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Terms & Conditions

Services we provide

We act as an independent intermediary on your behalf arranging the following classes of business with a wide range of insurers, these include motor, home and commercial. We have selected one insurer to provide our uninsured loss recovery service, which is administered by Perception and underwritten by Certain Underwriters at Lloyd's of London.

Please keep with your Policy Documentation

To ensure a high standard of service we have detailed below a few answers to questions we are frequently asked.

What happens if I sell my vehicle?

In the event of the sale of the vehicle please contact the office immediately. In some cases the policy can be suspended pending the purchase of a new vehicle. If the policy is paid by installments these may still have to be paid and depending on how long the policy has been suspended for, a credit MAY be allowable at the renewal stage.

What happens if I have a claim?

In the event of a claim please contact our office immediately, or alternatively the helpline number provided by your insurer in your policy documents. You will be given detailed instructions on the procedure of how the claim will be dealt with. In the event of a claim there are certain accidents/incidents where your annual premium must be paid in full, these are:

a) in the event of a total loss claim
b) in the event of a third party claim against your or a named driver
c) in the event of a payment made to and authorized repairer.

Canceling your Insurance

You may cancel your insurance at any time by telling us in writing and sending your certificate of motor insurance. If you or someone else has not made a claim in the current period of insurance, a refund will be allowed on the insurers terms .Please see the below table for an indication of the cancellation charges. Once cancelled, policies cannot be reinstated. Commission, installment charges and the cost of the uninsured loss recovery service are non refundable .Approximate cancellation charges are below (excluding commission, installment charges and uninsured loss recovery service)

Period of cover up to-

1month 2months 3months 4months 6months 8months over 8 months
35% 45% 50% 60% 80% 90% 100%

Complaints procedure

If you are unhappy in any way with your insurance, in the first instance please contact our Managing Director, Mr.S.Budesha at our office address either by telephone or in writing. We will acknowledge your complaint within five days. A full decision after investigation will be sent to you within 20 days .If you are not satisfied with our decision you may exercise your rights to proceed with your insurers own complaints procedure outlined in your policy documents.

What happens if I default on my payments ?

In the event of the payment plan installments not being met we reserve the right to cancel the policy with immediate effect with no refund being given .If you anticipate problems please contact our office immediately .If after cancellation of the policy there are outstanding monies on your account you will be required to pay this amount. Failure to make this payment will result with Legal action.


In addition to premiums charged by your insurer we may, at our discretion, charge up to a maximum of £20 to cover administrative costs for these specified activities. Our minimum charges are as follows:

Permanent mid-term adjustments.........£15
Replacement lost certificates...............£10
Mid-term cancellations......................£10 (plus commission)
Renewals.....................................£10 Temporary
Policy fee.....................................£10

In the event that a debt needs to be recovered via our debt collection agent, we reserve the right to add a $30 administration fee to the debt in order to recover our costs.


Our quotations are guaranteed based on the information provided at the quotation stage. Quotations are valid until the end of the current month. We reserve the right to withdraw the guarantee if any of the information supplied to us is incorrect or if it changes.

Top marques insurance services is a trading name of Sportauto Ltd. We reserve the right to revise charges without notice.

Online Dispute Resolution Regulation

The Online Dispute Resolution Regulation (ODR) is linked to ADR and applies to disputes about online contracts (both in the UK and the EU). An online platform has been established to facilitate communication between parties and the certified ADR provider. All businesses that allow consumers to complete a purchase online need to provide a link to the platform on their website.

Where we allow online purchases, we will include this link on our website:

We pride ourselves on the services we provide to our clients and we hope that you do not have cause to complain. In the unlikely event that you are not satisfied about something we have or haven't done, we have a set procedure to follow. Please contact our office for details. Some clients are able to take unresolved complaints to the Financial Ombudsman Service (FOS).

You can contact FOS using the various methods below. By phone Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm
0800 023 4 567 (calls to this number are now free on mobile phones and landlines) 0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers) or from abroad on +44 20 7964 0500

By post
The Financial Ombudsman Service
Exchange Tower
E14 9SR

Covid 19 payment support
We understand that in these extraordinary times you may experience financial difficulties and this may make it difficult to continue or to make payments relating to your insurance policy or policies that we arrange for you.
We are ready to discuss alternatives with you and if amending cover levels does not assist or, where changes may be appropriate but do not help alleviate the temporary payment difficulties, a payment deferral may be an option for you.

Please Contact us to discuss your situation.

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Top Marques Insurance trading style of Sportauto Limited
Registered in England and Wales No: 2993405

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