How we work

How the claims process works

We accept online claims for insurance, mortgages, pensions, payment protection insurance, investments and debt management.

If your bank, building society or credit union has failed you don’t need to make a claim. We’ll return your money automatically, up to our compensation limit.

If it’s your insurance company that has failed, we’ll try to get seamless cover with another insurer. If that’s not possible we’ll look to arrange the return of the remaining premium.

For all other claims, you’ll need to use our online claims service.

What happens next?

Check if you can claim

Customer claims

Find out how the claims process works, the different types of claim, and your options if you're unhappy.

The claims process

Why claim with FSCS?

Only when you claim with FSCS will you keep 100% of any compensation you're due.

Claim with FSCS

Useful customer info

Before you claim there are some things you should know, plus we've some tips to make the process run smoothly.

Useful customer info

Useful info for CMCs

Useful information for CMCs so that together we can provide customers with the best service.

Useful info for CMCs

Terms & conditions

FSCS' terms and conditions, individual product stream terms and conditions, as well as technical information.

T&Cs, technical info

Information for industry

Publications, FSCS protected badge, single customer view and learning portal.

Useful info for industry