This page details the process to follow to purchase insurance through Clubfinance. This process page assumes that you know which insurance product you require.

Please make sure that you obtain the current versions of our documents from our website [How?].

1. Combined Initial Disclosure Document - key facts about our service
It is important that you have information at an early stage including the nature and scope of the services that we may offer. Please read our Combined Initial Disclosure Document and print off a copy or store it on your hard drive for future reference.

2. Obtain an on-line no obligation quote
Please obtain an on-line no obligation quote for the particular insurance you are interested in. The links for each insurance product are as follows:

Term Life Insurance
Mortgage Protection Insurance
Family Income Benefit Insurance
Critical Illness Cover
Income Protection Insurance

Please note that quotations are valid for only a limited period of time, generally 30 days. In addition, unless you proceed to the personal illustration stage, it will be necessary to requote. If your circumstances change between the quotation being generated and the policy going into force, the premium may be affected. This includes passing a birthday, half-birthday (6 months after your birthday), or in some cases a quarter birthday (3 or 9 months after your birthday).

3. Proceed to the next phase of the quote to obtain a personal illustration
Please click the "next" button next to the insurance company and quote you are interested in. To generate the illustration, fill in the additional information including your occupation using the search facility (if requested). If you are having trouble searching for your occupation, try searching on a single word. Then click the 'proceed' button. Please be aware of any "notes" that are shown. You may at any stage go back to obtain further information relating to other quotes. This is important since the specific cover and terms offered will vary between policies.

4. Read the Key Features document, personalised illustration, and product brochure (if any)
It is important to read the insurance provider's Key Features (/key facts) and your personal illustration, key terms and product features vary between providers. You must either print off a copy or store it on your hard drive for future reference. If you feel you need any form of advice you must not use our service, we offer an execution-only service for individuals who require no advice, this is why our quotes are so low.

5. Read our (Clubfinance Ltd) Terms of Business
It is important you understand our Terms of Business, these apply to both insurance and investment business. You must either print off a copy or store it on your hard drive for future reference. Our Terms of Business are available on the screen with the personalised illustration in a combined document with Clubfinance's Combined Initial Disclosure Document (see step 1 above), and Clubfinance's Client Declaration (see step 8). You can access our Terms of Business on the link below:

Terms of Business

6. Download the proposal form (application form)
If you decide the insurance product chosen is right for you, then you must check the 'Personal Illustration', 'Key Facts Document' and 'Terms of Business / Initial Disclosure Document' check boxes to confirm you have read these documents. Then click the 'By Post' button to bring up the proposal (application form). In order to obtain the proposal form you must set your internet software to allow 'pop-ups' (please refer to your user manual if you have difficulties). If you are still experiencing difficulties you can use our e-mail address shown on our contacts page and we can e-mail or post a proposal form to you. You can also use the on-screen form to request a paper proposal.

7. Check if you need to provide identification
Identification is required under the European Union directives if the monthly insurance premiums exceed £50 (£600 per year if annual). Please view our identification requirements document for acceptable forms of identification should your premium exceed this amount. Identification must be provided for all parties to the transaction.

8. Print and complete the Clubfinance client declaration form
It is important that you fully understand our service and confirm to us that you have taken due care and diligence in choosing your insurance. The Client Declaration provides an important checklist and evidences to us your acceptance of our Terms of Business. We regret we cannot process an application unless we receive a signed copy of the client declaration form. You should also either print off a copy or store it on your hard drive for future reference. Please note, all parties to the insurance must sign the Client Declaration.

9. Complete the insurance provider's proposal form
The insurance provider's proposal form must be completed, signed and posted to Clubfinance along with the other required documentation. You should also either print off a copy or store it on your hard drive for future reference.

10. Post Proposal
NOTE: To benefit from our service, you must post your application to Clubfinance rather than the product provider
Please post your application and Clubfinance Client Declaration, including proof of name and address if required, to:

                   Insurance
                   Clubfinance Ltd
                   P.O. Box 1036
                   Hemel Hempstead
                   HP1 2WU

Other information
Please note that paper based insurance applications can take up to three weeks to process. Additional delays can occur if the underwriter requires further information such as a report from your GP or an additional questionnaire to be completed. If you have any specific deadlines, such as mortgage deadlines, please contact us as soon as possible to ensure they will be met. Some providers systems are quicker than others at processing applications.
Where possible Clubfinance will submit your application electronically to speed up the process.

If you have a specific query, please e-mail us using our e-mail address shown on our contacts page.

Clubfinance Ltd is authorised and regulated by the Financial Services Authority. Clubfinance offers an execution-only discount broker service; Clubfinance does not give advice or recommendations. If you have any doubt about the suitability of a particular product or service, or you require advice, you should seek a personal recommendation from an appropriate firm that does give advice. Clubfinance does not produce the products it arranges, or manage the underlying investments. Payments must not be made to Clubfinance, but to the relevant product provider. Contact details for Clubfinance can be found under ‘contact us’. Users of this website should be aware of the following:

• Past performance is not a reliable indicator of future results.

• The value of investments and the income from them can fall as well as rise as a result of market and currency fluctuations. For many types of investment, you may be placing your capital at risk, meaning that you may not get back the amount originally invested and you may risk losing your entire investment.

• Some investments and policies may only be suitable as medium or long-term products.

• Tax treatments depend on your individual circumstances and may be subject to change in future.

• This website contains financial promotions relating to services offered by and products available through Clubfinance.

• In the event of any conflict between product literature and information provided by Clubfinance, the product literature shall prevail.

The information on this website is intended solely for the use of those people who are United Kingdom residents for tax and investment purposes and is governed by our terms and conditions of website usage, please click here for details. It is not for distribution in any other jurisdiction, including the United States of America. Anyone who is not a UK resident should not continue with this site unless wishing to read about personal finances available to UK residents for informational purposes only.

©2004-2008 Clubfinance Ltd, all rights reserved.
Clubfinance Ltd. Registered Office: Charleston House, 13 High Street, Old Town, Hemel Hempstead, Hertfordshire, HP1 3AA
 Telephone: 01442 217 287, Fax: 01442 241 045
Registered in England, Registered Number: 04522114. Consumer Credit Licence Number: 608951
Clubfinance Ltd. is authorised and regulated by the Financial Services Authority (400139)