About Our Insurance Services

Protectyourthings

111 Bramston Street

Brighouse

HD6 3AQ

1. The Financial Conduct Authority (FCA)

The FCA 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.

2. Whose products do we offer? 

i.  We offer products from a range of insurers for household, motor, commercial vehicle and commercial insurance.

ii.  We can only offer products from a limited number of insurers for travel insurance.

     We offer Travel Insurance through Axa, Towergate, Insure2travel Alpha and Sunworld.

iii.  We can only offer a product from a limited number of insurers for motor, home & commercial legal expenses. The companies we use are Co-Plus & Alps.

3. Which service will we provide you with? 

i. We will advise and make a recommendation for you after we have assessed your needs, when discussing home, motor, travel and commercial insurance.

4. What will you have to pay us for this service?

i.  We do not charge fees for New Business, Renewal, Cancellation or Mid Term Adjustments.

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

5. Who regulates us?

KIS financial solutions of 111 Bramston Street, Brighouse, HD6 3AQ is authorised and regulated by the Financial Conduct Authority.

Our FCA Register number is 302556.

Our permitted business is arranging general insurance contracts

You can check this on the FCA's Register by visiting the FCA's website www.fca.gov.uk/register/ or by contacting the 

FCA on 0345 606 1234.

7. What to do if you have a complaint

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

… in writing Write to Protectyourthings, 111 Bramston Street, Brighouse, HD6 3AQ

… by phone Telephone 01484 712300

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 on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Or for compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS.

Protectyourthings is a trading name of KIS financial solutions

Our Service

KIS financial solutions is a Insurance Intermediary acting on your behalf in arranging your general insurance needs. As part of our service, we will assist you with any claim you need to make, including if required, the recovery of any uninsured losses you may incur.

We offer a wide range of personal insurance products and have access to leading insurers in the marketplace.

Charges

In addition to the premiums charged by insurers, we are allowed tomake charges to cover the administration of your insurance.

We do not charge fees for New Business, Renewal, Cancellation or Mid Term Adjustments.

Payment Methods

We normally accept payment by guaranteed cheque, cash and most credit and debit cards. In addition to this it is usually possible for you to spread your payments through insurers, this normally incurs a credit charge, details would be explained prior to you committing.

Customer Protection

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services., to ensure that general insurance customers are treated fairly. 

We are members of and regulated by the Financial Conduct Authority.

It is our intention to provide you with a high level of customer service at all times. If you should wish to make a complaint about our service, we have a formal complaints procedure. In the first instance you should contact us in writing or by phone, or you can email us. Please address your complaint to 

KIS financial solutions, Complaints officer, 111 Bramston Street, Brighouse, HD6 3AQ

or

Tel (01484) 605931 

Email info@kisfinancialsolutions.co.uk

We will acknowledge receipt of your complaint within 5 working days and give you our response to your complaint at this time, if we can. If our investigations takes longer, we will provide you with a full written response within 20 working days, or explain the current position of your claim and provide you with a timescale for a full reposnse.

Should you not be satisfied with our final response, you have access to the Financial Ombudsman Service. They may be contacted at

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

Tel 0845 080 1800

Fax 020 7964 1004 

Email complaint.info@financial-ombudsman.org.uk

Web www.financial-ombudsman.org.uk

 Your Duty of Disclosure

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy and when you renew your insurance.

It is important that you ensure that all statements you make on proposal forms, claim forms and other documents are full and accurate.

Please note that if you fail to disclose any material information to your insurers, this could invalidate your 

insurance cover and could mean that part or all of your claim may not be paid.

We strongly recommend that the information provided is checked thoroughly prior to submission and that you keep a record of all correspondence supplied in relation to the arrangement of your insurance cover.

Issue of Documentation

We may keep certain documents such as your insurance policy and/or certificates of insurance until we receive full payment of premiums.

In these circumstances we will ensure that you receive full details of your cover and any documents that you require by law.

Confidentiality

All information held by us in relation to you will be treated with the utmost confidence and, where appropriate, in accordance with data protection legislation.

Under the data protection act 1998, you have the right to see personal information about you, that we hold in our records. If you have any queries then please write to Ian Holmes at our usual address.

We may use information we hold about you to provide information to you about other products and services, which we feel may be appropriate to you.

Fraud Prevention

Insurers may pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd. The aim is to help insurers check the information provided and also to prevent fraudulent claims.

When your request for insurance is dealt with, the register may be searched. When you provide information about a claim this may be passed to the register.

Contact Us

If you have any queries regarding anything contained in this letter, then please do not hesitate to contact ourselves. Our usual address is 

Protect Your Things

111 Bramston Street

Brighouse

HD6 3AQ

Tel (01484) 712300

Email info@protectyourthings.co.uk

TOBA/GI/01.01.19

So why do we sell products that have a low premium and have to sell such large volumes to make a profit? Because we don't just sell these add on products. We have been an Insurance Brokers since 1993, so we have a large client base of customers who have Home, Motor, Travel, Liability, Business Insurance with us.

So selling small premium policies like Home Emergency Cover to new clients, gives us more people to talk to about our other services. Don't get us wrong, we don't do this in a pushy way. You won't get bombarded (at all) with emails and phone calls, but the law of averages says that some of these new clients will buy other products from us over the years.

In addition, we are also Fee Free Independent Mortgage Brokers, so selling Home Emergency and Landlord Home Emergency cover means that we are naturally talking to customers who own property and buy property. These are the people that we want to talk to, because we can help them with their mortgages and generally they are more than happy to talk to us because unlike the majority of Mortgage Advisers, we don't charge broker fees.

So as you can see, whilst we are busy fools, there is some method in our madness. All of what we do is cheap advertising for other products that may be of interest to you.

We keep our prices low, which allows us to sell more products and services, which means we keep our prices low.

So, when you look at our products and think they are too cheap, relative to other products in the marketplace, hopefully you will understand and have confidence that you are getting a quality product at a competitive price because of our low cost marketing plan.

Financial  Products

• Life Cover
• Critical Illness
• Income Protection
• Whole of Life Cover
• Pre Paid Funeral Plans
• Family Income Benefit
• Redundancy Cover

Mortgage Clients We Can Help

• First Time Buyers
• Home Movers
• Remortgage
• Buy to Let
• Limited Company Buy to Let
• Debt Consolidation
• Capital Raising
• Equity Release
• Lending into Retirement