Help

1	Membership of the AoR is automatic recognition of proper training and experience in Relexology. Therefore membership of any other organisation is not required and is accepted as sufficient evidence of a suitable training standard, qualification and experience. When you apply for a quotation please select AoR from the drop down list of organisations approved by the underwriters.
2	I am informed that you generally don´t charge anymore for additional therapies, is this the case?
3	I have renewed my policy but I still get reminders
4	I have recently qualified as a massage therapist - my course was 540 hours. I work in London. I am looking to buy insurance. I am reading the section on your website "acceptable qualification as set out on this site to undertake the practices you seek cover for" Please confirm my qualification is acceptable. I trained at an American school CRSMT.com which is very well established in the States. I could not find an english school to match the education there but hope this will not deter me from getting insurance?
5	I have got purchased insurance with yourselves and I need a reciept. How do I get one?
6	How can I view my Certificate or edit the contact data you hold?
7	Please may I have a copy of certificate and specimen policy, terms and condition, exclusions, etc.
8	I applied on line for an insurance certificate this evening for my hypnotherapy business. I tried unsuccessfully on several occasions to add my business name to the policy to no avail.
9	Please explain to me exactly what I am covered for
10	I have student cover - how do I upgrade it to Practitioner cover?
11	Why do you not send me anything? Is there no paperwork involved?
12	I have an error message and no quote - HELP
13	I am informed that you generally don´t charge anymore for additional therapies, is this the case?
14	What is the position regarding business condducted overseas?
15	I am both a student for one therapy and a practitioner for another - what is the position?
16	How do I renew my policy?
17	How do I apply?
18	What if what I seek cover for is not listed, or if my qualifications do not match those you set out as acceptable?

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1
Membership of the AoR is automatic recognition of proper training and experience in Relexology. Therefore membership of any other organisation is not required and is accepted as sufficient evidence of a suitable training standard, qualification and experience. When you apply for a quotation please select AoR from the drop down list of organisations approved by the underwriters.
2
It is quite correct that there is no additional charge for more therapies added to the cover. Some therapies have a different base premium, and the premium charged takes into account the "most expensive" one of the list selected. However the principle that we do not charge for additional therapies is absolutely correct.
3
I can confirm that your renewal policy has been properly issued. You should not receive further reminders.
4
We are building a list of those training schools that are appproved by the underwriters. Both UK and overseas based. If you let us know who you are qualified with, and in particular you say 540 hours - but where was that? The underwriters are very particular that this insurance is offered only to individuals where they know of and approve of the training standards. Please let me have details of the training establishments you have attended both here and abroad and I will endeavour to have that establishment added to our approved list.
5
A receipt is always available to you from the client only area. To do this you need to log in. You will find the log in link at the top right hand side of the front page of the site. The link below will take you there. You just need your Policy No. At the prompt enter your Policy No and Submit. An email will be sent to you with a link that will take you straight to the client only area. One of the options is to print a receipt. This facility is available 24/7
6
It is very straightforward to view your Certificate. Click the link at the bottom of this page and that will take you to the Home page of our website. At the top right hand side of the page you will see "Log In". Click that to go to the Log In page. Enter your policy No in the box and press ... Submit ... and our system will email a link to you together with instructions on how to use our system. Click on the link in the email and that will take you straight through to your personal details, one of the options is to view your Certificate.
7
Copy of Certificate:
8
The policy is issued to an individual to cover the individual. There is no facility to have a policy issued in the name of anything other than an individual. There is however the facility to add another to be named as covered for the actions of the individual. If you are an unincorporated business any claim would be made upon the individual, so you are likely to be properly covered.
9
In order to establish what you are covered for there is really only one very simple rule. As a rule the cover we provide protects you against the financial consequences of valid claims that arise as a result of your business activities - as set out on the proposal and then shown on the Certificate - up to the total amount agreed with the underwriter (up to £ 5,000,000 per claim). Please take particular notice of the words "business activities - as set out on the proposal and then shown on the Certificate". What that means is that you are covered for those activities - and it also implys that you are NOT covered for those activities NOT applied for and not shown. For every therapy we cover - there is a description. Whilst some of the therapies may have similar descriptive words to another, and sometimes one definition may be "close" to another, we do believe each definition properly describes the therapy. If you are ever in any doubt that one thing may mean another, please be in touch and we will provide a definitive answer. In no circumstances should you rely upon any comment or description, definition or interpretation other than one issued by us. We do not delegate or provide others (other than the underwriter) with the right to make decisions about this coverage or make definitive or reliable comment on what is, or what is not, covered in any particular circumstances. For every therapy we cover there is both a description and qualification requirement. In some cases membership of an organisation may provide sufficient evidence of training and qualification for prescribed activities, and also we do recognise certain training establishments. If we recognise a training establishment it means that we accept the passing of one of their appropriate courses as evidence of proper training and experience. Finally: If you are EVER in any doubt - please contact us for a definitive answer.
