Terms and Conditions
About our services
1. Financial Conduct Authority (FCA).
The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying
certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.
2. Whose products do we offer?
We offer products from a range of insurers for international medical insurance;
We offer products from a limited number of insurers for accident and term life insurance;
We offer products from a single insurer for income protection insurance;
We offer products from a single insurer for worldwide travel insurance.
3. Which service will we provide you with?
We will advise and make a recommendation for you after we have assessed your needs for international medical insurance and in some cases accident and term life.Where we make a recommendation we will advise you why. You will not receive a recommendation from us on worldwide travel insurance
because due to a lack of products in this market, there is little comparison we can make. In this case you will need to make a decision on whether to purchase the product from the information we have given you. You will not receive a recommendation from us on Income Protection insurance
because due to lack of products in this market, there is little comparison we can make. In this case you will need to make a decision on whether to purchase the product from the information we have given you. Where we are giving advice we will tell you.
4. What will you have to pay us for our services?
Generally you will not pay a fee for our services. We are remunerated by commission payments from the insurers whose products we
recommend. You will receive a quotation from us prior to taking out a policy and this will detail any
fees that may relate to a specific policy.
Expatriate Insurance Services Ltd
11a Forge Business Centre
Upper Rose Lane
Norfolk, IP22 1AP
5. Who regulates us?
Expatriate Insurance Services Ltd, 11a Forge Business Centre, Upper Rose Lane,
Palgrave, Diss, Norfolk, IP22 1AP, is authorised and regulated by the Financial Services Authority.
Our FCA Register number is 526928 Our permitted business is: advising on, arranging, and assisting with the administration of [non-investment] general insurance contracts (in this case medical and accident insurance, travel insurance or term life insurance).
Expatriate Insurance Services Ltd is NOT permitted to handle Client money. Any contracts we arrange will be paid directly by you to the insurer.
You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0845 606 1234.
Expatriate Insurance Services Ltd is a private UK company and the shares of the company are owned by the directors.
7. What to do if you have a complaint.
If you wish to register a complaint please contact us :
....in writing Write to
The Managing Director, Expatriate Insurance
Services Ltd, 11a Forge Business Centre, Upper Rose Lane,
Palgrave, Diss, Norfolk, IP22 1AP;
....by phone Telephone 01379 643098
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
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 upon the type of
business and the circumstances of the claim.
Insurance advising and arranging is covered for 90% of the claim with no upper limit.
Further information about compensation scheme arrangements is available from the FSCS.
Message from the Financial Services Authority
Think carefully about this information before deciding whether you want to go ahead.
If you are at all unsure about which product is right for you, you should ask your adviser to make a recommendation.
What our customers say
"From Christine & I, can I thank you for the prompt & courteous response to our plea for a refund on the double payment. It is really great to deal with a company which takes its customer service seriously...we will be recommending you whenever possible."
Gordon Hill (Canada)