Yes, in full. Article 72B exempts the distribution activity, not the promotion. Any communication inviting or inducing a customer to buy insurance remains a financial promotion under section 21 of FSMA and must meet ICOBS 2.2 and the Consumer Duty. [...]
Quotall (IS) Limited is itself an Appointed Representative of Movo Partnership — it doesn't act as principal directly. Where a retailer wants to distribute as an AR rather than under the CCE, Quotall sources and advises on the appropriate principal [...]
The CCE removes the authorisation requirement for cover closely connected to the goods a retailer supplies, subject to conditions including a €600 annual premium ceiling (€200 for services lasting three months or less). The AR route carries no premium ceiling [...]
Yes. The retailer doesn't apply for its own permissions — the principal's permissions cover the activity. What the retailer does take on is the operating discipline the principal has to oversee: training, records, complaints, and approval of customer-facing communications. The [...]
An Appointed Representative is a firm that carries out regulated activities under a written agreement with an FCA-authorised principal, which accepts regulatory responsibility for those activities. The AR doesn't hold its own authorisation and can only do what its principal [...]
Retailers earn commission on each insurance policy sold at checkout. The commission is a percentage of the premium paid by the customer. The insurer underwrites the risk; the retailer earns the distribution margin without holding any underwriting exposure. Because there [...]
With Quotall's managed service, new embedded insurance propositions can typically be live within weeks of commercial agreement. The managed service covers insurer relationships, regulatory setup, product configuration, and operational support — significantly reducing the retailer's internal overhead. The API integration [...]
Any product where the customer faces a meaningful risk of loss, damage, theft, or breakdown is a candidate for embedded checkout insurance. Common categories include power tools, electronics, bicycles and e-bikes, jewellery, specialist equipment, and high-value consumer goods. Products priced [...]
Yes, in most cases. Two routes exist: the Connected Contract Exemption (Article 72B RAO), which allows retailers to distribute complementary insurance products alongside their goods without FCA direct authorisation as an insurance intermediary, provided qualifying conditions are met; and the [...]
Embedded insurance for retailers is protection cover offered to customers at the point of purchase — during the checkout process, online or in-store. The cover is directly connected to the product being bought, allowing the customer to insure their purchase [...]