Balens – Key Points

Posted by Rosie Plunkett – Friday, November 18th, 2016

What do I need to do?

1) Check the activity sheets for the activity that you practice. You can add as many activities to the policy as you like, providing you hold a suitable qualification. If an activity is not listed, please add it to the list on the form and we will inform you if we require an additional premium or more information. If you wish to add any new activities to your policy, please forward a copy of your qualification. If you are a student in any activity and require cover for your case studies, please write student next to the activity.

2) Check the premium that you need to pay for the activity that you practice and then tick the appropriate box. You can pay by cheque which needs to be made payable to Balens Ltd, write card details on a separate sheet or call us with card details once we have received your form.

3) Answer the questions on the Proposal form and read the declaration, then please make sure that you fill your details in clearly and hand sign and date the declaration form.

4) Please state the activities that you require cover for in the box on the bottom of the proposal form. If an endorsement applies please contact us prior to the inception of your policy for full details.

5) On receipt of the above, we will start your policy from the day that we receive your form, providing everything has been completed correctly. If you are practising an activity that is not on the list, we may need further information before cover can be granted. If you have foreign qualifications, we will need you to complete an additional form. Please note that we must receive your renewal documentation before the expiry date of your current policy to ensure continuous cover.

6) Please note the completion and submission of this form does not bind you or us to enter a contract of insurance. In order to minimise the need for further clarification please answer all questions fully. You understand that you must make a fair presentation of the risk to us when completing this form and at inception, renewal and whenever you request changes to your policy. This means you must tell us about all facts and circumstances which may be material to the risks covered by the policy in a clear and accessible manner and must not misrepresent any material facts. A material fact is one which would influence our acceptance or assessment of the risk. If you have any doubt about facts considered material, it is in your interest to disclose them. If you do not make a fair presentation of the risk the policy may be avoided, written on different terms or a higher premium may be charged, depending on the circumstances of the failure to present the risk fairly.

Please complete the attached proposal form and return with your payment to:-

Balens Limited

Specialist Insurance Brokers to Health & Wellbeing Practitioners & Organisations Bridge House, Portland Road, Malvern, WR14 2TA

Tel:01684–580771 Fax:01684–891361

www.balens.co.uk info@balens.co.uk

“We care for the Carers”
Established 1950 – Over 60 years of Service & Personal Support Balens Ltd are Authorised & Regulated by the Financial Conduct Authority

Balens Ltd. is authorised & regulated by the Financial Conduct Authority. Copyright Balens Ltd. © 2014. All Rights Reserved.
Authorised and Regulated by the Financial Conduct Authority in the United Kingdom – Balens Limited Registration Number FRN 305787 and regulated by the Central Bank of Ireland for Conduct of Business rules. Balens Financial Ltd (FRN 630456) is an Appointed Representative of Go IFA who are Authorised and Regulated by the Financial Conduct Authority under the FRN 530741.Balens Finance Services Ltd (Bifs) is authorised and regulated by the Financial Conduct Authority under the FRN 721566.You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
Balens Limited has passporting rights enabling us to carry out insurance transactions within EEA states. This business may not be regulated by the Financial Conduct Authority, however, we apply the same compliance protocol across all of our business.

Zurich Insurance plc

A public limited company incorporated in Ireland. Registration No. 13460.
Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland.
UK Branch registered in England and Wales Registration No. BR7985.
UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

Zurich Insurance plc is authorised by the Central Bank of Ireland and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our authorisation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA’s Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768. Our FCA Firm Reference Number is 203093.

