How we work

Independent Financial Advisers

We are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximize the benefits to our clients.

You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead.

Depending on your instructions we will carry out a needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews.

You will receive professional advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all).

You'll also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course it will all be sensibly balanced in relation to your current income and your prospects

In almost all cases we are able to make arrangements which clients would be unable to make for themselves. All our proposals will be fully explained and costed so that you'll know exactly what and why before you agree to anything.

General and Commercial Insurance

* An initial review of your Assets and Liabilities and report on your current Insurance.

* An examination of the most effective methods of Risk Reduction or elimination.

* Planning of your Insurance Programme. This would include a discussion on the Risks not currently Insured to ensure that such omissions are the result of positive decision on your part rather than an oversight.

* Checking Policy Wordings.

* Providing a clear and concise summary of cover.

* Site visits for Renewal and ,Mid-term and as necessary.

* Claims - See Below

* Examination of Contract Conditions to provide specific advice and relate these to your Insurance programme.

* Loss control advice using our own technical staff.

* Continuing advice on day to day basis using the account team for a rapid knowledgeable response.

* Annual Report on cover and costs and a review of our Service Standards

CLAIMS

Assistance and Guidance on all routine and complex claims, including visits to site when required.

We will take over the administration of all currently outstanding claims.

Please read our Privacy Statement before completing any enquiry form or before sending an email to us.

J C Roxburgh & Co Ltd is authorised and regulated by the Financial Services Authority (http://www.fsa.gov.uk/register/home.do). FSA Registration No: 169990