COMPLAINTS

The following information provides you with an important overview of Campbell Insurance Brokers limited operations.  Our duties to you, fees and how we manage complaints.

Licence Status and Conditions

Campbell Insurance Brokers LTD holds a financial advice providers licence issued by the Financial Markets Authority.  Reference FSP424186

Nature and Scope of Advice

Campbell Insurance Brokers ltd provides advice to our clients about their exposure to risk and, more specifically, their general insurance needs.     

Our financial advisers provide financial advice in relation to domestic insurance, such as house, contents, landlords protections, motor vehicle and boat insurance, as well as commercial general insurance, such as commercial property, business interruption, commercial motor, marine, liability, professional indemnity and cyber insurance.

When providing our advice, we may access a wide range of general insurance products from various general insurance providers in both the local and overseas market.

Fees, expenses, or other amounts payable

Campbell Insurance Brokers Limited may charge you a fee, and charges, for providing financial advice and for arranging, altering or cancelling your general insurance program. From time to time, we use third-party support services, which may also charge a minor administration fee for processing insurance premiums. If a fee will be charged, you will be advised at the time the financial advice is provided.

In some circumstances, we may recommend another service provider to assist us in providing appropriate financial advice. These providers can include property valuers, property surveyors and motor vehicle valuations. These providers will charge a fee for the work they do. We will advise you of any related fees and charges prior to having them commence any work on your behalf.

 

 

Conflicts of interest and commissions or other incentives

Campbell Insurance Brokers limited has spent many years forging relationships with local and international insurance providers. The benefits of these relationships are seen every day by giving our clients an outstanding choice, competitive pricing and coverage options and policy support services.

Campbell Insurance Brokers limited are paid a commission from the general insurance product provider when arranging insurance with them on your behalf. The amount of commission received varies as it is calculated as a percentage of the insurance premium charged.

Campbell Insurance Brokers limited does not accept direct or indirect benefits from our Insurance providers.

We recognise however that the above commissions have the potential to create conflicts of interests for Campbell Insurance Brokers limited and its financial advisers. To manage these conflicts, our financial advisers follow an advice process that ensures our recommendations are made on the basis of your financial goals and circumstances. All our financial advisers undergo training about how to manage conflicts of interest. We undertake compliance audits of our financial advisers, and annually audit our conflict of interest compliance framework.

We may, however, choose to rebate all or some commissions and charge you a fee based on the nature of the service we provide.

Duties

We believe in delivering the most appropriate advice, built upon our four core business pillars, Trust, Advice, Choice and Value.

We are bound by duties under the Financial Markets Conduct Act 2013 (Act),

We are required to:

· Meet certain standards of competence, knowledge and skill, as set by the Code of Professional Conduct for Financial Advice Services (Code of Conduct). These have been designed to ensure that we have the relevant expertise to provide you with advice.

· Take reasonable steps to ensure that you understand the nature and scope of the advice we give you and let you know if there are any limitations on the advice we provide. This will help you ensure that the advice provided meets your goals and objectives.

· Give priority to your interest, by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests.

· Exercise a prudent level of care, diligence and skill.

· Meet certain standards of ethical behaviour, conduct and client care as required by the Code of Conduct. These are designed to ensure that we treat you as we should and give you suitable advice.

· Not offer or recommend a financial product that contravenes the Act or related regulations. This gives you peace of mind that the products we recommend are compliant with relevant laws.

. Make certain disclosure information available to you, at certain times, for example when advice is provided. We must not provide false, misleading or incomplete information. You can access the Code of Professional Conduct for Financial Advice Services via the button below.

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Campbell Insurance Brokers limited  FSP424186 holds a financial advice provider licence issued by the Financial Markets Authority.

You can contact us at:

Phone: 021521651

Email: ross@campbellinsurance.co.nz

Address: 7 Turvey Street, Pegausu, North Canterbury