Professional Standards

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Committed to best practice

As an independent intermediary, Stewart Miller Insurance works closely with a selected range of insurers who share our commitment to service.


We are authorised and regulated by the Financial Conduct Authority (FCA). You can check this by viewing the FCA website at or by contacting the FCA on 0845 6061234 (our FCA registration number is 310218). Our permitted business is arranging general insurance contracts. We are licensed under the Consumer Credit Act and the Data Protection Act.


Committed to maintaining the high standards of professionalism set by the Financial Conduct Authority, we work to a programme of continuous training and development, ensuring that all within our team are fully competent and qualified to deal with your insurance needs, whilst providing a first class service. Policy wordings are under constant review to ensure that our clients benefit from the latest changes in legislation and the market place.



Stewart Miller McCulloch & Co Ltd t/a Stewart Miller Insurance acts on behalf of insurance companies or Lloyd’s syndicates: the procedure that will apply depends on whose behalf we act. To identify which procedure applies to you, please refer to your policy wording. If you have any doubt on which procedure applies to you, Stewart Miller McCulloch & Co Ltd t/a Stewart Miller Insurance will be happy to help.


Procedure applicable where the insurer is an insurance company:
If you have a Complaint which relates to either Your Policy or to a claim which you have submitted under Your policy then please raise this in the first instance with Your broker who will aim to resolve Your concerns by close of the next business day.


If Your broker is unable to deal with Your concerns the matter will be forwarded onto Your Insurer via your Broker/Insurance Provider who is:

Mr Peter James, Managing Director,

Stewart Miller McCulloch & Co Ltd

768-772 Hagley Road West Oldbury,

West Midlands B68 0PJ

Tel: 0121 506 6040


Whilst reviewing your complaint Your Insurer will:


• Acknowledge Your complaint promptly

• Investigate Your complaint quickly and thoroughly

• Keep You informed of the progress of your complaint

• Do everything possible to resolve Your complaint

Your Insurer is obliged to provide You with a written offer of resolution within 8 weeks of the date Your complaint was received.:


If your insurance is with Lloyd's and you are still not satisfied with the way your complaint has been dealt with, you may ask the Lloyd's to review your case.


If you wish to ask Lloyd’s to investigate your complaint you may do so by contacting:

In writing:

Complaints Team

Lloyd’s One

Lime Street




By email:


By phone: +44 (0)20 7327 5693


By fax: +44 (0)20 7327 5225




Procedure applicable where the insurer is a Lloyd’s syndicate:


Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available at and are also available from the above address.


If you are not happy with the way we have handled your complaint, you can refer your case to the

Financial Ombudsman Service. You can find information about the Financial Ombudsman Service at


You can contact them in one of the following ways:

In writing:

The Financial Ombudsman Service

Exchange Tower


E14 9SR


By e-mail:


By phone: 0800 023 4567 or 0300 123 9123


Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (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 100% of the first £2000 and 90% of the remainder, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS or by visiting the FSCS website on

Law Applicable to the Contract

You and the Insurer concerned are free to choose the law applicable to this insurance contract. Unless agreed otherwise with you, this insurance is governed by English Law.

If you have any questions or queries please:
Call Now 0121 422 2282 or Click here to EMAIL US



Additional information