Terms of Business


a) "We/us/our" means Just Hair Insurance (a trading style of ACM Broking Ltd) of Building Research Establishment, Bucknalls Lane, Watford, Herts, WD25 9XX.

b) "FCA" means the Financial Conduct Authority of 25 The North Colonnade, Canary Wharf, London, E14 5HS.


Just Hair Insurance is authorised and regulated by the FCA. Our FCA Register number is 300686 Our permitted business is Independent Insurance Intermediary. You can check this on the FCA's Register by visiting the FCA's website www.fsa.gov.uk/register or by contacting the FCA on 0800 111 6768.
3.Our Service

We are an Independent Insurance Intermediary and offer productsfrom a range of leading Insurers. Our service includes advisingand making recommendations for you after we have assessed your needs. We can also issue policies on behalf of certain Insurers.We act on your behalf in arranging your insurance.

4.Commission/ Charges

We receive commission from insurers for the arrangement or renewal of an insurance contract; commercial clients can request the level of commission received. We reserve the right to make charges in addition to any insurance premiums, for the arranging, amending, renewal, and cancellation of any policy of Insurance. The specific charge and purpose of any additional charges will always be advised to you in advance. Only Payments processed in £GBP (Great British Pound) are accepted.


If you wish to register a complaint please contact us in writing addressed to Mr Stuart Anderson, Managing Director, ACM Broking Ltd, address as above, or by telephone on 01923 894360. Your complaint will be acknowledged within 5 working days. Should the matter require lengthy investigation you will receive awritten response within 20 days and a final response within 40 days. If you are not satisfied with the outcome you may be entitled to refer it to the Financial Ombudsman Service. The Insurer also maintains a complaint procedure, details of which are contained in the policy.

6.Disclosure of Information

It is your responsibility to provide complete and accurate information to the 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 statement of facts, proposal forms, claim forms and other documents are full and accurate. Please note that if you fail to disclose any material information to your Insurers, this could invalidate your Insurance cover and could mean that part or all of a claim may not be paid. Please do consult us if you are in any doubt.

7. Freelance Policy/s

Our Freelance Insurance contract 'Just Hair' is a web based e-commerce trading platform.

Payment: Via our secure portal operated by Barclaycard and accepted in £GBP (Great British Pound) only

Documents: Automatically generated/ issued upon confirmation of premium payment with email link

Cancellation/ Refunds: Processed via your debit/ credit card, unless any cancellation charge other than when the policy is subject to a claim, where no return/ refund will be processed


With your consent we reserve the right to retain certificates at this office until all payments due under the policy have been made. Any agreed facilities for payment of premiums by instalments through us will be the subject of a written agreement, which will include authority to retain certificates of Insurance until all payments have been received. By accepting this agreement you agree the delivery of any certificates of Insurance to us shall constitute delivery to yourselves in accordance with statute law. Should we withhold any documents we will ensure you receive full details of theinsurance cover.


Unless required by law, public interest, virtue of our being members of the FCA or you give your consent all information you supply will be kept confidential to us and the Insurers with whom the policy is placed.

10.Professional Indemnity

We conform to the FCA requirements in respect of Professional Indemnity Insurance.

11.Awareness of Policy Terms

When a policyis issued you are strongly advised to read it carefully, as it is that document, the schedule, and any certificate issued that is the basis of the Insurance contract you have purchased.


If there is occasion to claim on the policy you must notify us immediately. We will promptly advise you, and if appropriate, issue a claim form and pass details to your Insurer. You should not admit liability or agree any course of action, other than emergency measures, until you have agreement from the Insurers.


Unless otherwise agreed Quotations will be valid for a period of thirty (30) days from the date provided.


Insurers pass information to the Claims and Underwriting Exchange run by Insurance Database Services Ltd and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers.

15.Financial Services Compensation Scheme

We are covered by the 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. For compulsory classes ofinsurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements are available from FSCS.

16.Cancellation Rights

A customer has the right to cancel a policy, in writing, within 14 days of receipt of the policy documents or contractual terms and conditions, and sent to Just Hair Insurance by first class post, fax or e-mail. The Insurer will refund any monies already paid no later than 30 days after the date on which it received the cancellation notification, less any reasonable fee for services/cover provided.


Unless otherwise agreed you will make full payment within seven (7) days of policy inception or twenty one (21) days for all other transactions. Only Payments processed in £GBP (Great Brotish Pound) are accepted

18.Client Money

"Client Money" is money held by us on behalf of our clients. We hold client money in a non-statutory account. We also keep client money separate from our own money


Any bespoke documentation issued by Just Hair Insurance is a snapshot/ summary and shall not be deemed to replace the full policy wording issued by the Insurers; other than Freelance 'Just Hair' policy

20.Sums Insured/ Declarations

It is your responsibility to ensure that your sums insured are accurate and correct. Under the terms of your insurance policy, insurers are able to reduce or even refuse to meet a claim payment where it is discovered that sums insured declared to them are inadequate. Similarly, insurers may also be able to avoid policies where declarations submitted are inaccurate. We are unable to accept any liability arising from the inadequacy of your sums insured or as a result of any financial information that you have provided.

21.Assignment of Claims

In the event that any of the conditions of this agreement are breached, you, hereby agree that any claims payments or return premiums due from insurers may be assigned to Just Hair Insurance to offset any shortfall on your account.