0330 100 0712 • claims@specialty-risks.com
Specialty Risks Limited is the claims administrators for your DSA insurance policy. We are responsible for processing and assessing your claim on behalf of the Insurer. For more information about how we process your data please read How we use your information.
Please ensure you complete all sections fully as your claim may be delayed if we need to contact you for further information.
All claims must be referred to us before you arrange for your equipment to be repaired or replaced. If you don’t contact us beforehand, you may invalidate your claim.
If you are unsure about which option to choose, please select the description you believe is correct. If we need any additional information following your claim submission we will contact you.
0330 100 0712 (local rate call) • claims@specialty-risks.com
Monday to Friday 09.00 to 17.00
Please take the time to read the Insurance Product Information Document. This document provides a summary of your cover. :
We cover the following types of claim:
Also:
Like most insurance policies there are some things we can’t cover. Please ensure you read the “What is not Covered” section of the policy document for full details. We’ve summarised some of the most important things you need to know here:
Unfortunately, we can’t pay your claim in respect of:
The Specialty Risks claims team will assess your claim on behalf of the Insurer.
If we need to ask you for more information, we will contact you using the telephone or email details you give us when you make your claim.
For Accidental Loss claims you will need to send us your Lost Property reference number from the Police or relevant local authority.
For Theft claims you will need to send us your Crime Reference number from the Police or relevant local authority.
If you have any repair receipts or photographs of the damage to your Radio Aid System or property please also provide these to us during the claim process.
If your claim has been approved, we will let you know that you can either purchase a replacement transmitter, receiver or total Radio Aid System or we will order one for you. Where you purchase the replacement, we will ask you to then invoice us for the cost of the replacement. Where you are registered for Value Added Tax (VAT), we will settle the amount net of (VAT).
This policy is for schools who want their pupils/users of Radio Aid Equipment to be able to use those systems away from the school’s premises.
The policy is not suitable for individuals or people who want to insure their personal Radio Aid System.
Only a representative of the school who has the authority to do so may complete an application.
Only Radio Aid Systems that meet the following criteria will be accepted by us (unless we agree otherwise following your application):
Please take the time to read the Insurance Product Information Document. This document provides a summary of your cover. :
We cover the following types of claim:
Also:
Like most insurance policies there are some things we can’t cover. Please ensure you read the “What is not Covered” section of the policy document for full details. We’ve summarised some of the most important things you need to know here:
Unfortunately, we can’t pay your claim if:
The Specialty Risks claims team will assess your claim on behalf of the Insurer.
If we need to ask you for more information, we will contact you using the telephone or email details you give us when you make your claim.
For all claims you will need to send us the proof of purchase.
For theft claims you will need to send us your Crime Reference number from the Police.
If you have any repair receipts or photographs of the damage to your equipment or property please also provide these to us during the claim process.
If your device suffers accidental damage or breakdown we will ask your chosen Assistive Technology Service Provider (ATSP) to contact you and arrange for a courier to collect the damaged equipment for inspection.
Your ATSP will then provide us with a quotation for repair. Once we have approved your claim we will ask your ATSP to repair your equipment.
If for any reason your claim is not covered under the policy one of the Specialty Risks claim team will contact you to let you know what your options are.
If your equipment is stolen we will ask your ATSP to quote for a replacement. When your claim is approved, we will ask your ATSP to send your replacement equipment to you.
If you had assistive software on your original equipment, your ATSP will make sure this is installed before they send your replacement equipment to you.
We will pay the repairer for the repair or replacement of the equipment. You won’t have to pay anything towards the cost of your claim.
You may only apply for this insurance if You have applied and been accepted for a DSA allowance and have your DSA2 letter.
The Assistive Technology Service Provider supporting you must also have installed your assistive software on to your primary equipment. Please note you may not be reimbursed until the assistive software has been installed on your primary equipment.
Only equipment that meets the following criteria will be accepted as standard by us (unless we agree otherwise following your application):
Following your application if we’re not sure if we can cover your equipment, we may ask your Assistive Technology Service Provider to carry out a health check on your equipment just to make sure.
We are Specialty Risks Limited and this document gives you important information as to how we deal with you and your insurance. This document must be read in conjunction with your insurance documents. We recommend you read it carefully and keep a copy of this document with your insurance documents.
