FCA publishes a research note!


“Price Discrimination in Financial  Services” – How should we deal with the questions of fairness?

Read the paper here

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BREAKING NEWS!! Claims Management Companies to be regulated by the FCA

The regulation of claims management companies will pass from the Claims Management Regulator (CMR) to the FCA next year. All firms will need to apply for permission to continue to trade, pending a full application. The proposed rules are extremely tough, especially surrounding client money and the use of lead generators. Telephone recording is mandatory. We expect a significant number of claims management companies will exit the business, both because of the new capital requirements and the ‘Fit & Proper’ test. Create Solutions have over ten years’ experience of assisting claims management companies and helping firms achieve authorisation. We are also expert on the client money rules and can assist you in obtaining authorisation and with on-going support. Do not underestimate the mountain you have to climb and if looking for compliance support, choose someone with existing claims management experience. Once size does not fit all!

To read the paper please click here

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Motivational Monday…


Yesterdays ‘Motivational Monday’ session was  extremely successful, fantastic way to start the week. Martin Robert Hall spoke about how to maximise our potential and how to help others do the same. Look out for other dates being announced…

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Motivational Monday, a brilliant start to the week!




We are launching our Unique Training Week with an eye-opening session from Martin Robert Hall. Martin is a regular speaker in the insurance industry, helping industry leaders and businesses better themselves. 

During the session we will find out how we can maximise our potential and help others do the same, and how we can be brilliant. He will show us how we can perform at our highest level.

You will go away from this session feeling energetic and enthusiastic and be better equipped to deal with life’s challenges and whatever your working week throws your way! Treat yourself!

Those who have attended Martin’s sessions know what a profound effect they have. Those Monday morning feelings will never be the same.

If you don’t attend any of our technical and compliance session this week, you must join us for this. (If your managers have not had any formal motivational/leadership training recently, then this half day session will help give the boost they need)

Speaker: Martin Robert Hall

Martin is a leading authority in the field of performance psychology. He consults to top athletes, organisations and ambitious individuals helping them to consistently perform at the highest level.

Cost: £109 plus vat

To book please contact or or call the office on 0161 870 6637

Date: Monday 4th June 2018 9.00am (registration) 9.30am-1.00pm

Venue: 2nd Floor, Barlow House, Minshull Street, Manchester M1 3DZ

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Custom Personal and Business Development Workshops


Tailored to client specific needs…

  • Train the Trainer
  • Presentation Skills
  • Managing Poor Performance and Absence
  • Recruitment and selections
  • Delegation Skills
  • Time Management
  • Facilitation Skills
  • Business Writing Skills
  • Managing Meetings
  • Mastering Change
  • Performance Management
  • Introduction to selling
  • Customer service
  • Emergenetics – meetings of the minds

If you would like any further information on any of the above topics, please contact or call the office on 0161 870 6637

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The Unique Training Week…

 Training week

During the week of 4-8th June 2018 Create Solutions are bringing a Unique Training Week to the market. It’s a full week of training sessions/workshops and events (taking place in Manchester)

It’s an opportunity for staff to boost their CPD, to increase their knowledge and skills on relevant topics.

It will include sessions on compliance related matters, technical training sessions and also some soft skills sessions. sessions include:

  • Dealing with Vulnerable Customers
  • Liability Insurance
  • Business Interruption

For further information or to book places please contact




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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

We also offer a GDPR online training module priced at just £19 plus vat per user for 12 months, for further details please call Claire on 0161 870 6637

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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