CCRC Initial Disclosure Document

1. Whose products do we offer?

We only offer products from:-

St Andrew’s Insurance plc for Card Care; and Halifax Insurance Ireland Limited and Halifax Assurance Ireland Limited for Credit Card Repayments Cover.

2. Which Service will we provide you with?

You will not receive advice or recommendation from us for Credit Card Repayments Cover or Card Care.  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.

3. What will you have to pay us for our services?

We will not charge any fees for advising and arranging this insurance.

4. Who regulates us?

Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ is authorised and regulated by the Financial Services Authority.  Bank of Scotland plc's FSA registered number is 169628.

Bank of Scotland plc's permitted business is arranging and selling general insurance and pure protection 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.

5. Ownership

Bank of Scotland plc, St Andrew's Insurance plc, Halifax Insurance Ireland Limited and Halifax Assurance Ireland Limited are connected companies as all are HBOS plc group companies.

6. What to do if you have a complaint

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

Call Customer Services on 0845 604 7000
Write to us:
Customer Services

Pitreavie Business Park

Dunfermline

KY99 4BS

We will then arrange for the right person to look into and respond to your concerns.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, whose address is: South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone 0845 080 1800.

7. 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 £2000 and 90% of the remainder of the claim, without any upper limit.

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

Where we or our appointed representative receive or hold premiums, premium refunds or claims payments when arranging or administering any insurance for you, we or our appointed representative will hold that money as agent for the insurer providing the insurance.