|
|
about our services
|
|
UKinsurancenet
|
UKmortgageNET
|
|
Alton House, 27-31 Grange Road, Darlington, DL1 5NA
Telephone: 0845 365 1264 Fax: 0845 365 0026
www.UKinsurancenet.com
www.UK-mortage.NET
|
|
1. The Financial Services Authority (FSA)
|
|
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.
|
|
2. Whose products do we offer?
|
|
Insurance
|
|
We offer products from a range of insurers for the following non-investment insurance contracts.
House insurance, let property insurance, holiday home insurance, payment protection insurance, term life, critical illness and income protection insurance, caravan insurance, etc.
In addition we are able to provide a wide range of commercial insurances, including shops, hotels, public houses, guesthouses, offices, etc.
|
|
We only offer products from a limited number of insurers.
Ask us for a list of the insurers we offer insurance from.
|
|
|
We only offer products from a single insurer.
|
|
Mortgages
|
|
|
We offer mortgages from the whole market.
|
|
|
We only offer mortgages from a limited number of lenders.
Ask us for a list of the lenders we offer mortgages from.
|
|
|
We only offer mortgages from a single lender.
|
|
|
|
|
3. Which service will we provide you with?
|
|
Insurance
|
|
|
We will advise and make a recommendation for you after we have assessed your needs.
|
|
|
You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
|
|
Mortgages
|
|
|
We will advise and make a recommendation for you after we have assessed your needs.
|
|
|
You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
|
|
4. What will you have to pay us for our services?
|
|
Insurance
|
|
|
Nothing unless you decide to proceed with the insurance, fees only become payable on certain types of property insurance if the policy is taken out, based on the following:
A fee for advice and administration and any mid-term adjustments. This can vary depending on the nature of the insurance contract being arranged and size of the business involved.
Any charges are as detailed in our General Insurance Terms of Business.
|
|
|
No fee.
|
|
You will receive a quotation, which will include full details about any fees charged relating to any particular insurance policy.
|
|
Mortgages
|
|
|
No fee. Instead, we will be paid by commission from the lender.
|
|
|
A fee
|
|
You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.
|
|
5. Who regulates us?
|
|
UKinsurancenet and UKmortgageNET
are trading titles of Internet Insurance Services UK Ltd
Alton House 27-31 Grange Road Darlington DL1 5NA.
Which is authorised and regulated by the Financial Services Authority.
Our FSA Register number is 300859
Our permitted business is advising on and arranging general insurance and mortgage contracts.
You can check this on the FSAs Register by visiting the FSAs website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
|
|
6. What to do if you have a complaint
|
|
If you wish to register a complaint, please contact us:
In writing: Write to the Compliance Manager at
UKinsurancenet,
Alton House, 27-31 Grange Road,
Darlington,
DL1 5NA.
By phone: 0845 365 1264
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS), telephone 0845 080 1800.
Website www.financial-ombudsman.org.uk.
|
|
7. Are we covered by the Financial Services Compensation Scheme (FSCS)?
|
|
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
|
|
Insurance
|
|
|
Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
|
|
Mortgages
|
|
|
Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.
|
|
Further information about compensation scheme arrangements is available from the FSCS.
|
|
