Total Property Assist terms and conditions
Total Property Assist Terms and Conditions - Part 1
Terms applicable where a claim for property damage is being brought
Where a claim for property damage is being brought, Total Property Assist provides access to the services provided by Morgan Clark Ltd with whom Assist Protect Ltd have a working relationship. The following Terms and Conditions in this Part 1 below are authored by Morgan Clark Ltd (defined below as We/Us/Our). Assist Protect Ltd are displaying these Terms and Conditions in full for reasons of providing You with full transparency.
'You, Your' means the person who has a current Total Property Assist membership.
'We/Us/Our' means Morgan Clark Limited (Company No. 03823246) whose registered address is at Unit 16 Old Park Farm, Main Road, Ford End, Chelmsford, United Kingdom, CM3 1LN.
We agree to act on Your behalf in connection with Your above claim including advising You, preparing Your claim and negotiating on Your behalf with Your Insurers and/or third parties where applicable. We shall, to the best of Our ability, obtain a speedy and satisfactory settlement on Your behalf but, being Your agents and not the agents of Your Insurers, We give no warranty that a settlement will be achieved in a specific time, or at all. These Terms and Conditions set out herein shall apply in the event of any recovery, whether in contract or in tort, and whether from Your Insurers or a Third Party.
In the event that the services of other specialists are required, You are at liberty to instruct each such specialist separately. These may be of any sort such as, but not limited to, contractors, surveyors and solicitors. In that event such contractors and other specialists will at all times be Your agents and not Our agents, whether or not introduced by us. We accept no liability for any negligent acts, errors or omissions of these specialists.
We shall promote Your claim in accordance with Your instructions, which You warrant to be true and complete to the best of Your knowledge, and We accept no liability for the consequences of You providing Us with inaccurate or incomplete instructions, or failing to notify Us promptly of all material facts and developments.
6.1 Where the building repair works are carried out by a contractor introduced by Morgan Clark, We will receive a fee from the contractor for managing the contractor network and Our services will be free to You. In the event that You take a cash settlement or instruct an alternative contractor, Our fee will be a percentage of the total claim settlement. This percentage will be stated transparently by Us in a letter of Appointment with You.
6.2 When applicable, for the purpose of calculating the 'total claim settlement', We will include any value in settlement of the claim including, but not limited to, repair costs, cash payments and replacement goods.
6.3 We shall charge interim fees on interim recoveries, making any necessary adjustment when the total settlement is known. This will include interim payments agreed prior to Our appointment.
7.1 You may terminate this agreement by providing written notice to Us within 14 days of appointing Us to represent You in the Claim, such termination becoming effective upon Our actually receiving such notice and in these circumstances, We will make no charge for Our services.
7.2 In the event of You terminating this agreement after 14 days or You take action to prevent Us earning Our fees, then You agree that We shall be entitled to charge You in respect of all the work already carried out on Your behalf, to be calculated on the basis of £150 (excluding VAT) per hour of Our time.
7.3 In the event that We are of the opinion (at Our sole discretion) that Your claim is fraudulent, or has little prospect of success, or that it is otherwise improper for Us to act for You, We reserve the right to cease acting on Your behalf.
We recognise the importance of service and set Ourselves high standards. Should there be an occasion when We do not meet Your expectations We are equally committed to dealing with any complaint in a thorough and professional manner. If You wish to make a complaint You can do so by sending an email to complaints@morganclark. co.uk. If any complaint cannot be resolved to Your satisfaction You have the right to refer it, free of charge, to the Financial Ombudsman Service. Details can be found at www.financial-ombudsman.org.uk.
Settlement of Your claim will be mandated so as to ensure all settlement monies will be paid to Our 'Client Account' direct from Your Insurers or any third party proved to be liable to You in respect of this claim. Upon receipt of cleared funds We shall remit such settlement to You less payments due to specialists and contractors and any fees due to us, where applicable.
In the event that You instruct Us to hold any funds on account in anticipation of future costs or pending receipt of invoices for example, then We will be happy to do so but will retain any interest that may accrue on any balance held.
We respect Your right to protect Your Personal Data and We strive to be fully compliant with GDPR rules at all times. Our full privacy notice can be found on Our website at www.morganclark.co.uk/privacy/privacy-notice/.
Total Property Assist Terms and Conditions - Part 2
Terms applicable to membership of Total Property Assist
The following Terms and Conditions in this Part 2 below are authored by Assist Protect Ltd (defined below as We/Us/Our).
'You, Your' means the person who has a current Total Property Assist membership.
'We/Us/Our' means Assist Protect Limited (Company No. 07184256) whose registered address is at Mercia Place, 2 Main Street, Repton, Derbyshire, United Kingdom, DE65 6EZ.
Total Property Assist is designed to give You essential assistance in the event of damage to residential or commercial property resulting from
• Fire
• Flood
• Water damage
• Storm
• Impact
If the worst happens, Total Property Assist helps You to achieve a fair settlement from Your insurer and ensure Your property returns back to normal as quickly as possible.
Our efficient and professional service is free of charge because We invoice Your insurer directly, not You, for all property reinstatement and repairs.
Total Property Assist will also save You time and hassle and ensure Your home is repaired to the highest possible standard.
We understand how distressing it can be when Your property is damaged and We help take the stress out of those situations.
Worrying about what's involved in a property damage claim, and worrying about costs can be an added burden when You're dealing with property damage. So while You focUs on getting back to normal, Our dedicated Loss Assessor will prepare a detailed schedule of works and present a professional claim to Your insurers, maximising Your chances of a successful outcome. We will deal with Your insurer, and any matters relating to Your claim, while keeping You fully informed every step of the way.
We specialise in handling property insurance claims for residential homes and all types of commercial premises including buy-to-let properties, warehouses, shops and offices.
Your business is Your livelihood. If Your premises are damaged, keeping things on track can be demanding enough without the added distraction of managing tradespeople and dealing with Your insurance company.
We understand that Your business needs to remain operational. We focUs on minimising disruption to Your business so that You can focUs on running it.
We are committed to attending commercial properties swiftly and one of Our dedicated claims Loss Assessors will liaise with Your insurance provider, their loss adjuster and all the tradespeople required.
You can rely on an efficient turnaround and high quality repairs, from quote to completion, saving You time and enabling You to concentrate on Your core business. We can even negotiate loss of rent and business interruption claims on Your behalf to minimise the financial impact of any incident involving property damage.
There is no reason why Your insurance company or Loss Adjuster should discourage You from appointing Your own Loss Assessor. If Your Loss Adjuster is trying to dissuade You from using Our services, You should question why they are against the idea of You being equally represented. After all, a Loss Assessor can only help a policyholder claim for what is legally within their insurance contract.
Any excess stated in Your property insurance policy that Your property insurer requires You to pay will still apply.
Where You have been granted a period of Total Property Assist membership free of charge, this shall be the only period that is free of charge. Subsequent renewal or other extension of Your Total Property Assist membership shall be charged for.
You can cancel Your Total Property Assist Membership at any time. You can do so directly on the TPA Membership Removal page of Our website ('Direct Cancellation'), or You can notify Us of Your wish to cancel by telephone, email, or via the contact page on Our website ('Cancellation Notice').
If You cancel Your Total Property Assist Membership within 14 days of joining or renewing Your Membership where You have paid to join or renew, We shall refund Your money in full and without charge within no more than 7 calendar days from the date We receive Your Cancellation Notice or from the date of Your Direct Cancellation. This does not affect Your statutory rights.
Total Property Assist Terms and Conditions 31-01-2025
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