Regulation
Insurance regulation, explained — the rules and the regulators
How the FCA, PRA and Financial Ombudsman oversee UK general insurance, and what the rules mean for firms and customers.
Explore regulation by topic
The regulators, the key rules, and how decisions are made and enforced.
The FCA
The conduct regulator for insurers, brokers and the retail market.
The PRA
The prudential regulator focused on insurer solvency.
Financial Ombudsman
The free service that settles unresolved complaints.
Conduct rules
The standards firms must meet when dealing with customers.
Pricing & value
Fair-value and pricing requirements, including the duty.
Product governance
How products are approved, monitored and withdrawn.
Consultations & policy
How the FCA consults and sets policy.
Enforcement & fines
When firms breach the rules and what happens next.
Sample resources
Guides & analysis
Consumer Duty in practice means insurers must act in your interest at every step. Understand what good outcomes look like day to day.
The FCA remedy banned price walking so renewals no longer cost more than new business. Understand the rule and what fairer prices mean for you.
The Ombudsman weighs evidence from both sides and decides what is fair. Understand the process, the timescales and what a decision means.