Terms, conditions, technical information

Here you'll find our terms and conditions, individual product terms and conditions, IP deposits and sub-scheme information, as well as items that are legal requirements, such as Determination notices.

FSCS' terms and conditions

These are FSCS' terms and conditions of use.

Product terms & conditions

Product terms and conditions covering FSCS' approach to deposits, investment, insurance, and individual insurance company payment terms.

Default policy

FSCS pays compensation when a financial firm is 'in default'. This explains what 'in default' means, and FSCS' default policy.

Determinations

This is a list of determinations made by FSCS since 2008.

EEA top-ups

Under FSCS' rules, an incoming EEA firm may obtain 'top-up cover' by making an application to FSCS. This details the procedure.

IP deposits

This section for insolvency practitioners explains FSCS' role in a deposit failure, the role of the liquidation, and some templates for IPs to download.

Deposits sub-scheme

Covers claims against failed deposit-takers, e.g. banks, building societies and credit unions.

Investments sub-scheme

Covering investment claims, such as claims relating to financial advisers and investment firms.

Insurance mediation sub-scheme

Protecting policyholders if an authorised firm is unable, or likely to be unable, to pay claims against it.

Insurance business sub-scheme

Covering claims for compensation that arise following the failure of an authorised insurer.

Home finance sub-scheme

Providing protection if a mortgage firm is unable, or likely to be unable, to pay claims against it.

Check your money is protected

You can check how much of your money is protected by using our protection checker.