about our insurance services

Independent Financial Services (GB)

63 Meadway, Rochdale, Lancashire, OL11 3NP. UK

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 ?

X

We offer products from a range of insurers

We only offer products from Hitachi Capital for this web site for Mortgage Payment Protection Insurance, Income Protection, Accident Sickness Redundancy Cover, and none mortgage based income protection as a online service only. The insurers used on a specific insurance product will be named in the policy wording and policy summary.

X

We only offer products from a single insurer

3.

Which service will we provide you with ?

X

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 for Mortgage Payment Protection Insurance and income protection on this website. 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 this service ?

X

A fee of £0

No fee for Mortgage Payment Protection Insurance and income protection as a online service

You will receive a statement of price which will tell you about any other fees relating to any particular insurance policy.

Note: If you directly request from us as an independent advisory firm for general insurance, we can provide a 'whole of market' option for mortgage payment insurance, which will be based upon a appraisal on your specific needs and circumstances to determine a suitable protection insurance solution depending upon your needs and circumstances. We can also offer a Fee based arrangement, and not commission via the provider, part or whole of the commission may be rebated, please request in writing.

5.

Who regulates us ?

Independent Financial Services (GB), 63 Meadway, Rochdale, Lancashire. OL11 3NP is authorised and regulated by the Financial Services Authority. Our FSA Register number is 300740

Our permitted business is the provision of non investment insurances and mortgages.

You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.

6.

Ownership

Independent Financial Services (GB) is privately owned. No Insurer has any equity participation, we do not own shares or have voting rights in any insurer

7.

What to do if you have a complaint

If you wish to register a complaint, please contact us in writing at 63 Meadway, Rochdale, Lancashire OL11 3NP, or by phone on 0845 4860 786 or e-mail: complianceofficer@ifs.gb.com. 

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS)

8.

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 advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

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

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