About Us


M&H is authorised and regulated by the Financial Conduct Authority and is entered in the FCA register, number 308853. The name address and regulatory status can be checked by visiting their website at www.fca.org.uk or by calling them on 0300 500 8082.

The Financial Conduct Authority (FCA) is the independent watchdog set up by the government under the Financial Services and Markets Act 2000 to regulate financial services in the UK, and to protect the rights of you the retail customer.
The FCA aims to promote efficiency, orderly and fair markets, help you the retail customer achieve a fair deal. They are funded by the firms that they regulate.

We have to by law be authorised by the FCA to transact any kind of insurance business in the UK. Being authorised means that we must follow all rules set by the FCA and we are audited on this on a regular basis.

To find out more about the FCA and how they regulate us and protect you the individual click here


M&H Insurance Service (Small Heath) Ltd is a Limited Company.  We are Registered in England & Wales. Registration Number 0342 4542. Our Registered address is 900 Coventry Road, Birmingham B10 0UA.


We pride ourselves on the services we provide to our clients and we hope that you do not have cause to complain.  In the unlikely event that you are not satisfied about something we have or haven't done, we have a set procedure to follow.  Please contact our office for details.

Some clients are able to take unresolved complaints to the Financial Ombudsman Service (FOS).

You can contact FOS using the various methods below and we have provided a brief guide to their service here and a link to their website here.

By phone Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm

0800 023 4 567 (calls to this number are now free on mobile phones and landlines)

0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers)

or from abroad on +44 20 7964 0500

By post

The Financial Ombudsman Service

Exchange Tower


E14 9SR

Whose products do we offer?

Motor - We offer products from a range of insurers for Motor Insurance.

Commercial Vehicle - We offer products from a range of insurers for Commercial Vehicle Insurance.

Motor Legal Protection - We offer e-claim for Motor Legal Protection

Breakdown - We offer Spectrum for Motor Breakdown Assistance.

Home - We offer products from a range of insurers for Home Insurance.

Home Legal Protection - We offer e-claim for Home Legal Protection

Travel - We offer products from a range of insurers for Travel Insurance.

Motor Trade - We offer products from a range of insurers for Motor Trade Insurance.

Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

What will you have to pay for our services?

As Independent Intermediaries we are paid commission by your Insurance Company. If this insufficient to cover our costs, we may charge an administration fee of up to 30% of the premium for All Business, Renewal or policy adjustment. On a return premium we repay commission on the amount to your insurers and this amount will be deducted from the final amount refunded to you. Where a fee or charge is payable, you will be advised before you commit to it.

Governing Law

Unless we have agreed otherwise with you, all policies sold by us are governed by English Law and subject to the jurisdiction of the English Courts. All information about the contract will be provided in English.

Your right to cancel

All the products, with exception of Breakdown, Motor Legal Protection and Home Legal Protection, that we can offer can be cancelled. In addition we offer a 14-day withdrawal period when you can cancel the policy and get a full refund providing cover has not commenced. We will not refund your premium if you have made a claim, during your period of insurance, or if you have a pending claim. If you are paying by instalments you must pay the balance of the full annual premium.