Value Assessment

We would like to inform you that Ceta has completed its fair value assessments in line with PROD 4.3 and the FCA’s Consumer Duty requirements.

We are pleased to confirm that, following a review of relevant MI and the fair value assessments provided by our insurer partners, we have concluded that the products you distribute on behalf of Ceta continue to offer fair value to customers within their defined target markets, in accordance with FCA rules and the four Consumer Duty outcomes.

Our assessment has not identified any products requiring remedial or mitigating action. This includes both product design and distribution arrangements. The use of insurer underwriting guides and eligibility criteria within our quote engines ensures that policies are not offered to consumers who fall outside of the product’s target market.

Where legal cover is bundled with the main insurance policy, we have determined that this does not adversely affect the value of the overall product offering. This packaging approach remains consistent with the objective of delivering fair value to customers.

We have also ensured that bundled products have compatible target markets and do not result in duplicate coverage that could undermine the value of each product.

Please find below links to the most recent insurer value assessments received in accordance with PROD 4.2.14AR and 4.2.14BR.

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CETA Insurance Ltd - registered office: CETA House, 22 Cromwell Business Park, Chipping Norton, Oxon, OX7 5SR
Registered in England and Wales no. 02827690.
CETA is authorised and regulated by the Financial Conduct Authority no. 307824