Reach Insurance

Financial Services Authority (FSA)

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

Insurance Products

We offer a range of commercial insurance products for your business

What service do we provide?

• We will assess your commercial insurance requirements
• We will give you a no obligation quotation from Premierline Direct a brand of Allianz Business Services Ltd
• We will ensure our service meets FSA standards and act fairly and reasonably with clients

Fees and charges

We make no charges for arranging the appropriate commercial insurance other than the premiums you will be quoted

Your personal information

We and anyone else involved in providing your insurance, will treat all your personal information as private and confidential (even when you are no longer our client) and retain it only for as long as necessary to meet regulatory or legal requirements

We will not disclose anything to anyone concerning your personal data, except where:

• we are legally compelled to do so
• there is a duty to the public to disclose
• our and your interests require disclosure
• you ask us to or give us permission to do so

Who regulates us?

Reach Insurance Services Ltd. is directly authorised and regulated by the FSA and our authorisation number is 493566

You can check the FSA register by visiting their web site at www.fsa.gov.uk/register

or telephone them on 0845 606 1234 during normal working hours

Ownership

We have no financial interests in any insurer or underwriter of the insurance products that we arrange and they have no financial interest in us. Reach Insurance Services Ltd. is a privately owned company

Complaints

Firms directly authorised by FSA have a documented Complaints procedure, and a copy of ours is available upon request. Should you have a complaint, please put it in writing to:

The Complaints Manager Reach Insurance Services Ltd., 101 Wellsway, Keynsham, Bristol, BS31 1HZ or email: enquiries@reachinsurance.co.uk

In the unlikely event that a complaint remained unresolved after 8 weeks from the date it was made, you may be able to refer it to the Financial Ombudsman Service (FOS). The FOS provides a mechanism for resolving disputes which is a simple, informal and accessible alternative to the courts. Their address is:

The Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall. London E14 9SR

The financial services compensation scheme (FSCS)

As with all firms directly authorised by the FSA, Reach Insurance Services Ltd is covered by the FSCS. This is the body established to operate and administer the compensation scheme, set up by major insurance companies, to compensate consumers when authorised firms are unable, or likely to be unable, to satisfy claims against them.

As from 1st January 2010, compensation limits vary depending upon the type of insurance claim.  Compulsory Insurance (e.g. motor insurance) remains unchanged and is covered for 100% of the claim with no upper limit.  Non-compulsory insurance (e.g. home and general insurance products) however, is covered up to a maximum of 90% of the claim with no upper limit.  Insurance advice and arranging insurance will also be covered up to 90% with no upper limit.