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Initial Disclosure Document |
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- about our services |
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| 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.
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| 2. Whose products do we offer? |
Insurance |
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We offer products from a range of insurers. |
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We only offer products from a limited number of insurers for
Life Assurance, Critical Illness, Payment Protection, Accident, Sickness
and Unemployment, Buildings and Contents Insurance and Permanent
Health Insurance |
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Ask us for a list of the insurers we offer insurance from. |
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We only offer products from a single insurer. |
Mortgages |
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We offer mortgages from the whole market. |
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We only offer mortgages from a limited number of lenders.
Ask us for a list of the lenders we offer mortgages from.
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We only offer mortgages from a single lender. |
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| 3. Which service will we provide you with? |
Insurance |
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We will advise and make a recommendation for you after we have assessed
your needs for Life Assurance, Critical Illness, Mortgage Payment Protection,
Accident, Sickness and Unemployment, Buildings and Contents and
Permanent Health Insurance.
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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.
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Mortgages |
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We will advise and make a recommendation for you after we have assessed your needs. |
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You will not receive advice or 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. |
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| 4. What will you have to pay us for this service? |
Insurance |
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No fee |
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You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. |
Mortgages |
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No fee, we will be paid commission form the lender. |
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You will receive a key facts illustration when considering a particular mortgage which will tell you about any fees relating to it. |
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5. Who regulates us? |
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Fenton Simpson Financial Services is authorised and regulated by the Financial Services Authority.
Fenton Simpson Financial Services FSA Register number is 302926
Fenton Simpson Financial Services permitted business is advising on and arranging mortgages and non investment insurance contracts.
ou 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. |
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6. What to do if you have a complaint? |
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If you wish to register a complaint, please contact us:
…in writing Write to: Mr C Simpson, Fenton Simpson Financial Services, Innovation Centre, York Science Park, Heslington, York, YO10 5DG.
… by phone Telephone: 01904 435185
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. |
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7. Are we covered by the Financial Services Compensation Scheme (FSCS)? |
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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 |
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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 |
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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. |
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Further information about compensation scheme arrangements is available from the FSCS. |
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