox (version 24), you can delete cookies by clicking “Tools”, “Options” and “Privacy”, then selecting “Use custom settings for history”, clicking “Show Cookies”, and then clicking “Remove All Cookies”; and
  • in Chrome (version 29), you can delete all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Clear browsing data”, and then selecting “Delete cookies and other site and plug-in data” before clicking “Clear browsing data”.

Deleting cookies will have a negative impact on the usability of many websites.

Behavioural Remarketing

Simmons Gainsford Group uses remarketing services to advertise on third party web sites to you after you visited our Service. We, and our third party vendors, use cookies to inform, optimise and serve ads based on your past visits to our Service.

Google AdWords remarketing service is provided by Google Inc.You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page https://ad.settings.goggle.com/authenticated .Google also recommends installing the Google Analytics Opt-out Browser Add-on for your web browser at https://tools.goggle.com/dlpage/gaopout. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page at https://policies.google.com/privacy.

Our Website Details

The website is owned and operated by Simmons Gainsford Group. You may contact us directly by filling our contact form – mail@sginsurance.co.uk

Terms of Business Agreement

The Financial Conduct Authority

The Financial Conduct Authority is the independent watchdog that regulates financial services.  Simmons Gainsford Insurance Solutions Limited is authorised and regulated by the Financial Conduct Authority.  Our FCA register number is 308487 and you can check our status at www.fca.gov.uk/register or by contacting the FCA on 0845 606 1234.

Our permitted business includes advising, arranging, dealing in and assisting with the placing and administration of all types of General Insurance policies.

Privacy Policy & General Data Protection Regulations

We have a Privacy Policy which can be viewed within our Compliance and Important Information Pack and also on our Website at www.sginsurance.co.uk

Our Service

We are an independent insurance intermediary, who acts on our customers’ behalf in arranging insurance. We will advise you separately prior to the commencement of each contract if this alters. Our services include: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you need to make. As part of the service, we will assist you with any claim you need to make and tell you what your responsibilities are in relation to making claims. If you mislay your policy at any time, we will issue a replacement policy document, if you request it.

Whose products we offer

We usually offer advice from a range of insurers, representing a fair analysis of the market, however, under certain circumstances we may only deal with a limited panel, or single insurer. There may also be occasions where we recommend a product from an insurer with whom we hold a Delegated Underwriting Authority. In these cases we act as agent of the insurer and in all cases we will confirm, for each individual policy we provide you with, the basis of our advice. In certain circumstances we will use the services of another intermediary to place your insurance and in these circumstances we will advise you of this fact together with confirmation of the name of the risk carrier in the form of “underwritten by”.

The service we will provide you with

We will advise and make a recommendation for you after we have assessed your demands and needs. Our advice will be confirmed in a demands & needs and suitability statement, giving reasons for our recommendation. In respect of Legal Expenses/Motor Breakdown policies you will not receive advice or a recommendation from us and you will then need to make your own choice about how to proceed. When a policy falls due for renewal, we will review the terms offered by your current insurer and if in our opinion and experience, these terms remain competitive, we will not automatically carry out a full market review of your policy. If a full market review is carried out, this will be confirmed to you in writing.

What you will pay for our services

We usually receive a commission from the insurer with whom we place your business. We also receive commission for arranging finance agreements for the payment of premiums and we may also receive commission or fees for passing introductions to other professionals. In addition, we normally make the following charges to cover the administration of your insurance:

Arranging new policies/renewal/mid term adjustment                                                   £ 00

Mid term cancellations and other refunds are refunded NET of commission. We may, in addition, charge a £ 00 administration fee.

Replacement/duplicate certificates or cover notes                                                            £ 10

Payment by Credit Cards                                                                                                        £ 00 (We do not accept American Express)

Personal lines/Retail policies cancelled during the ‘Right to Cancel’ period will be subject to an administration charge of £25, in addition to the premium charged by the insurer for the period of cover provided.

