Cook & Smith (Insurances) Limited (subsequently G H Smith & Associates Limited)
What this means for you
Because Cook & Smith (Insurances) Limited (subsequently G H Smith & Associates Limited) has been declared in default, you can't complain via the Financial Ombudsman Service in the normal way. Instead, eligible customers can apply to the Financial Services Compensation Scheme for compensation.
Background
Cook & Smith (Insurances) Limited, operating under FRN 120986 and later trading as G H Smith & Associates Limited, was declared in default by the FSCS on 23 March 2005. The firm's specific product offerings cannot be determined from available records, though its name suggests insurance-related services. Former customers may be entitled to FSCS compensation depending on the products involved, with insurance claims typically covered at 90% of loss with no upper limit.
Products this firm wrote
How to claim
- Check you were a customer of this firm during the period it was regulated.
- Gather your policy / advice / contract paperwork — start with anything you have in writing.
- Identify your loss and the date it crystallised.
- Apply via the FSCS online claim portal at claims.fscs.org.uk.
- The FSCS investigation typically takes 6–18 months. They will assess eligibility, liability and quantum.