The organisations behind UK insurance
UK insurance is shaped by regulators, trade bodies and the firms that sell cover. These profiles explain who each organisation is, what it does, and how its decisions reach your policy and your premium.
Financial Conduct Authority
The conduct regulator that sets the rules for how insurers, brokers and lenders treat customers.
Insurers
The firms that price your risk, write your policy and pay your claim. They sit at the centre of the market.
Financial Ombudsman Service
The free, independent service that settles disputes between you and your insurer when you cannot agree.
Prudential Regulation Authority
The prudential regulator that sets the capital and solvency rules keeping insurers able to pay claims.
Association of British Insurers
The trade body that represents UK insurers and publishes the data that measures the market.
Five profiles are live: the FCA, the PRA, the Financial Ombudsman Service, the ABI and insurers. More organisations and market participants will be added as the reference layer grows.