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Welcome

For over 45 years Alexander McNicoll (Insurance Brokers) Ltd have been providing a Trusted, Friendly, Local service to communities in Bathgate and the surrounding area.

We pride ourselves in delivering quality products and we aim to provide all our customers with competitive prices and a first class service at all times.

We are independent Professional Insurance Brokers.We are authorised and regulated by the Financial Conduct Authority (registration number 305458)

Full Company Name : Alexander McNicoll (Insurance Brokers) LimitedRegistered Office Address :          6 Mid Street, Bathgate, West Lothian, Scotland EH481PR. Registered No : SC051220

Please refer to your policy documents if you wish to make a claim on your policy.

***Covid - 19 - Important Information***

 Important - Clients experiencing financial difficulties

On the 18th May 2020, the Financial Conduct Authority introduced new measures for insurance and premium finance firms to help clients in financial difficulty.  Should you be experiencing financial hardship, or if things change at work or home, we may be able to help by:

  • · Re-assessing your demands & needs
  • · Reviewing levels of cover
  • · Adding or removing optional covers such as legal expenses
  • · Adding or removing people on your policy

Where amendments to your insurance cover does not alleviate your payment difficulties, you should contact your finance provider directly as further support may be available, which could potentially include:

  • · The possibility of deferring payments (refer to FAQ’s)
  • Reduced repayments, or rescheduled term
  • Waiving missed or late payment fees
  • Amending your repayment date without any cost
  • · Reducing interest payments

It is important that customers do not leave themselves uninsured, so we encourage you to contact us to discuss the options available if you are struggling to afford your payments during this uncertain time.

Please see our FAQ’s on Payment Deferrals

Q - What is a payment deferral?

A – A payment deferral is an arrangement under which a firm permits a customer that pays their insurance premium in instalments to make no payments for a specified period

Q – How do I apply for a payment deferral?

A – You should contact your insurer or finance provider direct

Q – If I am granted payment deferral, will I be classed as being in arrears on my payments?

A – No, nor would the provider or any third party such as broker or debt collector be allowed to cancel the policy or collect payment during the deferral period

Q – How long can I defer payments?

A – One to three months however, the provider can grant a longer extension should they wish

Q – Will I have to pay a fee?

A – The Financial Conduct Authority (FCA) would not expect a customer to be liable to pay any charge or fee in connection with the granting of a payment deferral 

Header - Post and paper-based documents

We continue to handle all post (incoming and outgoing), and paper-based documents such as proposal forms, as quickly and efficiently as possible to ensure they are processed in a timely manner to safeguard policy cover. Should you have any concerns about instructions or documents you have sent which may not have been processed, or documents you believe you are due from us, please contact us urgently.

 


 

 

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