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.
	We only offer products from a limited number of insurers.
	We only offer products from Supercover Insurance Plc.

3. Which service will we provide you with?

	We will advise and make recommendations 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 this service?

	No fee
	A fee.

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

5. Who regulates us?

Talkcover is a trading name of Treacle Ltd, which is an appointed representative of Supercover Insurance Plc, 204 Cumberland House, 80 Scrubs lane, London NW10 6RF which is authorised and regulated by the Financial Services Authority. Supercover Insurance Plc's FSA register number is 313806.

Supercover Insurance Plc permitted business is arranging, entering into and administering mobile phone and consumer electronic insurance contracts.

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. What to do if you have a complaint

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

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

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

Further information about the compensation scheme arrangements is available from the FSCS.