Premier Insurance Company Limited

FSCS is helping eligible customers who have been affected by the failure of Premier Insurance Company Limited and who had a valid insurance policy when the insurer failed.

We will help by paying claims made against protected policies once payments have been approved by the appointed insolvency practitioner. 

We provide 100% protection for compulsory insurance claims (i.e. third-party motor claims). For other types of claims, our protection is 90%. You can find more information on FSCS protection rules and limits on our website.

FSCS will protect most customers of Premier Insurance Company Limited who are individuals or small businesses with an annual turnover of less than £1m. For motor insurance, protection is only available for eligible customers if the vehicle is registered in the UK. 

Please use these web pages to view the latest updates. 

FSCS will protect UK customers of Premier Insurance Company Limited who are individuals or small businesses with an annual turnover of less than £1m.

For motor insurance, protection is only available for eligible customers if the vehicle is registered in the UK.

More information on FSCS protection rules and limits is on our website.

We are working with the insolvency practitioner and its appointed claims handling agents to process outstanding payments as quickly as possible. We ask that you are patient while we process them. 

When an insurance company fails, FSCS is not responsible for agreeing settlements on outstanding insurance claims. The insolvency practitioner is responsible for this.

When an insurance company fails, FSCS is not responsible for agreeing settlements on outstanding insurance claims. The insolvency practitioner’s appointed claims handling agents are responsible for this. This may be the same company or solicitors who were already dealing with this matter.

From 14 October 2025, all ongoing and new claims arising from insurance policies issued by Premier Insurance Company Limited are the responsibility of the insolvency practitioner. The appointed claims handling agents, Davies Group will handle these claims.

Please direct all communications about claims to Davies Group, contactable on 0344 856 2176 and premiernewclaims@davies-group.com (for new claims) or premier.claims@davies-group.com (for existing claims).

 

If any personal details have changed, please contact the UK broker representative from whom you purchased your Premier Insurance Company Limited policy.

FSCS cannot provide no-claims (NCB) documents. You will need to contact the UK broker representative from whom you purchased your Premier Insurance Company Limited policy.

The insolvency practitioner gave notice to policyholders, via their brokers, that car, van and motorbike policies would end on 1 December 2025.  

Motor insurance is compulsory. It is an offence to use your vehicle without it. 

Please make sure you have valid insurance cover for your motor vehicle from the date your Premier policy will be/was disclaimed/ended. 

FSCS cannot arrange alternative cover for you. You may want to contact your broker to arrange alternative cover.   

If you’re unsure, talk to an insurance broker who specialises in motor insurance about replacement cover. You can find one via the British Insurance Brokers’ Association’s 'Find Insurance’ service or call them on 0370 950 1790.  

In general, for car, van and motorbike policies that were disclaimed/ended on 1 December, no monthly premiums should be taken after this date.    

FSCS cannot give assurances about monthly payments. Please contact your broker if you have any concerns or you are still making monthly payments. 

The insolvency practitioner is working with brokers to identify all customers of Premier Insurance Company Limited who have had their policy disclaimed/ended and are entitled to a pro-rata premium refund for the remaining period of cover.   

The administrator calculates the amount we can pay when your policy cover ends. The refund is a pro-rata payment. The value will depend on how much time was left on the policy when it ended.  

If you're due a return of premium, and are eligible under our rules, your broker will receive a payment from FSCS on your behalf. The level of our protection for payments relating to a return of premium is 90%.  

Your broker will give you the opportunity to use the refund as a contribution towards the cost of a new motor insurance policy with a different insurer. Alternatively, they will arrange to pass the payment on to you. 

Please note that this may not apply if you cancelled your policy or have made a chargeback claim against your bank or credit card provider. If you're not sure, please contact your broker. 

The initial return of premium will be paid to your broker. You may ask that the broker passes the refund they received on your behalf on to you.  

For the latest information on the failure of Premier Insurance Company Limited, sign up for email updates on this page. 

For a small number of customers, the insolvency practitioner was unable to arrange for a pro-rata refund to be paid to the current broker.  

 FSCS will pay these refunds directly to customers. 

We are working with the insolvency practitioner to make return of premium payments as close as possible to the date your policy was disclaimed/ended.   

For the latest information on the failure of Premier Insurance Company Limited, sign up for email updates on this page. 

No. The insolvency practitioner has disclaimed/ended policies because the insurer has gone into administration.