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Balens Ltd – Clinical Association of Reflexologists Affinity Scheme

Clinical Association of Reflexologists Affinity Scheme – UK

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Policy runs from 09th June 2016 – 08th June 2017 Premium Information

As an ethical, regulated business we wish to be clear and transparent about the breakdown of the cost of your insurance policy arranged through us. The tables below aim to achieve this. As an example, the cost of your insurance premium if you are a Full Practitioner would be £49.18. If you are joining the scheme after the first quarter the rates will reduce as per the table below. If you wish to add the additional Personal Accident policy the premium payable would be £49.18 + £11.00 = £60.18

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Limit of Liability £4,000,000 Full Practitioner

Malpractice Premium

DAS

Net Insurance Cost

Insurance Premium Tax (IPT) @ 10%

Balens Admin Fee

Total Premium Payable

09 Jun – 08 Sep

£29.50

£6.19

£35.69

£3.57

£9.92

£49.18

09 Sep – 08 Dec

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£22.13

£6.19

£28.32

£2.83

£7.44

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£38.59

09 Dec – 08 Mar

£14.75

£3.10

£17.85

£1.79

£4.96

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£24.60

09 Mar – 08 Jun

£7.38

£3.10

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£10.48

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£1.05

£2.48

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£14.01

Limit of Liability £4,000,000 Student

Malpractice Premium

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DAS

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Net Insurance Cost

Insurance Premium Tax (IPT) @ 10%

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Balens Admin Fee

Total Premium Payable

09 Jun – 08 Sep

£10.00

£3.10

£13.10

£1.31

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£1.66

£16.07

09 Sep – 08 Dec

£7.50

£3.10

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£10.60

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£1.06

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£1.25

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£12.91

09 Dec – 08 Mar

£5.00

£1.55

£6.55

£0.66

£0.83

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£8.04

09 Mar – 08 Jun

£2.50

£1.55

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£4.05

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£0.41

£0.42

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£4.88

Optional Personal Accident Cover – Please see Key Facts sheet (enclosed)

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Personal Accident Premium

Insurance Premium Tax (IPT) @ 10%

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Total premium payable

£10.00

£1.00

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£11.00

For the purpose of insurance only, The Clinical Association of Reflexologists is an Introducer Appointed Representative of Balens Limited, Bridge House, Portland Road, Malvern, WR14 2TA, who are authorised and regulated by the Financial Conduct Authority.

Balens Ltd – Clinical Association of Reflexologists Affinity Scheme

Activities List

Standard Activities covered, strictly subject to suitable qualifications held. If you are adding any new activities, please also enclose copies of your qualifications.

Advanced Sound-Wave Energy Therapy Alexander Technique

Allergy Testing
Angel Therapy

Animal Therapy Aromatherapy Aura-Soma Autogenic Therapy Aromatherapy

Art Therapy

Assemblage Point Shifting
Astrology
Aura-Soma
Auricular Therapy (Non-invasive, without needles) Autogenic Therapy
Baby Massage
Bach Remedies
Bi Aura
Bicom & Bioresonance
Biodynamic Psychotherapy
Biodynamic Massage
Bio Kinetics
Bio Magnetic Therapy
Bionetics
Body Harmony
Bowen
Breathing Therapy / Breathing Massage
Chi Kung
Clinical Hypnotherapy
Cognitive Therapy
Colour Therapy
Counselling
Cranio Sacral Therapy
Crystal Therapy
Crystal Wand Healing Facial
Deep Draining-Psycho-Postural Treatment
Diet and Nutrition
Dowsing for Stress Release
Dream Analysis
Educational Kinesiology
EFT
Electro Crystal Therapy / Electro Gem Therapy EMDR
Energy Field Therapy
Energy Interference Patterning
Energy Release Systems (Jin Shin) Jyutsu Enneagram
Em Power Therapy
Equine Assisted Psychotherapy
Facial Threading
Feng Shui
Hand Massage
Healing
Health & Personal Development
Hearing Therapy
Herbal Medicine
Holistic Education Therapy
Holographic Re-patterning
Homoeopathy
Hopi Ear Candling
Hot Stones
Hypnotherapy

Indian Head Massage

Integrated Energy Therapy

Integrative Medicine

Iridology

Jikiden Reiki

Kinesiology

Kinesis Myofascial Integration

Kinetic Energy

Love Heals! Teacher training

Life Coaching

Light Touch Therapy

Lightning Process practitioners

Magnet Therapy

Mahayana Chi

Manual Lymph Drainage Category 1 & 2

Massage (including deep tissue)

