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FCA & Financial Services Compensation Scheme

Our association with the FCA and Financial Services Compensation Scheme is a web site owned by Click2protect UK Limited. Click2protect Uk Limited are authorised and regulated by the Financial Conduct Authority. Our FCA register number is 670499. You can check this by visiting the Financial Services web site at

What does ‘directly’ authorised mean? 

All firms participating in the business of insurance mediation (insurance broker) must be authorised and regulated by the FCA.

A firm can choose to do this in one of two ways;

1. It can choose to be ‘directly’ authorised which means that it must report directly to the FCA every six months. Directly authorised firms are required to submit a statutory report to the FCA twice yearly to enable the regulator to monitor firms financial stability and regulatory performance,

2. A firm can also choose to be an ‘Appointed Representative’ of another third party firm, which does not require it to report directly to the FCA or provide it with financial or regulatory data for monitoring purposes.

For the peace of mind and security of our customers, we voluntarily chose to become ‘directly’ authorised despite that being a substantially more costly and transparent route.

Our insurers are also authorised by the FCA. Please refer to the policy terms and conditions for more detail or find out more about them on “Our Insurer”

All insurers featured on this web site are covered by the FSCS – the Financial Services Compensation Scheme.


Please see below an extract from the terms and conditions of the insurers policy;

“The Insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the Insurer cannot complete Their obligations”.

What is the Financial Services Compensation Scheme ?

Please see below an extract taken from the FSCS web site;

Q. What is the Financial Services Compensation Scheme (FSCS)?

A. The FSCS is the UK’s statutory fund of last resort for customers of financial services firms. This means the FSCS can pay compensation to consumers if a financial services firm is unable, or likely to be unable, to pay claims against it. The FSCS is an independent body, set up under the Financial Services and Markets Act 2000 (FSMA). We do not charge individual consumers for using our service.

If you have any questions relating to the Financial Services Compensation Scheme, please visit the FSCS web site at