The term consumer is defined as:

“an individual acting for purposes that are wholly or mainly outside that individual’s trade, business craft or profession.”

Essentially you are deemed as a consumer if you are buying a product or service on a personal level.

As a consumer you have access to protection under the Consumer Rights Act 2015. This does not apply to businesses.If there is a dispute about whether you were a consumer, the burden is on the trader to prove that you were not a consumer.

For full information on the Consumer Rights Act 2015, please refer to the following website:

https://www.legislation.gov.uk/ukpga/2015/15/contents/enacted

Importantly, this Act covers you in relation to the purchase of both goods and services and Digital Content. You have the right to complain if everything is not as it should be in relation to your purchase or the service you have received.

Your Data is also protected under the rules of GDPR. There are 7 key principles that apply and these are:

  • Lawfulness, fairness and transparency
  • Purpose limitation
  • Data minimisation
  • Accuracy
  • Storage limitation
  • Integrity and confidentiality (security)
  • Accountability

Companies are not allowed to use your data out of the GDPR guidelines as set out by the ICO. If you feel that this has been breached you importantly have the right to complain.

Company funded health insurance?

Company funded health insurance?

If you are looking for health insurance, you’ll need to know the best way to pay for it. It’s a simple question for large SME or corporate businesses, but what if you are a one-man band? Company-funded health insurance is popular in the UK marketplace. There are many small companies registered in the UK. Even sole traders or partnerships that have private medical insurance can use their business bank account to pay for the policy. Whether you require a small or large private medical insurance scheme, your business can fund your policy. Do you want company-funded health insurance? Importantly, you need…

What is the Best Health Insurance for your parents?

What is the Best Health Insurance for your parents?

We would recommend that everyone has a full market review when they are buying a health insurance policy. It doesn’t matter whether you are 18 or 80, a market review is the simple way to ensure you are getting a great deal. Whether your parents have a policy in place or are new to health insurance a market review lets you know what is available.

How to save money on health insurance

How to save money on health insurance

If you want to save money on your health insurance you need to check your cover details carefully. A good health insurance broker can help to make this easy for you. We spend time with our clients listening to what is important to them in terms of cover and benefits. We can then provide quotes based on their unique and specific needs. Nobody wants to pay more for a health insurance policy than they have to. Nobody wants to have cover for benefits that they will never use. Can you afford an excess? If you know you can afford to…

Private Medical Insurance for when you retire

Private Medical Insurance for when you retire

Just because you have reached retirement age does not mean that you have made claims or suffered with ill health. Being newly underwritten would save you money on your private medical insurance but could result in exclusions appearing on your certificate.

SMP are now offering Saturday appointments

SMP are now offering Saturday appointments

Whether you are an individual, family, small business owner or corporate client.  If you would like to come to our offices on a Saturday or would like a call to go through your private health insurance options,  we are more than happy to accommodate you. Please be aware, appointments for a Saturday are on a “first come, first served” basis.

The advantages and disadvantages of protecting your no claims discount

The advantages and disadvantages of protecting your no claims discount

If you have a private medical insurance policy which operates using a no-claims discount (NCD) system. Think about whether it’s worth protecting your NCD if the insurer offers this option. The following points below will help you understand that advantages and disadvantages to protecting your no claims discount. Advantages of protecting your NCD No financial pressure not to claim You’ve taken out private medical insurance for a reason, so that when you need medical treatment you can go privately. The last thing you want is to be deterred from making a claim due to the thought of financial implications. Peace…

Personal Health plan from AXA PPP Healthcare

Personal Health plan from AXA PPP Healthcare

The Personal Health plan from AXA Health provides a modular policy for consumers.  If you are looking for an individual or family health insurance policy. The Personal Health Plan can offer you flexible solution. All Personal Health plans start with the AXA Health Core cover. This gives you extensive heart and cancer cover and care. You have access to enhanced family cover, Fast Track Appointments and the Working Body service as standard. What modular options are available under the AXA Health Personal Health Plan? When you buy a policy from AXA Health, there are a number of options you can…

Have you heard about Access Surgery?

Have you heard about Access Surgery?

Access Surgery and Access Surgery Premier are hospital treatment insurance policies from Westfield Health. These policies are not Private Medical Insurance however they do cover policyholders privately for new medical conditions that the NHS define as non-urgent. There is no cover on either policy for cancer treatment, heart conditions or chronic conditions. A chronic condition is a disease, illness or injury that needs regular or periodic treatment, medication or advice. Who is eligible for Access Surgery cover? Both policies are available to anyone aged between 18 and 79 years of age. If you have a policy in place prior to…