TERMS & CONDITIONS

Rural Arbor Products Ltd (RAP Ltd) is a company registered in England & Wales no: 4165438 with registered offices at Sharpstone View, 74 Priory Ridge, Shrewsbury, Shropshire SY3 9EJ. The company (also known as RAP Ltd) and officials are authorised and regulated by the Financial Services Authority.

RAP Ltd is acting to enable woodland owners (clients) to obtain insurance cover for Woodland Owners Public Liability through their brokers, Willis Limited, 285 Queen Street, Broughty Ferry, Dundee DD5 2HD, and underwriters, Royal & Sun Alliance Insurance plc.

All clients will be bound by the terms and conditions of their policy brokered by Willis Limited and underwritten by Royal & Sun Alliance Insurance plc (a copy can be supplied to all clients of the Scheme upon request to Willis Ltd).

The amount payable is inclusive of the Annual Premium, Insurance Premium Tax and Policy Holders Fee. To keep costs down, all policy renewals are on 1st July annually. The stated cost is payable whenever an owner joins the scheme, although the Broker has reduced the premium after 1st January for the remaining months or part thereof. A renewal notice is sent out at the beginning of June each year with details of the new costs from 1st July. Any owner not returning their payment by 1st July will be assumed not to require cover for the forthcoming year.

Clients are advised that 'proof of postage' is not 'proof of delivery' and, if concerned, should send all questionnaires and payments by Registered Post. Cover will commence immediately upon receipt of your questionnaire and payment or, at the latest, within 2 days of receipt unless the date of commencement is otherwise requested. This is excepting weekends and bank holidays. Clients will be issued with a Policy Certificate and Policy Schedule as the confirmation that they have been insured.

It is the responsibility of all clients to inform RAP Ltd immediately if there are any changes to the original details supplied, particularly change of address or sale of the woodland.

RAP Ltd takes the privacy of its clients very seriously. We will only disclose personal data to a third party for purposes connected with the policy.

It is a condition that in respect of crop spraying by or on behalf of the Insured on the Insured's own land that all reasonable precautions are taken to prevent loss of or damage to stock and crops belonging to owners of adjacent properties. Also that notice is given to the owners of animals likely to be present in fields or areas bordering those to be sprayed of the Insured's intention to carry out spraying operations.

Due to the continuing adverse climate conditions being experienced in the UK owners are reminded that they are required to inspect their woodlands regularly to assess for damage or disease to ensure the public are safe.