Castiel Winser Financial Advisers, A Relationship you can trust!

Terms Of Service

As required by the Financial Services Commission (FSC) of Gibraltar, this Information Sheet sets out information which we are required to provide to you prior to the conclusion of any insurance contract and upon amendment or renewal of such a contract.

About Us

Castiel Winser Financial Consultants Limited is a company incorporated in Gibraltar, with offices at 57/63 Line Wall Road, Gibraltar. Our contact numbers are (+350) 200 77723 (telephone) and (+350) 200 79257 (fax).

We are licensed by the FSC (FSC license number: 00022B) as insurance intermediaries – authorised to sell investment products. The FSC is charged with the responsibility of supervising institutions carrying on financial services business in or from within Gibraltar. You may verify our authorisation by contacting the FSC at Suite 943 Europort, Gibraltar (telephone: (+350) 200 40284) or visit their website at www.fsc.gi. A copy of our FSC license is also displayed at our premises.

The details of our license are as follows:

Class Description
II (b) Collective Investment Scheme Intermediary
IV Investment Adviser
VI(a) General Insurance Intermediary
VI(b) Life Assurance Intermediary

The Insurance Companies we conduct business with

We offer products from the following insurance companies:

Insurance (Life), Pension & Investments

  • Principal Intermediary in Gibraltar for Aviva Protection Products
    AVIVA

    PO BOX 520
    Surrey Street
    Norwich
    NR1 3WG
    UK

  • AXA Isle of Man Limited
    Royalty House
    Walpole Avenue
    Douglas, Isle of Man
    IM1 2SL
    British Isles
    UK

  • Friends LIfe
    PO Box 2617
    Romford
    RM1 3WF
    UK

  • Friends Provident
    UK House,
    72-122 Castle Street,
    Salisbury SP1 35H,
    UK

  • Generali Int/PanEurope
    Navan Business Park
    Athumney, Navan
    C/O Mealth
    Ireland

  • Prudential International Assurance
    Craigforth
    Stirling
    FK9 4EU
    Scotland

  • Zurich Int Solutions Europe
    3rd Floor
    La Touche House
    IFSC
    Dublin 1
    Ireland

Insurance (Medical)

  • AXA PPP Healthcare
    Philips House,
    Crescent Road,
    Tunbridge Wells TN1 2PL,
    Kent,
    UK

  • BUPA International
    Russell Mews,
    Brighton BN1 2NR,
    East Sussex,
    UK

We confirm that we do not have any holding in the capital (direct or indirect) or voting rights in any of the insurance companies whose products we offer and, similarly, we confirm that none of the said insurance companies has any such holding or voting rights in our company.

If you have a complaint

We would like to advise you that if you wish to make a complaint about us or any of our staff or the services we provide, you may present your complaint to:

  • The Managing Director,
    Castiel Winser Financial Consultants Limited,
    57/63 Line Wall Road,
    PO Box 464,
    Gibraltar

    or
  • The Consumer Protection Office of the Government of Gibraltar,
    Ground Floor,
    10 Governor's Lane,
    Gibraltar

Our Advice

We are pleased to be able to advise you on the products available to us in Gibraltar from the range of selected insurance companies appearing above.

We confirm that we are under an obligation to conduct insurance mediation business exclusively with the insurance companies appearing above. Our advice is based on and limited to the products available to us in Gibraltar from the insurance companies listed above. The details of such insurance companies appear above.

Our Advice to You

Prior to the conclusion of any insurance contract with you, we will specify in a 'Reasons Why Letter,' on the basis of the information you have provided us with, what we think your demands and needs are, as well as the reasons for any advice we give you on the limited number of products available to us in Gibraltar.

If you decide to proceed with any contract of insurance with us, we will require you to sign and return a copy of the said Reasons Why Letter and this Information Sheet, signifying that you have read and agreed with the matters contained in the Reasons Why Letter and the above respectively. We shall not proceed with the conclusion of any contract of insurance for you unless we receive the said copy of the Reasons Why Letter and this Information Sheet is duly signed by you. We will also ask you to sign and return a copy of this Information Sheet and a further Reasons Why Letter upon renewal or amendment of any such contract.