How can I check if an insurance broker is FCA regulated?

You can verify a broker's regulatory status by checking the Financial Services Register on the FCA's official website (register.fca.org.uk). You will need their firm reference number (FRN) or company name.

Does an FCA-regulated broker guarantee the lowest insurance price?

No, an FCA-regulated broker's primary duty is to act in your best interests, which includes finding appropriate cover for your demands and needs. While they aim for competitive pricing, the focus is on suitability and value, not necessarily the absolute lowest price, especially if that policy offers inadequate cover.

What if I have a complaint against an FCA-regulated insurance broker?

If you have a complaint that cannot be resolved directly with the broker, you can refer it to the Financial Ombudsman Service (FOS). The FOS provides a free, independent service for resolving disputes between eligible consumers and financial services firms.

What is the difference between an FCA-regulated broker and an insurer?

An FCA-regulated broker acts as an intermediary, working on your behalf to find suitable insurance products from various insurers. An insurer is the company that underwrites and provides the actual insurance policy and pays out claims. Both are regulated by the FCA, but their roles are distinct.

Are there any specific types of insurance that an FCA-regulated broker must provide guidance on?

An FCA-regulated broker must provide guidance on cover that is appropriate for your stated demands and needs. For example, if you employ staff, cover may be arranged for the legal requirement for [Employers' Liability insurance](https://focusinsurance.co.uk/employers-liability-insurance) under the Employers' Liability (Compulsory Insurance) Act 1969, subject to underwriting criteria and terms. They will also consider other essential covers like Public Liability, Professional Indemnity, and Business Interruption based on your business activities.

What is an FCA Regulated Insurance Broker and Why Does It Matter in 2026?

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