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ScratchandDentCover_StatementofFacts_SND04 V1.0 03_20 JB


Stubben Edge (Risk) Limited


Our understanding of your demands and needs

From the information you have provided to us we have identified your demands and needs as those of an individual looking for general insurance to fund the costs of someone looking to protect their vehicle against minor scratches, dents, scuffs and paint chips.
This insurance does not acquire a surrender value and there is no benefit payable at expiry of this insurance.
In accordance with the Financial Conduct Authority (‘FCA’) rules, we are required to ensure that the policy we are providing is suitable for your needs.

Our assessment

The policy we propose to arrange for you is provided by Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG who, in accordance with policy terms and conditions, provide you (according to the cover selected) with cover as referred to above. Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG is regulated by the FCA and the Prudential Regulation Authority and is one of the UK’s leading specialist insurers, underwriting a diverse range of personal and commercial insurance.

An explanation of the proposed policy to cover the costs of this policy is available in the next step of this purchase.

Please note that we have no contractual obligation to purchase insurance products on your behalf from Helvetia Schweizerische Versicherungsgesellschaft

We have not provided any recommendation as to the cover you should take and the product has been selected by you based on the factual information supplied.

You must read the Insurance Product Information Document which summarises the cover. By proceeding you confirm that you understand the cover provided and accept the terms. Full details of the policy terms and conditions are available on request.

You must take reasonable care not to make a misrepresentation to your insurer. If you deliberately or carelessly misinform your insurer, this could mean that part or all of a claim may not be paid.

Our Status

Stubben Edge (Risk) Limited (FRN: 943286) is authorised and regulated by the FCA and entered on the FCA Register ( Stubben Edge (Risk) Limited is incorporated in the UK with the company number 09073942

While we conduct business with Helvetia Schweizerische Versicherungsgesellschaft, we confirm that for the purposes of this insurance, we are acting for and on behalf of the insurance provider.

We have neither a direct or indirect holding of any voting rights or capital in the insurance provider we are suggesting. Likewise, the insurance provider has no direct or indirect holding of any voting rights or capital in our firm.


The Policy is arranged and administered by Stubben Edge (Risk) Limited (FRN: 943286) which is authorised and regulated by the Financial Conduct Authority ("FCA"). Stubben Edge (Risk) Limited (No 09073942) is registered in England and Wales. Registered office: Fourth Floor, 75-77 Cornhill, London, United Kingdom, EC3V 3QQ. The Policy is underwritten by Novus Underwriting Limited (FRN: 798219) on behalf of Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG (FRN: 454140).