Initial disclosure document and terms of business

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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.

Whose products do we offer?

Through this website we offer products from a limited number of insurers for Household and Commercial Insurance. We also offer products from a single insurer for Pet, Travel and ASU insurance Please ask us if you would like a list of the insurers whose products we provide.

Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

Our service also includes: arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make.

What will you have to pay us for our services?

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

Who regulates us?

Central Electronic Trading Agency Limited, (CETA), CETA House, Cromwell Business Park, Chipping Norton, Oxfordshire, OX7 5SR is authorised and regulated by the Financial Services Authority. Our FSA Register number is 307824

Our permitted business is arranging, advising, dealing as agent and assisting in the administration of non-investment insurance contracts.

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.

Ownership

CETA Limited is a Private Limited Company and no Insurer owns any of our share capital. We do not own shares or have voting rights in any Insurer.

What to do if you have a complaint

If you wish to register a complaint, please contact us using one of the following methods.

In writing: CETA Limited, Complaints Department, CETA House, Cromwell Business Park, Chipping Norton, Oxfordshire, OX7 5SR

By phone: Telephone 0845 450 5360

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

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 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

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