10
To upgrade is very straightforward. But let's get the terminology absolutely correct. The student cover - provides cover ONLY while a student, and NOT as a practitioner. What happens is the Student cover carries on and expires at the end of its term of 1 year A student - now a practitioner - now needs to apply for Practitioner cover, and having been trained by one of the schools we recognise is therefore automatically qualified for our insurance. To do this you need to log in. You will find the log in link at the top right hand side of the front page of the site. The link below will take you there. You just need your existing Policy No. At the prompt enter your Policy No and Submit. An email will be sent to you with a link that will take you straight to the client only area. One of the options is to "upgrade" Student cover. Just follow the links. This facility is available 24/7
11
Our systems are, for the most part, fully automated. Quotations are available on-screen and we do not email them to you. Once you have progressed through the quotation and then the application process and have made your payment you will be taken to a page that confirms your policy has been issued. On that page there is a link to view your Certificate. You may review your Certificate at any time by logging in. You will find the log in link at the top right hand side of the front page of the site. The link below will take you there. You just need your Policy No. At the prompt enter your Policy No and Submit. An email will be sent to you with a link that will take you straight to the client only area. One of the options is to view your Certificate. This facility is available 24/7
12
This is probably due to unacceptable answer(s) to question(s). We are a fully automated process and provide all the information needed for you to make an informed decision on-line. This probably happened at the stage where you are asked a series of questions. If any question is not answered in a manner acceptable to the underwriter the system will not produce a quote. Please attempt another quote but read carefully through the questions and answer them honestly. There is one question at the end that asks you to confirm that there is no information you would like to add. Perhaps you overlooked that one. When you have completed the questions and before your press the submit button you might like to take a screenshot of the page. If the system provides the same error you could email the screen shot and we could investigate. In order to keep premiums to an absolute minimum we use automation extensively. That is why the entire quotation and application process is automated. A quotation is available 24/7 on-line. On the front page of the site click on the box on the bottom of the page "Get a quote". That will take you through the questions necessary to provide a quotation. Shouldn't take more than a few minutes. Once produced you can easily print it for reference. For security reasons we do not email it to you. Once you have the quotation on screen you may continue on to apply. Click on the appropriate link on the quotation page to apply. That will take you though the section that collects your contact details and then onto payment. Payment is by Credit or Debit Card, and once authorised your policy is issued immediately. You may then print your Certificate of insurance. You may visit the client only area whenever you wish. You will be allocated a unique policy No. On the front page of the site look for the Log in at the top right hand side of the page. At that page enter your Policy No and the system wil mail a link to you. That link will get you into your client area. Our entire insurance offer is automatic and on-line. That is from providing all of the information necessary for an insurance application through to payment and then issue of your policy, once the system has collected the necessary information. Because premiums have not changed a quotation provided a few days ago will be identical to one produced today (given identical information submitted). You may telephone during office hours and we will be pleased to assist
13
It is quite correct that there is no additional charge for more therapies added to the cover. Some therapies have a different base premium, and the premium charged takes into account the "most expensive" one of the list selected. However the principle that we do not charge for additional therapies is absolutely correct.
