Is my insurance policy protected?

You make sure you’ve got insurance for the things that are really important to you, like your home, car or pet. But if something went wrong and your insurer went bust, would you be confident your insurance policy was protected?

Before you take out any kind of insurance policy, it’s essential to know if FSCS would protect your money if your insurer failed. We can only protect you if the Prudential Regulation Authority has authorised your insurance provider.

How can I check if my insurance provider is FSCS protected?

Search the Financial Conduct Authority (FCA) register using your insurance provider’s firm reference number (FRN) for the most accurate results. Find the FRN in your paperwork or emails, or ask your provider if you can’t find it. If the FCA search results show the firm’s status as ‘authorised’, FSCS may be able to compensate you if this firm fails.

Know your compensation limits

Insurance brokers

90% of the total claim.
100% of the first £2,000, per person per firm then 90% of the remainder.
The above dates relate to when the firm failed, not when you received your advice.

Insurance companies

General insurance
100% protected where claims:
  • arise in respect of a liability subject to compulsory insurance; or
  • arise in respect of a liability subject to professional indemnity insurance; or
  • arise from the death or incapacity of the policyholder due to injury, sickness, or infirmity.
90% protected where claims arise under other types of policy with no upper limit.
100% protected for compulsory insurance claims (e.g., third-party motor and employers' liability).
90% protected for non-compulsory insurance claims.
100% protected for compulsory insurance claims (e.g., third-party motor and employers' liability).

For claims under other types of policy
Maximum level of compensation is 100% of the first £2,000 plus 90% of the remainder with no upper limit.
100% protected for compulsory insurance claims (e.g., third-party motor and employers' liability).
90% protected for non-compulsory insurance claims.
Info

No protection is available for goods in transit, marine, aviation and credit insurance. Contracts of reinsurance are also not protected.

The above dates relate to when the firm failed, not when you received your advice.
Long-term insurance (e.g. pensions and life assurance)
100% of the claim with no upper limit.
90% of the claim with no upper limit.


100% of the first £2,000 plus 90% of the first remainder.
The above dates relate to when the firm failed, not when you received your advice.
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