Q&As for brokers about Enterprise Insurance Company PLC


  1. We are an authorised agent of Enterprise Insurance and want to find replacement motor insurance cover for our clients. We think our clients will be due a return of premium from Enterprise but we want to arrange replacement cover for them immediately. If we do so can our clients still make a claim for return of premium?
  2. We are a broker that would like to find replacement cover for our clients who were insured by Enterprise and have found an insurer that will take all of the policies. If we make these arrangements do we need to tell FSCS?
  3. We are a broker that has found and bought replacement cover for our clients who were insured by Enterprise. Can we make return of premiums claims on their behalf, and can FSCS pay the value of the claims to us as we have paid for replacement cover from our own funds?
  4. We are a broker that would like to find replacement cover for our clients who were insured by Enterprise and have found an insurer that will take all of the policies. If we make these arrangements do our clients lose FSCS protection for existing claims?
  5. 5. I want to cancel my policy with Enterprise. I pay premiums for the policy by monthly direct debit to Enterprise. How much will I get back?
  6. I bought my policy using a finance arrangement. The finance arrangement paid for the entire premium when I took out the policy and I pay monthly instalments to the finance company to repay the loan. Is this the same as monthly premium payments to Enterprise?
  7. We are a broker that has clients who have used a finance arrangement to purchase a policy with Enterprise. Can they still make a claim for return of premium if they cancel the policy?
  8. We are an authorised agent of Enterprise Insurance and hold client monies on their behalf. One of our clients is insured with Enterprise and we want to use money we hold for Enterprise to pay a claim on their behalf. If we do so can we claim that money back from FSCS?

We are an authorised agent of Enterprise Insurance and want to find replacement motor insurance cover for our clients. We think our clients will be due a return of premium from Enterprise but we want to arrange replacement cover for them immediately. If we do so can our clients still make a claim for return of premium?

We are a broker that would like to find replacement cover for our clients who were insured by Enterprise and have found an insurer that will take all of the policies. If we make these arrangements do we need to tell FSCS?

We are a broker that has found and bought replacement cover for our clients who were insured by Enterprise. Can we make return of premiums claims on their behalf, and can FSCS pay the value of the claims to us as we have paid for replacement cover from our own funds?

We are a broker that would like to find replacement cover for our clients who were insured by Enterprise and have found an insurer that will take all of the policies. If we make these arrangements do our clients lose FSCS protection for existing claims?

5. I want to cancel my policy with Enterprise. I pay premiums for the policy by monthly direct debit to Enterprise. How much will I get back?

I bought my policy using a finance arrangement. The finance arrangement paid for the entire premium when I took out the policy and I pay monthly instalments to the finance company to repay the loan. Is this the same as monthly premium payments to Enterprise?

We are a broker that has clients who have used a finance arrangement to purchase a policy with Enterprise. Can they still make a claim for return of premium if they cancel the policy?

We are an authorised agent of Enterprise Insurance and hold client monies on their behalf. One of our clients is insured with Enterprise and we want to use money we hold for Enterprise to pay a claim on their behalf. If we do so can we claim that money back from FSCS?

The FCA

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The FOS

The Financial Ombudsman Service is the official independent expert in settling complaints between consumers and financial businesses

Jargon Buster

  • Eligible

    qualifying for compensation under Scheme rules.