14
This policy was designed for UK residents conducting business in the UK but cover has has now been extended. Cover is available for business conducted anywhere in the world excluding USA & its Protectorates subject to the following: It is fully recognised by the client that the Policy is STRICTLY subject to UK jurisdiction only, which means that the Policy will be interpreted by reference to English Law & any disputes arising under the Policy must be litigated in UK Courts. The client warrants that the address used for the application, contact & correspondence is either the applicant's UK address as would be evidenced on the Electoral Roll or that of their parents. The policy is issued in UK by an insurer authorised and regulated by the Financial Services Authority. Any unresolved complaint can be taken to the Ombudsman. Please enquire if you require more details of this and how to make use of this facility. Insurance is about claims, and in the event of a claim it is very important that certain procedures are followed. It is in the event of a claim that a signed declaration will be required. This declaration merely asks the policy holder to confirm that the information they entered into the system and upon which the policy is issued is correct at that time and date. Further, some of the therapies or business activities we cover it is a requirement of cover that membership of a particular organisation is a condition of cover. Where this is the case it is clearly marked and you will be asked to confirm your understanding of this. What you should read. It is important that you fully understand what you are covered for and the conditions under which cover is granted. We publish all of the necessary information here on this site. Nothing is hidden away and nothing we believe is difficult to find. Whilst we will know if you have opened a document we cannot tell if you have printed it or read it thoroughly. Please refer to the tab on the main navigation of theleft hand side of our main page - Overseas cover -how does it work? Finally, it is not out intention nor desire to grant the purchase of this cover from anywhere outside of the UK. Because we are Internet delivered it can be difficuclt, if not impossible, to prevent anyopne from our side of the UK to purchase cover. If you work abroad you should read the conditions of cover concerning working overseas very carefully.
15
We do have two separate policies. One for students and another for practitioners. The student policy ONLY covers students while studying and the details are set on the site under the left hand tab Students. This policy is very keenly priced to encourage the student to come back once qualified. Cover is available for students who are undertaking formal study with those organisations we have on our approved list. We provide comprehensive cover during a student formal study period and during live practice whilst such practice is personally supervised against valid claims. Our 'normal' cover is for practitioners and does not cover a student. Therefore is you are both a practitioner and a student then you need two policies, one as a student and one as a practitioner. In these circumstances once the studying is completed and you qualify as a practitioner (under our rules) then the student policy runs it’s course and you request us to add the newly qualified therapy to your existing practitioner policy. This is generally at no extra charge.
16
You need to access the client ONLY area. This contains information specific to you. You may renew form here and also make changes / corrections to your contact details. You may only renew a policy from here. It is under your control at all times. We do not have a facility to renew your policy using paper application form, nor are we able to renew a policy without youre input. To enter the Client only area you'll need a code. This is obtained by going to to the front page of the site: http://insurance-therapists.co.uk and look for the log in at the top right hand side of the page. Enter your Policy No there and the system will send you an email to the address we hold for you. The email you receive will contain a link. That link will get you into the Client only area. There you will see cleat instructions about how to renewl. Just follow the simple steps, much of whgich you will recognise from when you made the originmal application. At around the renewal time we send a mail to you every week over an 11 week period, 6 weeks before renewal to 4 weeks after. That mail contains a link.
17
We are a fully automated process and provide all the information needed for you to make an informed decision on-line. A quotation is available 24/7 on-line. On the front page of the site click on the box at the bottom of the page "Get a quote". That will take you through the questions necessary to provide a quotation. Shouldn't take more than a few minutes. Once produced you can easily print it for reference. Once you have the quotation on screen you may continue on to apply. Just follow trhe navigation. That will take you though the section that collects your contact details and then onto payment. Payment is by Credit or Debit Card, and once authorised your policy is issued immediately. You may then print your Certificate of insurance. You may visit the client only area whenever you wish. To do this use the Log in link at the top of the front page of the site and provide your Policy No. The system will send you an email with a link to enter this area. You can request your this link as often as you wish.
18
It will be clear that the premiums and quality of cover offered by this program are very competitive. This is achieved by the combination of several important features and the following notes set out the position. *We do not offer advice. This program is Internet driven (which brings about considerable cost savings) and, as a result, we are unable to offer individual advice. We will do out best to answer questions and queries about the program, but that is quite a different matter to advice. We only cover therapies. If you seek cover for a therapy that we do not list we will be interested to hear from you. If it's a therapy we do not cover we may be able to approach our underwriters and apply for it to be added if we can make a businness case for its inclusion. We only cover an individual.* Cover available under this program in limited to covering one individdual ONLY. *We have strict criteria about qualification. If your qualification(s) fall outside what we show we would be interested to hear from you IF your qualification is from a currently operating UK based training organisation. In these circumstances we may be able to approach our underwriters to add another training organisation to our approved list. If the therapy you seek cover for is not listed* and/ or if your qualification does not fit the criteria above then probably we will not be able to offer cover under this program. In these circumstances we would refer you to our sister site> Here the quality of cover is equally high but the range of business practices (it's not limited to therapies as this program is) covered is very much wider. Further qualification and experience requirements are based upon the applicants confirmation that the individual (and it could be a company) covered is trained and experienced to practice what is covered but does not specify exact criteria, as this program does. CLICK HERE to visit our sister site.