Occasionally we may arrange a policy on which we earn no commission (a ‘net-premium policy’) and in these cases we will advise you of the arrangement fee before you take the policy out. Specific charges, which apply to individual policies will be advised to you prior to the commencement of each contract applicable to that policy. The specific charge and purpose of any additional charges will always be advised to you in advance.

What to do if you have a complaint

Our aim is to provide a first class service, however, if you wish to register a complaint, please contact us by writing to Carin Johnson, Complaints Manager, Simmons Gainsford Insurance Solutions Ltd , Unit 4 Maxwell Road, Borehamwood, WD6 1JN  or, by phone Telephone 0203 096 2830..

We will provide you with a copy of our full complaints procedure and respond to you promptly. We will keep you informed of the progress of your complaint and aim to make a final response to you within eight weeks, or keep you informed as to why this is not possible. In the event that your complaint relates to activities or services provided by another party, we will ensure that your complaint is appropriately forwarded in writing, and will track the progress of the complaint and responses of that party.

After our final response has been issued, if you still cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, for an independent assessment and opinion.

The FOS Consumer Helpline is on 0845 080 1800 and their address is:

Financial Ombudsman Service
South Quay Plaza, 183 Marsh Wall, London, E14 9SR

Your Right to Cancel (Applicable to Consumer customers only)

You have a legal right to cancel your policy for any reason, subject to no claims having occurred, within 14 days of receiving the full terms & conditions. You will always be advised where this Right applies. A charge will apply for the period of cover provided and, in addition, we make an administration charge as detailed above.

If you wish to cancel a policy you must advise us in writing, prior to expiry of the 14-day cancellation period, to our usual office address.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the Financial Services Compensation Scheme (FSCS).  You may be entitled to compensation from the FSCS if we cannot meet our obligations.  This depends on the type of business and the circumstances of the claim.  Full details and further information are available from the FSCS.. The FSCS is the UK’s statutory fund of last resort for customers of authorised financial services firms, like ourselves. The FSCS can pay compensation if an authorised firm is unable or likely to be unable to pay claims against it, usually because it has gone out of business or is insolvent.

Insurance advising and arranging is covered for 90% of the claim without an upper limit. For compulsory insurances (for example, motor insurance and employers’ liability insurance), insurance advising and arranging is covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the FSCS.

Payment Options

We normally accept payment by guaranteed cheque or the following credit/debit cards – Visa, MasterCard, Maestro. You may be able to spread your payments through insurers’ instalment schemes or a credit scheme, which we have arranged with an established insurance premium finance provider. We will give you full information about your payment options and the appropriate finance agreement when we discuss your insurance in detail.

Please Note: Your policy cover will cease if you fail to keep up payments on an instalment agreement or premium finance facility related to it.

Language Used

The English language will be used for all communications, the contractual terms and conditions, and any information we are required to supply to you, before and during the duration of the contract.

Information on how we treat Payments You make to Us

Under the terms of our agreements with the Insurance companies with whom we place business, we normally receive premiums you pay to us as Agent of the Insurer, where you have the additional protection of insurance companies accepting that monies paid to us are treated as being received by them (Risk Transfer) This premium is paid into a Non Statutory Insurer Money Account.. All other insurance premiums you pay to us are protected in a Statutory Trust Client Account until we pay insurers. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance.

Your Duty to Give Information (Fair Presentation of Risk)

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. It is important that you ensure that all statements you make on proposal forms, statements of fact, claim forms and other documents are full and accurate. Please note that if you fail to disclose any information or change in circumstances to your insurers which could influence the cost, or their decision to accept your insurance, this could invalidate your insurance cover, and could mean that part or all of a claim may not be paid.

Limit of Liability

This clause restricts the amount that may be recoverable because of our negligence. Other than injury or death of any person (for which no cap on liability will apply), our liability to you for the services we provide shall not exceed £1 000 000 about any one event or connected events.

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