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Homeprotect, po box 1124, kingston upon thames, surrey kt1 1xt


HomeProtect, PO Box 1124, Kingston Upon Thames, Surrey KT1 1XT

The Financial Conduct
The FCA is the independent watchdog that regulates financial services. Use the
Authority (FCA)
information in this document to decide if our services are right for you.
Whose products we offer
We offer products underwritten by AXA and other insurers. A full list is available
on request.

The service we will provide
We do not give advice, opinions or recommendations as to how much, or what,
you should insure for. We will provide information but you have to decide what
type and levels of cover are suitable for you.

What you have to pay for our
If you cancel the policy within 14 days after the renewal date of the policy,–
services
providing you have not made a claim, you will receive a full refund, less a charge
When you purchased your
policy you gave us
authorisation to use the
If the policy is cancelled after the first 14 days – You will receive a pro rata refund
credit/debit card you used (to
based on the time you have been covered (unless otherwise stated as an
pay the full annual premium
endorsement on your policy) less a cancellation charge of £50. If you have made
or the initial deposit if paying
a claim, no refund will be due. If you pay by instalments, please also refer to your
by instalments) to collect any
credit agreement with Premium Credit Limited. There is no refund payable on
outstanding premiums that
legal expenses cover, home emergency cover or key protection cover.
become due. If you cancel
your policy (or your direct
Other charges
debit instruction), and there is Duplicate documents - if you lose your hard copy documents and ask us to
premium still outstanding or

replace them, there will be an administration charge of £25. (You will have
any of the charges specified
received electronic versions of your policy documents, so long as you have
have become due, we will
provided us with a valid e-mail address).
collect the balance from your
Policy adjustments – we will charge £25 for any changes made to your policy
credit/debit card.
after the first 14 days.
Failed instalments – if you pay by monthly instalments, Premium Credit will
charge you £20 for each and every failed payment collection.

Who regulates us
HomeProtect is a trading style of Avantia Insurance Ltd, which is authorized and
regulated by the Financial Conduct Authority, registered number 304432.
Our permitted business is to offer consumers general insurance products. We
hold money as agent of the insurer.
You can check this information on the FCA’s Register by visiting the FCA’s
websit
or by contacting the
FCA on 0845 606 1234.

What to do if you have a
If you wish to make a complaint, please contact the Customer Relations Manager
complaint
at HomeProtect at the address at the top of this page or by telephone on 0845
371 2340.
If you cannot settle your complaint with us you may be entitled to refer it to the
Financial Ombudsman Service.
If you have a complaint regarding the cover or the service you experienced after
purchasing a policy from us, the complaints procedure is explained on your
policy schedule.

Your Premium
We will receive payment of your premium from you as agent for the relevant
insurer. Any refund of premium we receive from the insurer with regard to your
insurance is also received by us as agent of the insurer.

The Financial Services
We are covered by the FSCS. You may be entitled to compensation from the
Compensation Scheme
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.

HomeProtect is a trading style of Avantia Insurance Limited. Registered office address is 77-79 High Street, Egham,
Surrey TW20 9HY. Company Registration Number 4567760.
HP II/1 04/13

Source: http://www.homeprotect.co.uk/Media/307022/homeprotect-important-information.pdf

Medienmitteilung_2013_mai 14_weitere anträge_en

Press release issued by SCHMOLZ+BICKENBACH AG, 14 May 2013 Further proposals submitted by the Schmolz+Bickenbach KG / Renova shareholder group to the 2013 Annual General Meeting of SCHMOLZ+BICKENBACH AG Emmenbrücke, 14 May 2013 – The subsidiary of Schmolz+Bickenbach GmbH & Co. KG, Schmolz+Bickenbach Beteiligungs GmbH has written in conjunction with Renova Holding Ltd. to the Board

The world

LA LISTA DE PROHIBICIONES 2011 ESTÁNDAR INTERNACIONAL El texto oficial de la Lista de Prohibiciones será mantenido por la AMA y será publicado en inglés y francés. En caso de discrepancia entre la versión inglesa y las traducciones, la versión inglesa publicada eprevalecerá. Esta Lista entrará en vigor el 1 de enero de 2011. Lista de Prohibiciones 2011 18 de sep

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