Initial Disclosure

The Financial Conduct Authority

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

Whose products do we offer?

We offer products from several insurers for home insurance. A list of insurers is available upon request. We only offer products from a single insurer for the following:
• Home Emergency
• Legal Expenses
• Key Cover
• Garden & Fence cover

Which service will we provide you with?

You will not receive advice or a recommendation from us for your home insurance. 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. What will

What will you have to pay us for our services?

We do not charge any fee for the insurance services provided.

Who regulates us?

Insure4Retirement is a trading name of Insurance Dialogue Limited. Registered office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Company Number: 04683616. Insurance Dialogue Limited is an Appointed representative of Heath lambert Limited, which is authorised and regulated by the Financial Conduct Authority.
Our permitted business is assisting in the administration and performance of non-investment contracts of insurance. You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk or by contacting the FCA on 0800 111 6768.

What to do if you have a complaint

In the unlikely event that you are not satisfied with the level of service provided, we will endeavour to resolve your complaint as quickly as possible. If you wish to register a complaint regarding your home policy, please contact us using one of the following methods:

By telephone: 0800 5 610 144
By mail, to: Insure4Retirement, 3rd Floor, 100 Holdenhurst Road, Bournemouth, Dorset BH8 8AQ
Or email: customerservices@insure4retirement.co.uk

If you remain unhappy with the final decision and are unable to settle the complaints with us, you can contact the Financial Ombudsman within six months of the final decision being made, in the following ways:

By telephone: 0800 023 4567 or 0300 123 9123
By mail, to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR
Or email: complaint.info@financial-ombudsman.org.uk

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, the circumstances of the claim and the eligibility of the claimant.

How do we handle your money?

We may hold money on your behalf, either paid by you to be passed on to insurers or paid to us by your insurers, to be passed on to you. For your protection, money received from you, or to be paid to you will be held by us in accordance with the Financial Conduct Authority rules.

In most cases, we hold money as agent of the insurer under a ‘risk transfer’ process. Under risk transfer, we have an agreement with your insurer to hold money as their agent. Money we receive, either from you or from the insurer will therefore be the property of the insurer whilst we hold it. Therefore, if you pay money to us, it is treated as having been received by the insurer and if we do not pay it over to the insurer your policy will not be affected. Similarly, if the insurer pays claims money or a return premium to us for onward transmission to you and we do not pay you, then the insurer will still be liable to you. Where we do not use ‘risk transfer’, we will notify you separately.

How We Use Your Data

It is understood by You that any information provided to Us will be processed by Us, The insurer and Our agents for
the purposes of providing insurance, handling any claims and any other related purposes. Your information may also
be used for offering renewal, research and statistical purposes. Where You provide Us with personal or sensitive
personal data that relates to anyone other than You, You must obtain the explicit consent of that person for both the
disclosure and the use of that data. We may also provide Your information to third parties involved in providing
products or services to Us, The insurer, or to service providers who perform services on Our behalf. These include:

These include:

•    Our group companies;
•    affinity partners;
•    (re)insurers;
•    other insurance intermediaries;
•    insurance reference bureaus;
•    credit agencies;
•    medical service providers;
•    fraud detection agencies;
•    loss adjusters;
•    solicitors/barristers;
•    accountants;
•    regulatory authorities; and
•    as may be required by law

Your personal information may be transferred to a destination outside the European Economic Area (“EEA”). Where
We do this, We will take the necessary steps to ensure that Your information is treated securely and in accordance
with the Data Protection Act 1998, or any subsequent legislation.

In order to prevent and detect fraud We may at any time:

•    Share information about You with other organisations and public bodies including the police;
•    Check and/or file Your details with fraud prevention agencies and databases, and if You provide Us with false or inaccurate information and We suspect fraud, we will record this.

We and other organisations may also search these agencies and databases to:

o    help make decisions about the provision and administration of insurance, credit and credit related services for You and members of Your household;
o    trace debtors or beneficiaries, recover debt, prevent fraud and to manage Your insurance policies;
o    check Your identity to prevent financial crime, unless You furnish Us with satisfactory proof of identity;
o    undertake credit searches and additional fraud searches.

The Data Protection Act entitles You to apply for a copy of any personal data held about You by Us, for which We may charge an administration fee of £10, and to have any inaccuracies corrected.
For the purposes of the Data Protection Act, the Data Controller in relation to any personal data You supply to us is Insurance Dialogue Ltd trading as Insure for Retirement.