In about six months time, I will begin my application for registration with the FSA and there are a number of important issues that have to be dealt with. One client's money cannot be used to pay the premium of another. You can only pay the insurer when the client has paid in full. Clients need policy summaries, demands and statements. Are insurers and software houses liaising on this?

Clients must have entitlements within five working days of receipt. What about insurers' delays of up to 60 days on cancellations?

What about the increasing tendency for insurers to include admin charges that are not advised to the clients? These are a few issues that need resolving soon, and guess how much I have heard from the insurers and my software house.

John Gray
Whitley Bay

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