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£7.4m fined has been handed to Swinton over add-ons
One of the UK's largest insurance companies, Swinton, has been fined £7.38m for mis-selling policies.
Swinton failed to inform customers that the policies, which netted it £93m, were optional and separate from the core cover
The regulator, the Financial Conduct Authority (FCA), accused the company of an "aggressive sales strategy" and of failing to treat its customers fairly.
Swinton Insurance issued an apology. It said it had changed its practices, and had set aside a total of £11.2m to compensate its customers.
The fine, one of the largest of its kind, relates to policies that were sold over the telephone.
Poor sales scripts meant that every sale could have been a mis-sale”
Between April 2010 and April 2012, staff attempted to sell so-called "add-ons", in the form of personal accident, home emergency and motor breakdown policies.
But customers were not told that the policies were optional.
"When selling monthly add-on policies, Swinton did not place the consumer at the heart of its business. Instead it prioritised profit," she said.
The FCA said such add-ons generated £92.9m of income for the company.
Swinton said it had now contacted more than 650,000 customers, and paid out £1.9m in compensation.
On average customers have been paid £55 each.
The FCA was particularly critical of the sales patter employed by staff.
It said that "poor sales scripts meant that every sale could have been a mis-sale".
Swinton said it had since changed its scripts, and issued new guidance to staff.
The FCA is also to launch a wider enquiry into the selling of "add-ons" by insurance companies.
The study will look at competition between rival insurance companies in this area.
It will also determine whether such products represent good value for money, and whether consumers understand what they are buying.
"I recently told the insurance industry that we were taking a strong interest in the area of add-ons, and our first competition study will take a far-sighted view of the impact of current practice on consumers in this market," said Martin Wheatley, the FCA chief executive.