St Andrew's Group underwrites and administers its own insurance products, providing a range of services including premium collection and claims management through its subsidiary:

• St Andrew's Insurance plc - FSA Registration number 202932

(Both companies are authorised and regulated by the Financial Services Authority (FSA) and are entered into the FSA register under the numbers shown.)

St Andrew's Group is able to provide a range of products, which are complimentary to creditor, including back to work assistance and medical services through its subsidiary:

• Mentor Professional Services Ltd

St Andrew's Group is able to handle a range of inbound and outbound calls including targeted campaigns, sales fulfilment, paperless Direct Debit transactions, claims and administration, offering a high level of customer service through:

• St Andrew's Contact Centre

These in-house capabilities allow St Andrew's Group to offer the best levels of service and products of the highest standard, whilst achieving impressive cost ratios to maintain a highly competitive position within the market.