Welcome to the Studio Help Section

Terms and Conditions

About our insurance services

Head office
Express Gifts Ltd, Clayton Business Park, Accrington, Lancashire, BB5 5JY.

The Financial Services Authority (FSA)
The FSA is an independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

Whose products do we offer?
We can only offer a product from a single insurer, Jubilee Lloyd's Syndicate 5820 for Purchase Protection.

Which service will we provide you with?
You will not receive advice or a recommendation from us for Purchase Protection. 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.

What will you have to pay us for our services?

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

Who regulates us?
Express Gifts Limited, Clayton Business Park, Accrington, Lancashire, BB5 5JY, is authorised and regulated by the Financial Services Authority. Our permitted business is the sale and administration of general insurance policies.

Our FSA reference number is 311908.
You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register [new window] or by contacting the FSA on 0845 606 1234.

What to do if you have a complaint about our insurance services
If you wish to register a complaint, please contact us:

...in writing
Write to - Express Gifts Limited Financial Services, Complaints Department, Clayton Business Park, Accrington, Lancashire, BB5 5JY.

...by phone
Telephone - 0871 376 99 61. Please contact the Careline for all other enquiries.

If you cannot settle your complaint with us, 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. Further information regarding insurance advising and arranging can be obtained from the Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers. Portsoken Street, London. E1 8BN, by phone on 020 7741 4100 and on their website at www.fscs.org.uk [new window].

If you have a complaint relating to our insurance services, please see details of how to make your complaint.

This product meets the demands and needs of those who wish to protect their purchases against accidental damage, loss by fire or flood and theft.