No Extras from the Halifax

By PATRICIA BASS
Updated: 00:00 BST, 7 October 2004

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世界保健機構 gives you extra? The Halifax soon won't. It is 身を引くing its Extras 経常収支 and 非難するs new 支配するs in the 保険 産業 for the 決定／判定勝ち（する）.

The Extras account 供給するs people 支払う／賃金ing in £1,000 each month with 解放する／自由な basic 決裂／故障 and travel 保険 加える 割引s on car and home 保険. The last three are all Halifax 製品s.

The bank says that the account will be too 高くつく／犠牲の大きい to run if it has to giv e advice to anyone taking out these 保険 政策s. New 財政上の Services 当局 支配するs from January 要求するs 保険会社s to 供給する advice と一緒に 政策s if 顧客s want it.

The FSA's 支配するs mean that 保険 providers will have to 適用する for authorisation to sell 製品s and they 始める，決める out 指導基準s for giving advice.

The FSA 否定するs, however, that this would やむを得ず 軍隊 保険会社s to stop 申し込む／申し出ing 製品s. Robert Gordon-Walker, a 広報担当者 for the FSA, 主張するd that 製品 providers will not have to give advice and will still be able to sell 保険 without it.

'It will not be compulsory to 供給する advice. It's essentially a 顧客 選ぶ-in,' he says.

The Halifax's 姿勢 is that it does not want to 申し込む／申し出 the 製品 without 存在 able to 供給する 顧客s with advice if they want it. 供給するing advice, however, 大幅に 増加するs the cost of the account, it says.

存在するing account 支えるもの／所有者s will be able to keep their accounts. The Halifax said it has no 計画（する）s for a 交替／補充 製品 at 現在の.

Stuart Glendinning of price comparison website Moneysupermarket.com attacked the FSA's 指導基準s, which he said would not have the 願望（する）d 影響.

'It is a shame the Halifax Extras account is to be 孤立した. Halifax has done a lot to 補助装置 in the shake up of this 沈滞した market by 申し込む／申し出ing attractive 代案／選択肢s to the main propositions from the big banks.

'This 一括d account 申し込む／申し出d an attractive 取引，協定, didn't 徴収する any 料金s and its 撤退 is a loss to the 顧客. The bank says that it is 身を引くing this 製品 予定 to the cost of 規則. This is another example of 井戸／弁護士席-意向d 規則 having the opposite 影響.'