The Financial Services Authority
The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

Whose products do we offer?
As insurance intermediaries, we act on your behalf in placing insurance cover through the selection of insurance providers that we use. We can offer a wide range of products from a selection of Insurers, Lloyds brokers and wholesale brokers that allows us to provide a fair analysis of the market.

Which service will we provide you with?
We will advise and make a recommendation after assessing your needs. Having identified your insurance requirements, we will offer products that meet these requirements. Where we are unable to fully meet your requirements, we will advise you of the differences to allow you to make an informed decision. We will explain the main features of the product including exclusions, restrictions including warranties or excesses or any special conditions. Finally, we recommend that you read the policy documents to ensure that the insurance meets your needs.

What will you have to pay for our services?
For new business or renewal where we have charged a fee for our services, this will be detailed in our quotation. For mid-term adjustments or cancellations, we normally make an administrative charge of £10. If we need to increase this charge to cover additional work we will confirm the charge to you. Following midterm cancellation of an insurance contract, we maintain the right to keep our fee or commission.

Who regulates us?
We are authorised and regulated by the Financial Services Authority (FSA). Our registration number is 311587. We are authorised to conduct general insurance business (non-investment insurance contracts). This can be verified by contacting the FSA on 0845 606 1234 or on their website at www.fsa.gov.uk/register.

What to do if you have a complaint
We have a very real commitment to customer care. However, if you have a complaint, please telephone 01592 649786 or write to our office at 342 High Street, Kirkcaldy, KY1 1LD. We will acknowledge your complaint, in writing, within 5 days. Our full written response will be provided within 20 business days. If we are unable to provide a full written response within the prescribed time, we will advise of the current position and a timescale for receipt of our full written response. If we are unable to resolve the matter, you may be entitled to refer it to the Financial Ombudsman Service.

Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). If we cannot meet our obligations you may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of any claim.

Your Duty of Disclosure
It is your duty to provide full and accurate information. It is a condition of all insurance policies that you advise the insurers of any material facts. Amaterial fact is one that may affect an insurer’s opinion in relation to the risk to be insured. It is important that any change in material fact is advised to us before the inception or renewal of the insurance or at any time during the period of insurance. Failure to disclose material facts could invalidate your insurance cover or affect the payment of claims in full or in part.

Payment for your Insurance
We will agree a payment method prior to arranging the insurance cover. In the event of non-payment, we will make every effort to collect the outstanding premium before we instruct the cancellation of the cover. We will not accept any responsibility for the non-payment of any claim as a result of this and we reserve the right to keep any fee or commission that was payable to us. Where there is a time-on-risk charge, we will continue to pursue you for this until the outstanding premium is paid in full.

Issue of Compulsory Certificates
Where compulsory certificates are required, we may issue a temporary certificate to cover you until payment is received or a direct debit mandate is accepted by your bank to cover premiums due, whereupon we will issue the full certificate.