IMPORTANT
NOTICE
This is a service whereby
insurance-central-uk.co.uk, an intermediary, introduces you to insurance
which you can buy direct from authorised insurance providers and other authorised
intermediaries ("Insurers") in various ways including on the Insurers'
websites and by phone. insurance-central-uk.co.uk does not advise on or
recommend or sell, and is not responsible for or in connection with, any
insurance products or services. These are subject amongst other things to
the Insurers' separate terms and conditions which you should read. Your
use of insurance-central-uk.co.uk service / website, are subject to insurance-central-uk.co.uk
terms and conditions and privacy policy.
From the 14 January 2005, the
Financial Services Authority (FSA) have new regulations implement European
legislation - the Insurance Mediation Directive. These are in place to
protect the consumer. Insurance Central UK stongly recommend that you
should know your rights before commiting yourself to purchasing a product/service.
Your
rights (courtesy of the Financial Services Authority (FSA))
Shopping around is your responsibility. But you also have rights
to:
- firms that are
financially sound and trustworthy
- salespeople and
advisers who are competent
- information on
which to base your decisions
- clear procedures
for making a complaint
- compensation if
something goes wrong
The way that regulation
protects your rights varies according to the types of product you buy.
It also depends on whether you were given advice or whether you decided
to buy without advice.
With most products and services, the regulations give some protection
if you are negligently or fraudulently advised to take out a product which
turns out to be unsuitable. If you decide to buy without taking any advice,
you are responsible for your choice. If in doubt, get advice
Your rights are different depending on what type of insurance
you buy:
Home, motor and general insurance
Anyone can set themselves up as a general insurance adviser without any
licence or special training. But most advisers have joined a voluntary
system of regulation operated by the General Insurance Standards Council
(GISC). GISC members agree to abide by a code of practice.
Life insurance
The rules protecting you when you buy this type of insurance are the same
as for investments.
Term insurance
There is no investment element to term insurance. The Insurance Companies
Act 1982 and an ABI code of practice protect you when you buy.
http://www.fsa.gov.uk
Post
25
The North Colonnade,
Canary Wharf,
London
E14 5HS
Telephone
Main
switchboard
From UK: 020 7066 1000
From Overseas: +44 20 7066 1000
Consumer
Helpline (including Central Register authorisation queries)
From UK: 0845 606 1234 (call rates may vary)
From Overseas: +44 20 7066 1000
Firms
Contact Centre (for authorised firms only)
From UK: 0845 606 9966 (call rates may vary)
From Overseas: +44 20 7066 1000
Complaints
against the FSA
From UK: 020 7066 9870
From Overseas: +44 20 7066 9870
Fax
From
UK: 020 7066 1099
From Overseas: +44 20 7066 1099
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