Back to previous page

Key facts

about our insurance services

36 St Andrew Square
Edinburgh
EH2 2YB

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 offer products from a range of insurers for term assurance.

We only offer products from a limited number of insurers for term assurance.

We only offer our own products for term assurance

3. Which service will we provide you with?

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

You will not receive advice or a 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 us for our services?

A fee for term assurance

No fee for term assurance

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

5. Who regulates us?

The Royal Bank of Scotland plc, 280 Bishopsgate, London EC2M 4RB is authorised and regulated by the Financial Services Authority. Our FSA Register number is 121882. Our permitted business is advising and arranging life insurance, pensions and investments. 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.

6. Loans and Ownership

The Royal Bank of Scotland plc has entered into a joint venture with Norwich Union. These companies jointly own Royal Scottish Assurance plc and The Royal Bank of Scotland Collective Investment Funds Ltd.

7. What to do if you have a complaint

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

... In writing

Write to The Royal Bank of Scotland Customer Service, PO
Box 886, Bristol BS99 5LJ.

...by phone

Telephone 0800 919 328. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 6pm, excluding Bank Holidays. Calls may be recorded. If you have hearing or speech difficulties, please dial Minicom 0800 917 0526.

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

Further information about compensation scheme arrangements is available from the FSCS on telephone number 020 7892 7300.