Your Guide to UK Insurance

1. Are the insurance websites listed in this website in any particular order?

No. The websites listed on E-Insurance Directory are not in any preferential order. All of the lists are structured in alphabetical order.

2. Will I receive unwanted spam or irrelevant emails?

NO! E-Insurance Directory has gathered your details as a result of your voluntary subscription. Any emails sent to you will be tailored to your insurance needs as closely as possible (we go by what information you enter during your subscription). E-Insurance Directory does not send ANY spam.

The E-Insurance Directory newsletter is sent out via email once a month to registered users. In addition, EID may send out exclusive insurance news and/or product details to the relevant subscribers. This will may be a regular occurence, and when this does occur it will not happen on more than two occasions per month.

EID will inform registered users if/when they will be sent insurance news or information by preferred insurance providers.

3. Does EID recommend any of the websites?

No. The websites listed on E-Insurance Directory are in alphabetical order. All of the insurance category lists are structured in alphabetical order. Any listings with a distinct different colour to the rest signifies a sponsored entry -this means that the company has paid for the privilege of having a highlighted entry.

4. Are all the insurance websites listed regulated by the correct authorities (FSA, GISC, BIBA, IBA)?

No. To the best of EID’s knowledge, ALL the companies listed in this site comply with at least the basic rules, regulations, and standards as set out in the relevant insurance standards laws, standards, and codes of conduct. NOT ALL companies listed in this site are members of the GISC. To find complete and up-to-date lists of GISC members, please visit the GISC website.

The Financial Services Authority (FSA) will be taking over the regulation of general insurance and mortgages from January 2005. All insurance firms will have to abide by the new FSA regulations from that point.

Those firms whose applications the FSA has refused or to whom the FSA has sent a warning notice before 14 January so that they can carry on doing general insurance business while disputed applications are determined through the usual channels. These will include the Financial Services and Markets Tribunal if a firm chooses to exercise its right to take its case there. The trigger for the transitional to apply to category such firms is the FSA issuing a warning notice before 14 January.

The FSA Handbook for Small Mortgage and Insurance Intermediaries. The Guide to the FSA Handbook for Small Mortgage and Insurance Intermediaries will help mortgage and insurance intermediaries who are authorised by the FSA or have decided to seek authorisation to find the rules in the FSA Handbook of Rules and Guidance (the Handbook) that apply to them.

This Guide is primarily intended for small intermediary firms carrying on: mortgage mediation activities in relation to regulated mortgage contracts; insurance mediation activities (but not reinsurance mediation) in relation to general insurance contracts or pure protection contracts (except long term care insurance), collectively known as 'non-investment insurance contracts'; or both; from a permanent place of business in the UK.

5. Is buying insurance online always cheaper?

No. Buying insurance online CAN be a less expensive means to obtain insurance. This is one of the main selling points to buying insurance online. It can be cheaper but this is no reflection of the quality of the insurance. Thorough shopping around for the best deal online and/or off-line will usually yield the most favourable price.

6. Is buying insurance online safe?

Yes. Buying insurance online can be a safe and secure means of purchasing insurance. All firms who include online transaction as part of their website ensure that the transaction process is done via a secure server that is monitored strictly for any invasion and/or security breaches. Sites operating with online transaction processes usually display a secure trademark such as a Padlock image.

7. Can EID provide any information regarding specific products and brokers?

No. EID by means of it’s corporate alliances with many insurance firms and brokers WILL endeavour to send tailored information to customers who request it. The queries should be forwarded to EID by via the ‘Contact Us’ or ‘Register’ pages of this site.

8. Are the websites listed here all that exist in the UK?

No. The websites listed in this website are the ones that our team of researchers have found or websites that contacted us to be included in this site. New sites that are produced will be added upon discovery or from contact from the new site web producers.