About Oops Insurance

Oops Insurance is a trading style of Oops Insurance Services Limited. Oops Insurance Services Limited is an Appointed Representative of ES Risks Limited who are authorised and regulated by the Financial Conduct Authority. FCA Register Number 565023.

Oops Insurance Services Limited. Registered in England No. 11358305. Registered office address Autumn Park Business Centre, Dysart Road, Grantham, Lincolnshire NG31 7EU.

Our permitted business is advising and arranging deals in non-investment insurance contracts.

You can check this on the Financial Services Register by visiting the FCA’s website https://register.fca.org.uk or by contacting the FCA on 0800 111 6768.

When arranging insurance Oops Insurance acts as an insurance intermediary.

When we arrange insurance for you, we act on your behalf.

Our Culture

Along with the FCA, Oops aims to achieve the following outcomes through the Treating Customers Fairly initiative:

Our customers will always deal with a company who take your fair treatment seriously – it is part of our culture.

We make sure any products and services we market and sell to our customers are those designed to meet their needs.

Our customers will be provided with clear information and will be kept informed during every stage of sale.

Any information given to our customers will be suitable, relevant and take into account any individual circumstances.

Products and services you receive will perform as our customers have been led to expect by us and our services to you will be of an acceptable and professional standard.

There will be no post-sale barriers if our customers wish to change product, switch provider, make a claim or make a complaint.

We ensure these outcomes by making sure all of our staff completely understand the Treating Customers Fairly concept and offering a robust training scheme to enable them to develop the skills to provide the excellent and personal service we pride ourselves in.

We will always deal with enquiries expeditiously and with a service standard a customer would reasonably expect to receive.

Our services

The property Insurances we provide you with are on an information only service; therefore, you will not receive any advice or a recommendation from us.

Products we offer

We provide a wide range of insurance products from a large number of insurance companies. These products are clearly setout on our website. When we provide a quotation to you we will provide details of the insurer as well as all of the terms and conditions relating to the product. 

What you will pay for our services

For property insurances we will not charge a fee for general administration fee setting up a policy.

We may charge the following fees:

If you cancel your policy within 14 of the date of purchase fee you will not be charged a cancellation fee and will receive a full refund. If you cancel your policy after 14 days from the date of purchase, you may be charged a fee of £25.00.

If you wish to amend your policy we may charge a mid-term adjustment fee of £10.00.

If you choose to pay your annual premium on premium finance, provided by Red Apple Finance Ltd, then the following fees and charges will apply.

A late payment fee of £10.00 for each direct debit is not paid on time.

Commission

For general insurance we receive a commission from the insurer which is included in the price you pay.

What to do if you have a complaint

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

In writing: Complaints Department, Oops Insurance, Autumn Park Business Centre, Dysart Road, Grantham, Lincolnshire. NG31 7EU.

By telephone: 0345 548 1101

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. For more information, visit their website www.financial-ombudsman.org.uk

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 up to 100% of the claim, without any upper limit.