FSCS in-default register

HOWARD INSURANCE SERVICES

Declared in default29 September 2006FRN 119123

What this means for you

Because HOWARD INSURANCE SERVICES has been declared in default, you can't complain via the Financial Ombudsman Service in the normal way. Instead, eligible customers can apply to the Financial Services Compensation Scheme for compensation.

Background

Howard Insurance Services, a UK-regulated financial services firm (FRN 119123), was declared in default by the Financial Services Compensation Scheme on 29 September 2006. The firm's specific product offerings are not documented in available records. Former customers of Howard Insurance Services may be entitled to FSCS compensation of up to 90% of their claim with no upper limit, subject to the standard eligibility criteria for insurance-related complaints.

Products this firm wrote

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How to claim

  1. Check you were a customer of this firm during the period it was regulated.
  2. Gather your policy / advice / contract paperwork — start with anything you have in writing.
  3. Identify your loss and the date it crystallised.
  4. Apply via the FSCS online claim portal at claims.fscs.org.uk.
  5. The FSCS investigation typically takes 6–18 months. They will assess eligibility, liability and quantum.