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FSCS is the UK's compensation fund of last resort for customers of financial services firms authorised by the Financial Services Authority or previous financial regulators. This means that FSCS can pay compensation to consumers if an authorised financial services firm is unable, or likely to be unable, to pay claims against it and so is in "default."
FSCS protects:
- Deposits
- Life and general insurance firms
- Investment business (on or after 28 August 1988)
- Home finance (e.g. mortgage) advice and arranging (on or after 31 October 2004)
- General insurance policies advice and arranging (on or after 14 January 2005), including connected travel insurance where the policy is sold alongside a holiday or other related travel (e.g. by travel firms and holiday providers) (for business on or after 1 January 2009)
There are limits on the amount of compensation that we can pay.
Can we help with your claim?
Why not try our Help with your claim flowchart to help you find out whether FSCS may be able to help with your claim.
You can also download a copy of our consumer guide, How we can help, which contains a print version of the flowchart and provides more information about our role and how we may be able to help with claims for compensation.
Frequently asked questions
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