No. We will issue you with a Terms of Business Agreement (TOBA) for you to sign and return. We are happy to provide quotes while this process is taking place.

Almost certainly yes. Very occassionally we are unable to cascade CRT down to a broker, and in the unlikely event that this applies this will be made clear when we issue the TOBA to you.

Our Smallholders Combined Policy is offered on a 'net' basis, so you would need to add your own fee. We pay commission under both the Farm Combined Policy and the Farm Motor Policy, and details will be given at the time of quotation.

An annual policy fee is applied to our Farm Combined and Farm Motor policies.

Not in the ordinary course of events. In very exceptional circumstances we may have to in order to satisfy our responsibilities under FCA regulations, for example, if the placing broker goes out of business.