Terms of business

Helping you make informed decisions about our services. Last updated: 1 July 2026.

PremierPMI operates as an independent insurance intermediary acting on behalf of its clients, authorised and regulated by the Financial Conduct Authority. These terms set out how we work, how we are paid and the protections you have.

1. About us

PremierPMI is a trading style of Tesha Family Ltd (FRN 1029667), authorised and regulated by the Financial Conduct Authority (FCA). You can verify our details on the FCA Financial Services Register at register.fca.org.uk. We are authorised to arrange transactions in general insurance, including private medical insurance, health cash plans, international private medical insurance and related protection products.

2. Our service approach

As an insurance intermediary we act on your behalf, not the insurers'. Our primary focus is understanding your specific needs and recommending a product that aligns with those needs. We offer a comprehensive selection of private medical insurance and cash-plan products from a top-tier panel of insurers, and continually review that panel to ensure it remains competitive and appropriate.

Our advice is impartial. We are not tied to any single insurer, and we disclose any material commercial interest that could reasonably be seen to affect our recommendation.

3. Transparent pricing and how we're paid

We do not charge you a fee for arranging your policy. We receive a commission from the insurer whose policy you take out, calculated as a percentage of the annual premium. The commission does not increase the premium you pay compared with going direct to the insurer.

Where a client fee is applicable — for example on complex corporate placements or bespoke advisory work — we will disclose the amount, basis and timing of that fee in writing before you incur any charge.

4. Your duty of disclosure

It is crucial that the information provided in your application is accurate and complete. You must disclose all material information relevant to the risk being underwritten, particularly under full medical underwriting. Deliberate or reckless misrepresentation may allow the insurer to void your policy or refuse a claim.

We will always ask you to review the information supplied before submitting an application and again at renewal.

5. Records and business documents

We provide copies of contract notes and any other transaction evidence upon request. You are welcome to inspect your records during our business hours with reasonable notice. We retain records for a minimum of seven years from the date of the last insurance contract concluded on your behalf.

6. Professional Indemnity Insurance (PII)

In compliance with FCA requirements we maintain Professional Indemnity Insurance to protect you in the event of any negligence on our part. Details of cover are available on request.

7. Handling of client money

We do not handle client money in a fiduciary capacity. Premium payments are made directly to the insurer under a risk-transfer agreement, meaning that receipt of premium by us (where applicable) constitutes receipt by the insurer.

8. Managing conflicts of interest

While we offer independent advice, occasions may arise where we or our other customers have interests that could conflict with your own. Where such a conflict arises we will promptly inform you and, where required, seek your consent before proceeding with your instructions.

9. Providing instructions and terminating the relationship

You may give us instructions in writing, by telephone, or by email. Either party may terminate our business relationship in writing at any time, without penalty; termination will not affect the completion of transactions already in progress.

10. Complaints and the Financial Ombudsman Service

If you are unhappy with our service please refer to our complaints procedure. Eligible complainants may refer unresolved complaints to the Financial Ombudsman Service (FOS) free of charge, at financial-ombudsman.org.uk.

11. Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. Cover depends on the type of business and the circumstances of the claim. Further information is available at fscs.org.uk.

12. Data protection

We process your personal data in accordance with UK GDPR and the Data Protection Act 2018. Full details are set out in our Privacy Policy.

13. Governing law

These terms are governed by the law of England & Wales.