Letter of Appointment

Letter of Appointment

I/we hereby appoint Rothbury Insurance Brokers as our general insurance brokers with immediate effect. This appointment shall continue until such time it is terminated, in writing, by either party. This authority replaces and revokes any previous authorities given, or implied, to any agent, or broker, previously handling our insurance.

I/we acknowledge that the insurers with whom Rothbury Insurance Brokers place our insurance may provide consideration to them for doing so and a service margin may also be charged (as detailed in the Rothbury Client Services Guide).

Rothbury Insurance Brokers has explained to me/us the range of services to be undertaken by them as my/our insurance brokers. Further, Rothbury Insurance Brokers has explained to me/us the duty of disclosure to insurers, and I/we understand my/our obligations, as follows:

Duty of disclosure

For an insurer to make an informed assessment of the risk it faces under a contract of insurance, and calculate the premium it should charge, all relevant matters must be disclosed in good faith. This requires me/us to disclose every matter that I/we know or could reasonably be expected to know, which may influence the insurer's decision whether to accept a risk of insurance and, if so, on what terms and at what premium. I/we understand that the same duty of disclosure applies before any renewal, extension, variation or reinstatement of a contract of general insurance.


I/we understand that failure to comply with the duty of disclosure, may result in the insurer being entitled to avoid liability or reduce liability under the contract in respect of any claim, or may result in termination of the contract.

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