about our insurance services

145 Newgate Street
Bishop Auckland
Co Durham
DL14 7EN

[] We only offer products from a limited number of insurers for most other products.

Ask us for a list of insurers we offer insurance from.

[] 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.

[] A fee of NIL for arranging the policy and providing advice provided the premium exceeds £50.00
[] A fee of £5.00 for arranging a policy if the premium does not exceed £50.00
[]  We do not charge for Debit or Credit card payments
[] A fee of 2% (minimum £10.00) to cover the work we have done should you decide to cancel any policy during the initial 14-day 'cooling off' period
[] A fee of £16.00 for processing any adjustment to your policy. This fee is payable when we have instructed the insurance provider or processed the adjustment. If the adjustment results in a return premium of less than £16.00 then the fee will be the return premium only.
(All fees will be deducted from the refund when received by the insurance provider and the balance paid to you)

[] A fee of £16.00 for reviewing your demands and needs at renewal of your policy and making our recommendation. This fee will be payable upon renewal of your policy or the inception of a replacement policy.
[] A fee of £28.00 should you wish to pay the insurance premium by instalments to us. The fee is spread over the instalments. We offer a maximum of 4 instalments (including the initial deposit) at monthly intervals. A separate credit agreement is required.
[] We offer premium finance in many cases where the premium is paid by monthly direct debit. We do not charge for offering this facility but you may have to pay interest on the amount funded - typically 10%. We may receive a commission from the premium finance provider (typically 2%)
[] We are normally remunerated by commission paid by the insurance undertaking with whom we place your policy (and provide details on request). If we receive no commission we will charge a fee not exceeding £50.00 
[] If you cancel your policy after the fourteen day period we will make a charge comprising of  a fixed amount of £16.00, any fees and any commission that we have to refund to the insurance provider. 
[] You will receive a quotation that will tell you about any other fees relating to any particular product e.g. fees charged by the placing broker, before you accept the quotation.

Our permitted business is insurance mediation in relation to non-investment insurance contracts.

You can check this on the FCA's Register or by visiting the FCA's website  https://register.fca.org.uk  or by contacting the FCA on 0800 111 6768

Insurance advising and arranging is covered for 90% of the claim without any upper limit.

OR

For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.