Initial Disclosure Document
Initial Disclosure Document
The Financial Conduct Authority (FCA)
The FCA is directly responsible to HM Treasury for regulating the conduct of business for all authorised and regulated firms. We are required to provide this document for you to review and decide if our services are right for you.
Please be aware that as Car Hire is not an activity regulated by the FCA there are very limited occasions when they may be able to provide recourse. These are limited to the sale of insurance (including Car Hire Excess Insurance) or financial services products.
What services will we provide you with?
We will provide you with details of firms that might be appropriate for your Car Hire, Car Hire Insurance or related products. You will not receive advice, or a recommendation from us, but we will either ask questions to narrow down the selection of firms offered, from which you can more easily make your own choice, or publish information that might make it easier for you to find appropriate companies.
What products do we offer?
Car Hire, Car Hire Insurance, General Car Hire Related Products
We identify potential suppliers from a panel of car hire companies to help in your search for a car hire.
Other Non-Comparison Insurance Services
We might offer you the chance to buy, through a third party insurer, an insurance product that could in certain circumstances provide cover that will protect you in the case of you facing a charge from your car hire company in the event of theft or damage to your car hire. We do not recommend any policy as suitable for an individual as we are not aware of your full circumstances.
Other Non FCA Regulated Products
We offer products from companies who might be able to help you identify services that will meet your needs. Whatever service you choose, once you leave our web site you will land on a third parties web site. We cannot be responsible for the third parties service.
What will you have to pay us for our services?
We may be paid an introduction fee by companies we introduce you to or charge a commission for our services. In some instances no charge may be made or taken.
Who regulates us?
MoneyMaximiser Limited, who own Clarify Car Hire which is authorised and regulated by the Financial Conduct Authority. Our firms reference number is 496690. You can check this on the FCA's Register by visiting the FCA's website or by contacting them on 0800 111 6768.
Other services including Car Hire we offer are not regulated by the FCA however the Financial Ombudsman Services has now been extended to handle some complaints under the Consumer Credit Act.
We are an independently owned company and not influenced by suppliers of services in any way. This ensures our impartiality.
What to do if you have a complaint
If you wish to register a complaint, please contact us:
in writing to MoneyMaximiser Limited trading as Clarify Car Hire, Suite 8, Market House, 19-21 Market Place, Wokingham, Berkshire, RG40 1AP. by e-mail to firstname.lastname@example.org by calling 0330 222 0369
In the event a complaint relating to a regulated matter remains unresolved after 8 weeks you may be entitled to refer it to the Financial Ombudsman Service.
Financial Services Compensation Scheme (FSCS)
As with all firms directly authorised by FCA when dealing with Retail Customers, MoneyMaximiser is covered by the FSCS.
This is the body established to operate and administer the compensation scheme for insurance and financial products, set up by major insurance companies, to compensate consumers when authorised firms are unable, or likely to be unable, to satisfy claims against them. For the avoidance of doubt car hire does not fall under the remit of the FSCS and no compensation would be paid in respect of car hire bookings.
Compensation limits vary dependent upon the type of insurance claim. Compulsory Insurance (e.g. motor insurance) is covered for 100% of the claim with no upper limit. Non-compulsory insurance (e.g. home and general insurance products), is covered up to a maximum of 90% of the claim with no upper limit. Insurance advice and arranging insurance will also be covered up to 90% with no upper limit.