Please find below our Terms of Business in respect of general insurance business. 


Consumer Terms of Business

Commercial Terms of Business

commercial_toba_1805-18c.pdf

Definitions                                                                                                                                                                                                                              With Reference to Consumers in this agreement is based on the Financial Conduct Authority regulation which states: A Consumer is a policyholder or prospective policy holder who is an individual who is acting for purposes outside his trade, profession or business. 

All other clients are regarded as Commercial customers