Terms of service

FeeProtect.com is a trading name of Pendulum Holdings Ltd (company number 09936643), registered at 35 Hillary Road, Cheltenham, Gloucestershire, GL53 9LB. Pendulum Holdings Ltd is an introducer appointed representative of Straight Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA reference 315448). You can check this on the FCA register at register.fca.org.uk.

The product
FeeProtect.com offers Tax Investigation Insurance. The policy is issued by Straight Solutions Ltd under a delegated binding authority, administered by ARAG plc, and underwritten by ARAG Legal Expenses Insurance Company Limited. Full details of who does what are set out in the policy wording, which is sent to you with your policy schedule.

How we sell
We sell on a non-advised basis. We give you the information you need — including the policy wording and key facts — so you can decide for yourself whether the cover meets your needs. We do not assess your circumstances or recommend whether this policy is suitable for you. If you are unsure, you may wish to take independent advice before buying.

Placing an order
When you complete checkout you receive an order confirmation. This is not confirmation of cover. Each application is reviewed before a policy is issued. Once accepted, you receive a second email containing your policy schedule, the policy wording and key facts. Cover begins on the start date shown on your schedule.

If we cannot accept your application, we will tell you and refund any payment in full.

Information you give us
You must give complete and accurate information when applying, during the policy and at renewal. If you do not, your cover may be invalidated and a claim may not be paid in full or at all. Please check your policy schedule carefully when it arrives and tell us straight away if anything is wrong.

Price and payment
Prices shown on this website include Insurance Premium Tax at the current rate. Payment is taken in full at checkout. We are paid by commission from the insurer; we do not charge separate fees.

Cancellation and refunds
Your cancellation rights are set out in our Cancellation and refund policy and in your policy wording.

Claims
If you need to make a claim, contact ARAG directly — online at arag.co.uk/newclaims or by phone on 0330 303 1955 (9am–5pm weekdays). Do not instruct an accountant or other adviser before ARAG has agreed the claim, as costs incurred without consent are not covered.

Complaints
Complaints about the sale of the policy: The Managing Director, Straight Solutions Ltd, The Lime Loft, Priestlands Lane, Sherborne, Dorset [DT9 4HL — confirm postcode], telephone 01935 389812.

Complaints about the policy itself or a claim: ARAG plc Customer Relations, 9 Whiteladies Road, Clifton, Bristol BS8 1NN, customerrelations@arag.co.uk, 0117 917 1561.

If your complaint is not resolved to your satisfaction you may be able to refer it to the Financial Ombudsman Service: Exchange Tower, London E14 9SR, 0800 023 4567, financial-ombudsman.org.uk.

Financial Services Compensation Scheme
The insurer is covered by the FSCS. You may be entitled to compensation if the insurer cannot meet its obligations. Details at fscs.org.uk.

Your data
How we use your personal data is set out in our Privacy policy. ARAG's privacy statement is at arag.co.uk.

Law
These terms and the policy are governed by English law.