FSA has published a factsheet for insurance brokers setting out how it expects them to deal with customers when offering “optional extras” to insurance contracts. It found many brokers did not properly communicate to customers that these products were optional, and many categorised them as advised sales when in fact they gave no advice on the suitability of the extra product. It also found lack of clarity in how the price of the extras was communicated to customers. FSA suggests how firms should review their initial disclosure documents and demands and needs statements (DNS) to make information about the extras clearer to customers. FSA has also published a factsheet giving some guidance to firms on issues to consider when establishing whether a contract is an insurance contract. (Source: FSA Factsheet on Optional Extras and FSA Factsheet on Contracts of Insurance.)