How to check an insurance company in the UK
Start with the legal business behind your quote. A brand, intermediary and underwriting insurer can all appear in the same documents. Checking each role helps you contact the right firm.
By CoverDirectory · Sources checked
1. Separate the insurer from the intermediary
Find the underwriting company in the policy wording or quote. Then identify the broker, agent or other business arranging it. Write down each full name and firm reference number separately.
A familiar brand is a starting point for a search, but the legal name tells you which company to match. Ask the business to explain a mismatch before sending payment or personal documents.
2. Use the FCA’s official checks
The FCA Firm Checker shows whether a firm is authorised and has permission for the service you need. Use the Financial Services Register when you need its historical record. Match contact details as well as the name and reference number.
3. Check an appointed representative’s principal
If the business is an appointed representative, identify its principal and check the activities covered by that relationship. Do not assume permission for one service covers every product in a quote.
4. Match the underwriting company
The PRA publishes a list of regulated insurers with firm reference numbers. Use it to distinguish the insurer from similarly named companies. A matching name is an identity check, not a comparison of policy benefits.
5. Keep the evidence with your quote
Keep the register reference and date of your check with the quote. Compare the insured risks, exclusions, excess, policy period and claims contact. If an unexpected email or call gives different contact details, return to the official source before responding.
Save the relevant profiles to your shortlist so you can compare the businesses again when you receive updated documents.
Your checking checklist
- Underwriting company identified.
- Intermediary and any principal identified.
- Firm reference number and relevant permissions checked.
- Official contact details matched.
- Policy terms and claims contact recorded.
Use the linked official sources for the current record. For a question about a particular policy, contact the business using details you have checked.