TERMS OF BUSINESS

About Us

Continuum Specialty Limited is an Appointed Representative of Pro MGA Solutions Ltd who is authorised and regulated by the Financial Conduct Authority under reference 770419. You can check this on the FCA Register by visiting the FCA’s website
www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Pro MGA Solutions Ltd is an insurance intermediary.

We comply with all applicable UK data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. By using our services, you agree to the practices outlined in this policy. Please read it carefully to understand how we manage your data and your rights in relation to it.

We Are

Continuum Specialty Limited : c/o Hillier Hopkins LLP, 45 Pall Mall, London SW1Y 5JG
Registered in England No. 15315112

Whose products do we offer?

We only offer products from a limited number of insurers as specified below:


• Bridgehaven Specialty UK Limited


As such we are acting on behalf of the insurer in our dealings with you.

Demands and Needs

The Rights of Light product indemnifies the Insured for the financial consequences incurred as a result of an insured risk property asserting a “Right of Light” against a development project.

The Judicial Review product indemnifies developers or operators of development projects for the financial consequences incurred as a result of a third-party challenge to an administrative decision.

Which service will we provide you with?

You will not receive advice or a recommendation from us. We may ask some questions to provide a quotation. You will then need to make your own choice about how to proceed

What will you have to pay us for our services?

We will receive our remuneration by one or more of the following methods:

  • A commission payment from the insurer (s) of your policy which is included in the premium you pay.
  • Any additional fees will be agreed with you in advance.

All instructions which we receive verbally or in writing from you or your representative are binding. Any remuneration arising from such instructions will be deemed to be earned in full. For the avoidance of doubt once our remuneration has been earned, in the event that the insurance is cancelled after inception, our fees or commission may not be returnable.

What do you need to tell us?

You should ensure that the information you have given to us is a fair presentation of your risk. You must clearly disclose every material circumstance which you, your senior management, or persons responsible for arranging your insurance knows or ought to know following a reasonable search. A material circumstance is one which could influence an insurers’ judgement over whether to take your risk and if they do so, on what terms. If you are in doubt as to whether a circumstance is material then you should disclose it.

You must also tell us if any of the information provided to us has changed. If it has, then you must tell us about the changes before we arrange or amend cover. You must tell us about any material changes in your risk when you buy an insurance policy, throughout the life of the policy and when you renew that policy.

Please note that failure to disclose a material circumstance may result in an insurer imposing different terms on your cover or reducing the amount of a claim payable. In some cases, your cover could be invalidated, which means that a claim will not be paid.

Protecting your money

We have obtained agreement from the insurer(s), with whom our business is placed, that insurance premiums held by us will be insurer monies, and not client monies. This arrangement is known as “risk transfer”. This agency agreement is in respect of all premiums received from you, all refunds of premiums due to you, as well as claim
payments due to you. This means that once your premium has been paid to us it is deemed to have been paid to the insurer.

We will deduct any commission entitlements before paying premiums to the insurer.

Data Protection

Where personal information is collected about individuals in connection with the arranging of insurance, this information will be collected and processed in accordance with our Privacy Policy which can be viewed on our website www.continuumspecialty.com. Alternatively, you can contact us for a copy.

What to do if you have a complaint?

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

  • In writing to – The Compliance Officer, Des McCavitt, Continuum Specialty Limited
  • By emailing – The Compliance Officer at underwriters@continuumspecialty.com
  • By telephoning – (0)203 795 2460

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

  • By writing to – The Financial Ombudsman Exchange Tower, Harbour Exchange Square, London, E14 9SR.
  • By the internet – www.financial-ombudsman.org.uk.
  • By telephone – 0800 023 4567

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

Continuum Specialty Limited is covered by the FSCS. You may be entitled to compensation from the scheme if they cannot meet their 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 any upper limit. Further information about compensation scheme arrangements is available from the FSCS.