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Investment Discounts On-Line Limited
3 Mason Court,
Gillan Way,
Penrith 40 Business Park,
Penrith,
CA11 9GR

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

2. Whose products do we offer?

We offer products from a range of insurers.

We only offer products from a limited number of insurers.

  We only offer products from a single insurer.

3. Which service will we provide you with?

  We will advise and make a recommendation for you after we have assessed your needs.
  You will not receive advice or a recommendation from us for long term income protection products. 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.
  No fee for arranging non investment insurance contracts.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy

5. Who regulates us?

Investment Discounts On-Line Ltd, 3 Mason Court, Gillan Way, Penrith 40 Business Park, Penrith, CA11 9GR is authorised and regulated by the Financial Services Authority. Our FSA Register number is 197451.

Our permitted business is arranging non investment insurance contracts.

You can check this on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

6. Loans and Ownership

Legal & General owns 49% of our share capital.

7. What to do if you have a complaint

If you wish to register a complaint, please contact us:

...in writing : Write to Investment Discounts On-Line Ltd, 3 Mason Court, Gillan Way,
                       Penrith 40 Business Park, Penrith, CA11 9GR.

...by phone : 0844 980 8601

...by email : customerservices@theidol.com

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

8. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. 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, without an upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

Long Term Income Protection

Permanent Health Insurance

theidol.com have a direct offer available on discounted terms for AXA's, Friends Provident's and Liverpool Victoria's Long Term Income Protection.

Long Term Income Protection Insurance also known as Permanent Health Insurance is designed to pay you a regular income if an illness or injury prevents you from working. The income can be paid for as long as you are unable to work through accident, sickness or until the end of the policy term.

Long Term Income Protection

This is a direct offer where no advice is given or implied. We are not making any recommendation as to the appropriateness of any income protection insurance plan to your financial requirements. If you have any doubts regarding the suitability we recommend you seek expert advice.

AXA is a world leader in financial protection and wealth management, with major operations in Western Europe, North America and the Asia/Pacific area.
Friends Provident is one of the leading financial services groups in the UK and a member of the FTSE100 Index of leading UK companies, with a history dating back to 1832.
Liverpool Victoria as a friendly society have no shareholders to take a share of their profits. Their focus is always delivering the best value products and services for their members and customers. In 2002 they were able to give their members and customers over £100m worth in extra value, mainly through offering lower priced products and free extra cover.
The Legal & General Group, established in 1836, is one of the UK's leading financial services companies. As at 31 December 2009, we were responsible for investing £334 billion worldwide on behalf of investors, policyholders and shareholders. We also had over 7 million customers in the UK for our life assurance, pensions, investments and general insurance plans.

To find out more about Long Term Income Protection Insurance please click here to visit the Money Advice Service Website.

This is a general overview of the cover available, please read the insurance company's product key features for the specific cover and terms and conditions that apply.