Sturgess Initial Disclosure Document

 Welcome, and thank you for choosing Sturgess of Leicester, a wholly owned family company, founded in 1897.  

At Sturgess of Leicester our aim is to provide you with the very highest level of customer service before, during and after the purchase of your new car. Our reputation is dependant on our honesty, integrity and professionalism and we go to great lengths to provide a high quality service. Rest assured that this service commitment is our priority throughout the entire buying experience

and none more so than offering assistance in selecting an insurance product that meets your individual requirements.  

The Financial Services Authority (FSA)

The Financial Services Authority is the independent watchdog formed by the Government that regulates the Financial Services Industry. It requires us to give you this document. Please use this document and the information contained within it to decide of our services are right for you.  

Whose products do Sturgess offer?

We offer a limited number of products from a limited number of FSA regulated insurers. A full list of insurance providers is readily available upon request.  

Which services will we provide you with?

We will advise and make a recommendation for you after assessing your demands and needs for Guaranteed Asset Protection, Mechanical Breakdown Insurance, MOT Insurance, Motor Insurance, Tyre Insurance and Mishap Insurance. We may ask some questions to narrow down the selection of products that we provide details on. However, ultimately it will be your decision as to which products are selected.  

Who regulates us?

Sturgess of Leicester are authorised and regulated by the Financial Services Authority. Our FSA registration number 310258. You can check this on the FSA Register by visiting the FSA’s website www.fsa.gov.uk/register or is contacting the FSA on 0845 6060 1234.  

Will you have to pay for our services?

No, our services are free of charge

What to do if you have a complaint?

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

Compliance Officer, Sturgess of Leicester, 445 Narborough Road, Leicester LE3 2RE,

T: 0116 282 6868

E: complaints@sturgesscars.co.uk  

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

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

Sturgess of Leicester have produced this document in relation to the sale of General Insurance Products.  

We will:  

Provide you with clear information about the products and the services we offer, including fees and charges .

Ascertain your individual needs, preferences and circumstances before recommending a General Insurance Product.  

Only recommend a product that we consider suitable for you and that you can afford - and always the most suitable from the available options.   

Not recommend a product if we can’t find one we consider suitable.  

Encourage you to ask if there is something you do not understand.  

Present all products in a clear and easy to understand format, both visually and auditory.  

Give you access to our formal complaints procedure should you become unhappy with our service.  

Give you access to our providers complaints procedure should you become unhappy with the product provided or wish to make a claim.  

“Our aim is to give customers clarity and the most appropriate advice.”  

How you can help us. 

To help us give you the most appropriate advice we will ask you to:  

Tell us as much about you and your lifestyle, to enable us to properly assess which product is best suited to your needs and circumstances.  

Let us know if there is any aspect of our service, or our products we have discussed or recommended that you didn’t understand.  

Tell us if you think there are ways we can improve our service.