Terms & Conditions
CMutual Group Limited, 280 Bishopsgate, London EC2M 4RB, England, United Kingdom
1. The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you. We only offer products from a limited number of insurers as follows:
2. Whose products do we offer?
Group Term Life Products
Maiden Life Försäkrings AB, UK Branch (Firm Reference Number 464517, UK establishment number BR023675) is authorised and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Its UK establishment office address is at Albion House Valley Centre Gordon Road, High Wycombe, HP13 6EQ, United Kingdom
Contractual Liability Insurance
Maiden General Försäkrings AB, UK Branch (Firm Reference Number 770565 UK establishment number BR023233) is authorised and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Its UK establishment office address is at Albion House Valley Centre Gordon Road, High Wycombe, HP13 6EQ, United Kingdom
CUPOP – Credit Union Package of Protection comprising Fidelity Bond and Office Insurance; Fidelity Bond, D&O and Professional Indemnity Insurance
American International Group UK Limited is authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN number 781109). American International Group UK Limited is registered in England: company number 10737370. Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB
Underwritten by Ecclesiastical Insurance Office plc, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales with registered number 00024869. Registered office at Beaufort House, Brunswick Road, Gloucester GL1 1JZ, England.
CFC Underwriting Limited are registered in England and Wales under company number 3302887 and have their registered office at 85 Gracechurch, London, EC3V OAA. Their main trading address is 85 Gracechurch, London, EC3V OAA. Our VAT number is 135541330.
CFC Underwriting Limited is authorised and regulated by the Financial Conduct Authority (FRN Register Number: 312848).
3. Which service will we provide you with?
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 our services?
You will not have to pay us a fee for our services. You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
5. Who regulates us?
CMutual Group Limited is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 304814. Our permitted business is insurance mediation. You can check this on the FCA’s Register by visiting the FCA’s website https://www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0845 606 1234.
6. What to do if you have a complaint
If you wish to register a complaint, please contact us:
By email: email@example.com
By phone: Telephone 0121 824 8100
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 90% of the claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS.
If you have any questions concerning your privacy, please contact us at: