1The Financial Services Authority (FSA)

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

2Whose products do we offer?

• We offer products from a range of insurers.
• We only offer products from a limited number of insurers.
• We only offer products from a Cover-More Insurance Services Limited for travel insurance.

3Which service will we provide you with?

• 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 Travel 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.

4What will you have to pay us for our services?

• A fee.
• No fee.

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

5Who regulates us?

Right Cover Limited is an appointed representative of Cover-More Insurance Services Limited, Level 2, 31 Springfield Road, Chelmsford, Essex, CM2 6JE which is Authorised and regulated by the Financial Services Authority. Their FSA Register number is 312172.

Cover-More Insurance Services Limited permitted business is insurance mediation activities.

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.

6What to do if you have a complaint

If you wish to register a complaint, please contact us:

…in writingWrite to Right Cover Limited, Level 2, 31 Springfield Road, Chelmsford, Essex, CM2 6JE

…by phoneTelephone 01245 272372

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

7Are 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.

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