About us
Fresh Start is a scheme operated by Culpeck Insurance Services Limited. Culpeck Insurance Services Limited is authorised and regulated by the FSA (Financial Services Authority). All the insurance services contained within this website are arranged and administered by Culpeck Insurance Services Limited which is a registered Insurance Broker.
1. 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.
2. Whose products do we offer?
We only offer products from a single Insurer for household insurance under our Fresh Start scheme.
3. Which service will we provide you with?
You will not receive advice or recommendation from us. 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.
4. What will you have to pay for our services?
We do not charge a fee for preparing and offering a quotation.
However, please refer to our Terms of Business which outline all charges we make for our services. Any policy placement fee will be advised to you at the same time as the premium is advised.
5. Who regulates us?
Culpeck Insurance Services Ltd, Vinpenta House, 4 High Causeway, Whittlesey Peterborough PE7 1AE is authorised and regulated by the Financial Services Authority. Our FSA Register number is 311756.
Our permitted business is that of arranging general insurance contracts. We do not arrange Life Insurance, Pensions, Investments etc.
You can check this information 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
6. What to do if you have a complaint
Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service.
If you have any questions or concerns about your policy or the handling of a claim you should, in the first instance, contact us:
….in writing At: Culpeck Insurance Services Ltd, Vinpenta House, 4 High Causeway, Whittlesey, Peterborough PE7 1AE
….by phone On: 01733 208278
If you are still unhappy with any issue connected with the handling of your insurance policy or claim then you should direct your enquiry in writing to:
The Customer Liason Officer, Plum Underwriting Ltd, 145 Leadenhall Street, London, EC3V 4QT
In the event that you remain dissatisfied you can refer the matter to Policyholder & Market Assistance at Lloyd's. The contact details are: Policyholder & Market Assistance, Lloyd's, One Lime Street, London EC3M 7HA. E-mail: complaints@Lloyds.com
Complaints that cannot be resolved by Lloyds Policyholder & Market Assistance may be referred to the Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaints process.
This complaint procedure is without prejudice to your right to take legal proceedings.
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 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS (www.fscs.gov.uk).
UNLOCK - the National Association of Reformed Offenders
We have a good working relationship with UNLOCK the National Association of Reformed Offenders. UNLOCK is a registered charity, governed by a Board of Trustees and funded by donations. It is a unique organisation founded in 1999 by a group of reformed offenders, each of whom, in their own way, successfully rebuilt their lives after serving prison sentences. They claimed no accolade for this, but they rightly claimed experience of the great difficulties faced by those coming out of prison. They have had first hand experience of the many problems faced by former offenders; especially those who genuinely want to "go straight" in a society which always finds it hard to forgive and forget.
To find out more about the services and support UNLOCK provide to individuals with criminal convictions visit their website at www.unlock.org.uk
