21st February Mike delivered an IDD lecture for the IIM


IDD & The Future of Commercial Insurance Broking

The Insurance Distribution Directive (IDD) is the most significant changes in General Insurance regulations in 10 years. It applies to all FCA regulated firms, Insurers, Brokers, MGA’s etc and applies to those conducting Consumer and Commercial Business and to insurance staff.

It will come into force on 23rd Feb 2018 though its implementation may be delayed until Oct 2018.

It is a new EU directive and it is aimed to create a level playing field, for insurance intermediaries and the distribution of insurance, plus harmonise regulation across the EU. Its aim is to raise the standards of conduct, improve competition as well as improving customer protection.

All firm needs to understand the changes and have plans in place to implement the changes.

Learning objectives:

  • Understand the background and why the IDD is being implemented and who it applies to?
  • Explain some of the key changes and what firms need to do including:
  • Conflicts of interest
  • Disclosure requirements
  • Training of staff
  • Sales practices

It also gave an overview of what firms need to do with regards to product Governance and Oversight when designing new policies or schemes

If you were unable to attend and require any further information please let us know

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General Data Protection Regulation


GDPR assistance for the General Insurance Industry

Confused? Overwhelmed? Bombarded with information and don’t know where to turn for help?

Look no further, speak to Create Solutions Ltd.

The General Data Protection Regulation comes into effect on 25th May 2018 and we are working with many organisations in the general Insurance industry to help them prepare for the forthcoming changes.

Whilst GDPR applies to all industries, there are specific provisions when processing data for insurance purposes and you may need advice from people who understand how insurance operates.

Create Solutions have over 15 years’ experience working with general insurance firms of all sizes and types and we have a wealth of expertise in FCA compliance. We like to keep things simple and straight to the point!

We understand that every firm in the general insurance arena is different and how you approach GDPR will vary depending on the type of firm, business model, distribution chain etc. 

We are helping a wide range of clients through the FCA regulatory maze and with their GDPR obligations.

Here are some of the services we offer

  • Help with conducting a Data Audit
  • Guidance and Templates
  • Help with documenting your Processing Activities
  • Creating a Privacy Notice
  • Reviewing processes with regards to Data Breaches and Subject Access
  • Face to Face, email and telephone consultancy
  • Open and in-house GDPR training for staff at all levels

Act now! Create awareness internally and start to do the ground work to prepare for the changes.

Please contact us for a no obligation discussion of how we can help you.

 Speak to Matt, Tracy or Karen on 0161 870 6637 or email,,


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FCA General Insurance Events – Live & Local

Interactive workshop: Working to prevent harm – a general insurance focus

(2 hours, open to regulated firms only)

This highly interactive session, facilitated by supervisors, will help firms identify and understand risks and potential causes of harm.

The workshop will be based around an interactive case study where delegates will work through a specific scenario. This will involve a number of topics including Insurance Distribution Directive, complaints, and the Senior Managers and Certification Regime. The scenario will put into practice our expectations and will give attendees ideas and concepts that are applicable to their own businesses.

The session will be of most benefit to general insurance intermediaries; however other insurance firms are welcome. A registration fee of £85 per person will apply.

The Cheshire workshop is coming up at the beginning of February

For further information please visit the FCA website

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Well done to Tracy….


We would all like to say a MASSIVE WELL DONE  to Tracy, once again she has completed the challenge of living on £1 a day, this time for 28 days! Tracy has raised over £1,100 for Destiny Garden School.

In 2016, she raised over £2,000 for the School by living on £1 a day for 21 days and this time, she raised the stakes by extending the challenge to a gruelling 28 days.

It is a fantastic cause Destiny Children a UK Charity that supports Destiny Garden School in Mombasa, Kenya. Destiny Children raises funds to help provide a better future for the children at Destiny Garden School, Mombasa, Kenya by securing them a good education and the basic welfare they need to survive. They do this primarily through the sponsorship programme, which provides the school with a steady regular income.

A huge thank you everybody that supported Tracy through this ambitious challenge.

Just Giving…


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Mike to speak at the IIM Masterclass


Mike to speak at the Insurance Institute of Manchester masterclass on the background to the IDD and why changes are being introduced and explain some of the key changes that firms need to be ready

For more information contact the IIM

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European Commission has proposed to push back the application date of the Insurance Distribution Directive (IDD) to 1 October 2018


Please see link to FCA website for more information

Click here for link

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Merry Christmas to all at Wellspring Stockport


We wanted to wish everybody at Wellspring Stockport a fantastic Christmas, so what better way to do that than with a Biscuit Hamper, a perfect accompaniment to all the teas and coffees they serve….

Hamper n

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Christmas opening hours….


The office will closed at 12 noon on 22nd December 2017 and reopen on 2nd Jan 2018. Throughout this period we will have skeleton staff working and any urgent enquiries will be dealt with.

Wishing you all a fantastic Christmas and New Year!

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Article on Senior Managers Regime published 5th October in Insurance Age


Mikes article was recently published in Insurance Age. Read the full article here….


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MIB reveals first rise in uninsured accident claims for a decade

The Motor Insurers’ Bureau (MIB) has reported an increase in the number of claims made following accidents with underinsured drivers, for the first time in a decade.

According to MIB it has seen the number of claims against uninsured drivers reduce by more than 50% since 2004, from around 25,000 per year to around 11,000.

It stated that this was a result of the continued commitment from the industry, police, the Driver and Vehicle Licensing Agency, and the government to tackle the problem.

Read the full article here…

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