UPI - Unoccupied Property Insurance

The directors of UPI have a wealth of experience in specialist insurance markets.

Stephen Ennis is the proprietor of Enni-Scheme Insurance Services and has over twenty years’ insurance experience with major UK banks and insurance companies.

Les Cooper has amassed over twenty years’ London market experience and has recently been engaged by several major Lloyd's Brokers to assist with both technical and administration consultation.

**Key Facts about our insurance services:**
1	The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
2.	Whose products do we offer? We offer products from a selection of insurers
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? A fee for arranging your insurance, together with a fee for any mid-term changes to your policy may be charged. This will be outlined in your quotation. You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
5.	How do I make a Claim? Simply telephone the 24 hour claims hotline as detailed in your policy document or call Enni-Scheme on 01474 355322 between the hours of 9.00am to 5.00pm.
6.	What if I change my mind and want to cancel my policy? You have the right to a 14 day cooling off period and must notify UPI within that period of your decision. We may refund the full premium excluding our admin charge. Should you wish to cancel your policy after 14 days this request should be given in writing. Please note there is no return premium for policies cancelled after 14 days.
7.	Who regulates us? UPI is a trading style of Enni-Scheme Commercial Insurance Services, Alexandra House, Royal Pier Road, Gravesend, Kent DA12 2BD which is authorised and regulated by the Financial Services Authority. Our FSA Register number is 306857. Our permitted business is arranging general insurance contracts. You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
8.	Ownership Mr S R Ennis owns 50% of UPI. Mrs K R Ennis owns 50% of UPI.
9.	What to do if you have a complaint If you wish to register a complaint, please contact us: In writing, to: UPI, Alexandra House, Royal Pier Road, Gravesend, Kent DA12 2BD By Telephone: 01474 355322 By Fax: 01474 355311 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Services
10.	Are we covered by the Financial Services Compensation Scheme (FSCS)? YES. 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 Financial Services Compensation Scheme (FSCS).