We are incorporated in England and Wales with registered number 6751834. We are authorised and regulated by the Financial Conduct Authority. Our registration number is 771865. You may check this information and obtain further information about how the Financial Conduct Authority protects you by visiting their website www.fca.gov.uk.
We are an insurance intermediary, meaning we arrange and administer insurance policies on behalf of insurers.
Our registered office is 100a High Street, Hampton, TW12 2ST
Our day-to-day contact details are:
Address: 36 Central Avenue, West Molesey Surrey KT8 2QZ
Telephone: 0330 100 0712 (local rate call)
Email: admin@specialty-risks.com
We will only offer you DSA Student Protect insurance policy from AmTrust Europe Limited. We provide this under an agreement with the insurer which allows us to provide you with a quotation, confirm cover and issue policy documents to you. We also settle claims acting on behalf of the insurer.
We collect premiums on behalf of the insurer acting as their agent.
Copies of policy documentation can be obtained by contacting us.
We review the position of the insurer periodically to ensure they still meet the requirements of our customers.
We will ask you some questions to ensure that your risk is one covered by the insurer and to inform you about available cover options. We do not provide you with a personal recommendation.
You will not receive advice or a recommendation from us in respect of DSA Student Protect insurance. We will provide you with all of the key information in order that you can make an informed decision about the suitability of the product based upon your demands and needs.
In general terms, DSA Student Protect insurance is suitable for university students who have applied for and been accepted for a DSA grant. You must have received your DSA2 letter to be eligible.
DSA Student Protect is suitable for DSA who students who purchase their own equipment who wish to protect their equipment against theft, accidental damage and breakdown whilst they have cover under the policy. You must make your own decision as to whether this insurance meets your own needs.
You must answer any questions we or the insurer ask you in connection with your insurance truthfully and to the best of your knowledge and belief.
Premiums are normally quoted inclusive of UK Insurance Premium Tax at the prevailing rate. Any other costs or fees with be detailed in your quotation. Once we have collected your premium we will provide you with documentation to enable you to claim the cost of your insurance and warranty out of your DSA grant.
We are paid for our services principally by way of a brokerage commission paid to us by the insurer as a proportion of the premium you pay. In addition, we may receive expense allowances from insurers for managing and administering certain facilities on their behalf.
We collect and process personal data from you in accordance with the current Data Protection laws and regulations. The personal data we may collect from you, such as your name, address and financial details are necessary to provide you with our services. These include negotiating, maintaining or renewing insurances and handling insurance claims. At times, the provision of our services may necessitate the disclosure of your information to associated companies, insurers, partners, agents and our professional advisers. Such employees, contractors and agents who access to your personal data are required to keep that information confidential and are not permitted to use it for any other purpose.
Our aim is to provide the highest level of service to You at all times in dealing with all aspects of Your insurance. We do, however, realise that things can go wrong occasionally. If You feel We have not achieved Our aim, please inform Us. Your feedback enables Us to monitor and improve the service We provide.
In the first instance, please contact Specialty Risks’ Managing Director at Specialty Risks, 36 Central Avenue, West Molesey, KT8 2QZ
Please ensure that You quote Your policy number in all correspondence and enclose any evidence or documentation that You wish to be considered in reviewing Your complaint.
We will do our best to resolve Your complaint quickly and with the least inconvenience to You and within the following timescales:
We will acknowledge the complaint within two working days of receipt.
We will aim to resolve the complaint within five working days.
If further investigation is required, we will aim to resolve the complaint within four weeks of receipt.
If we are unable to resolve the complaint within these timescales we will write to You to let You know why we have not been able to do so.
If You feel that You have not received a satisfactory response, or the complaint has not been resolved within eight weeks of Our receiving it, You may refer Your case to the Financial Ombudsman Service (the FOS), set up by the Financial Conduct Authority to review unresolved complaints.
The FOS can be reached at:
The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall, London E14 9SR.
Telephone 0207 964 1000
We are a member of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you may be entitled to compensation form the scheme, depending on the type of insurance and circumstances of any claim.
Further information about compensation scheme arrangements is available from the FSCS.
Financial Services Compensation Scheme
PO Box 300
Mitcheldean
GL17 1DY
Telephone: 0800 678 1100 or 020 7741 4100
Website: www.fscs.org.uk
This document can be made available in other formats on request.