The Connected Contract Exemption (Article 72B of the Regulated Activities Order 2001) is a regulatory provision that allows UK retailers to distribute complementary non-life insurance products at point of sale without holding FCA authorisation as an insurance intermediary. It applies [...]
Attach rates vary significantly by product category, price point, and checkout presentation. The SGS Engineering deployment achieved an attach rate of between 10-20% depending on the category. Trade tools and high-value equipment categories typically perform well because the financial case [...]
Quotall (IS) Limited, as Appointed Representative of Movo Partnership (FCA #823503), provides the regulated infrastructure and holds responsibility for FCA compliance obligations. Claims handling is managed through Quotall's managed service. The retailer operating under the Connected Contract Exemption does not [...]
Deployment timelines vary, but with a managed infrastructure provider like Quotall, go-live is typically measured in weeks rather than months. The SGS Engineering deployment was live within 2 weeks of contract signature. The primary workstream for the retailer is the [...]
Yes, in qualifying circumstances. The Connected Contract Exemption (Article 72B RAO) allows retailers to distribute complementary insurance products without FCA authorisation as an insurance intermediary, provided the insurance is non-life, closely connected to the goods being sold, within the qualifying [...]
An embedded insurance ecommerce case study documents a real retailer's experience of adding insurance to their online checkout — covering the commercial case, regulatory route, technical deployment, and results. The SGS Engineering case study describes how a UK trade retailer [...]