Q&As about Lemma Europe Insurance Company Ltd


Lemma was based in Gibraltar so does the FSCS cover policyholders with the firm?

Which Lemma policies may qualify for FSCS protection?

Are solicitors covered by FSCS?

Why does FSCS pay compensation at 90% of the value of the claim?

What is the limit for employer’s liability insurance?

Are there any limitations or restrictions on FSCS protection for Lemma policyholders?

Who qualifies for FSCS protection?

Does FSCS cover all Lemma policies?

What happens if I have a claim?

I had a claim being processed by Lemma. Will I have to start again and apply to FSCS?

Should I cancel my policy now or make other arrangements?

I run a business and have a Lemma policy. Is my business covered?

Does FSCS have the money to pay claims?

I cancelled my policy with Lemma a short while ago, can I make a claim?

How long will it take to process my claim?

Who should I contact if I have a question about my policy?

I submitted a claim to Lemma and urgently need to settle it. Can you tell me what the status of my claim is?

Do I have to pay to claim compensation from FSCS?

Do I need to use a third party to claim for compensation?

Do FSCS protect claims for loss of premium?

How will I know how much premium I am due?

Jargon Buster

  • EEA

    European Economic Area.
  • Eligible

    qualifying for compensation under Scheme rules.
  • FCA

    The Financial Conduct Authority is the UK's regulator for the financial services industry. 

  • In default

    A firm unable, or likely to be unable to pay claims against it. This will generally be because it has stopped trading and has insufficient assets to meet claims, or is in insolvency.
  • SHIPs

    Safe Home Income Plans