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About Our Insurance Services

  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 only offer products from:
    St Andrew's Insurance plc and St Andrew's Life Assurance plc for Credit Care; and St Andrew's Insurance plc for Card Care.

  3. Which Service will we provide you with?

    You will not receive advice or recommendation from us for Credit Care or Card Care. 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?

    We will not charge any fees for advising and arranging this insurance.

  5. Who regulates us?

    Bank of Scotland plc is authorised and regulated by the Financial Services Authority. Bank of Scotland's FSA number is 169628. Registered Office: The Mound, Edinburgh, EH1 1YZ.

    Bank of Scotland's permitted business is arranging and selling general insurance and pure protection 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. Ownership

    Bank of Scotland, St Andrew's Insurance plc and St Andrews Life Assurance plc are connected companies as all are HBOS plc group companies.

  7. What to do if you have a complaint

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

    • by calling Customer Services on 0845 300 4706
    • by writing to us at:
      AA Visa Card Services
      Customer Services
      Pitreavie Business Park
      Dunfermline KY99 4BS

    We will then arrange for the right person to look into and respond to your concerns.

    If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, whose address is: South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone 0845 080 1800.

  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 £2000 and 90% of the remainder of the claim, without any upper limit.

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