Ministers, Officients, Intuitives and Mediums

Meditation & Psychic Awareness

Meditation & Mind Instruction

Mediumship

Meridian Energy Techniques

Metamorphic Technique

Naturopathy (Live blood analysis Class 3)

Neuro Linguistic Programming

Neuroflexology

Nutrition Therapy

Phytobiophysics

Pilates (including Gyrotonics)

Polarity Therapy

Psycho-Somatic Treatments

Psychology

Psychology of Vision and Oneness

Psychotherapy (including Jungian Analysts)

Psych-K

Psychosexual Counselling

Qi Gong

Radionics

Reconnective Healing

Reflexology

Reflex Zone Therapy

Reiki

Relaxation Therapy

Rhythmical Massage Therapy Shamanism

Shiatsu

Social Care

Sound Healing Spiritual Healing

Spiritual Psychotherapy

Sports Massage Stress Management

Tai Chi (Non Combat) Tellington Touch

The Form Reality Practice

Thought Field Therapy Time Line Therapy

Vegetotherapy Vibrational Medicine

Visualisation
Vitamin & Mineral Therapy

Vortex healing Yoga

Balens Ltd – Clinical Association of Reflexologists Affinity Scheme

DECLARATION FORM

I have never been convicted of, or charged (but not yet tried) with any criminal offence, other than motoring offences, or offences that are spent under the Rehabilitation of Offenders Act 1974.

I have never had a proposal or renewal for insurance declined or cancelled; a policy voided, withdrawn or suspended, or special terms imposed by an insurer.

I have had no claims, nor am I aware of any circumstances which could give rise to a claim, under the policy involving negligence, error or omission.

I have never had any disciplinary hearings made against me, nor am I aware of any circumstances which may result in a claim or suit being made against me.

I have never been the subject of a winding-up order or company/individual voluntary arrangement with creditors; or been placed into administration, administration receivership or liquidation.

answer is Yes to any of the above questions, please ensure full details have been disclosed to us in a and accessible manner and have not been misrepresented to us.

By signing the form below I declare that the statements and particulars in this proposal are true and complete. I have made a fair presentation of the risk and have not misrepresented or suppressed any material facts. I agree to the contract of insurance being prepared using the information I have supplied in this form along with any associated information I have supplied. I shall inform you of any material alteration to those facts and/or the information supplied before completion of the contract of Insurance. I can also confirm I have read, understood and agree to accept the Balens Terms of Business letter attached. A copy of the policy wording is attached for your attention.

Important Note: This policy is for individuals only (including proprietor only limited companies). If you employ or use other Health and Wellbeing Professionals or if you take payments, bookings or advertise for other Health and Wellbeing Professionals, this policy may not be suitable – please contact Balens for guidance.

You must be a current member with the Clinical Reflexology Association at all times in order to take out this policy, if you are not or you do not renew your membership with them, the insurance could be declared void.

Signed:  …………………………………………………………………… Dated:……………………………………………2016/17

Title:   ……………………………………………………..

Surname:  ……………………………………………………………….First Name ……………………………………………………………………………..

Trade name:  ……………………………………………………………………………………………………………………………………………………………

Address: …………………………………………………………………………………………………………………………………………………………………..

Postcode:  ………………………………………………………………..Email:  ……………………………………………………………………………………

Phone Number: ………………………………………………………  Date of Birth: ………………………………………………………………………….
What date do you require your new policy to start from? ……………………………………………………………………………………………..

Please Tick to confirm the option you require                            Please enter Total premium payable

£4,000,000

£4,000,000 – Student

Personal Accident

Please state below the activities you require insurance cover for. Please provide us with copies of your qualifications for the activities. Cover will be provided subject to suitable qualifications held.

 

 

 

 

Dated: 2016/17


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