ICOBS 4: What Must Your Home Insurer Tell You Before You Buy?
ICOBS 4 requires insurers to give you an IPID before purchase. What it must contain and your rights if it is not provided. Plain English FCA rule explanation.
What Does FCA Regulated Mean? Plain English Guide to FCA Authorisation
FCA regulated means FCA-authorised under FSMA 2000. Plain English explanation of what protections this gives you -- FOS access, FSCS cover, Consumer Duty compliance.
MCOB 13: What Your Mortgage Lender Must Do If You Miss a Payment
MCOB 13 requires lenders to treat mortgage arrears fairly -- repossession is a last resort. FCA rules on payment arrangements, debt advice referral and Pre-Action Protocol.
FOS vs FSCS: Which Scheme Do You Use and When?
FOS vs FSCS: the FOS handles disputes with trading firms up to 430,000 pounds; FSCS covers insolvent firm claims at 90% with no upper limit. Key differences explained.
FCA Vulnerable Customers: Your Rights Under Consumer Duty Explained
Consumer Duty Outcome 4 requires insurers to support vulnerable customers. FCA FG21/1 four vulnerability drivers explained and how to challenge inadequate support.
FCA Fair Value in Home Insurance: Consumer Duty Outcome 2 Explained
Consumer Duty Outcome 2 requires insurers to prove fair value. How the FCA fair value test works for home insurance add-ons and bundled products, and how to challenge.
FCA Register: How to Check If a Financial Firm Is Authorised
How to use the FCA Register at register.fca.org.uk: check Authorised status, verify FRN, understand Authorised vs Registered and check for enforcement actions.
DISP 2.8: The 6-Month Financial Ombudsman Deadline Explained
DISP 2.8 sets the 6-month FOS deadline from the Final Response Letter date. Miss it and the FOS cannot accept your case. Plain English explanation of all FOS time limits.
MCOB 11: What Affordability Checks Must a Mortgage Lender Do?
MCOB 11 requires mortgage lenders to verify income, assess all expenditure and stress test repayments before approving a mortgage. Plain English explanation of FCA rules.
MCOB 2: Can Your Mortgage Lender Force You to Use Their Buildings Insurance?
MCOB 2.6A prohibits mortgage lenders from forcing you to use their buildings insurance. Plain English explanation of your rights and how to arrange your own cover.
ICOBS 6B: The FCA Home Insurance Price Walking Ban Explained
ICOBS 6B (January 2022) bans home insurers from charging existing customers more than new customers at renewal. How to check your renewal price and challenge breaches.
FSCS Home Insurance Protection: 90% Cover With No Upper Limit Explained
FSCS protects home insurance policyholders if their FCA-authorised insurer fails: 90% of any claim with no upper limit. Plain English explanation with FCA FRN verification guide.
How to Complain to the Financial Ombudsman Service: UK Guide 2026
Step-by-step guide to the Financial Ombudsman Service 2026: eligibility, the 6-month deadline, what FOS can award up to 430,000 pounds, and home insurance dispute process.
FCA Consumer Duty Explained: Your Rights Against Unfair Insurance and Bank Charges
FCA Consumer Duty (PRIN 12) requires insurers and banks to prove fair value. Plain English explanation of four outcomes, how to use Consumer Duty to challenge renewal prices and claims.
ICOBS 8: What to Do If Your Home Insurance Claim Is Refused -- FCA Rules
ICOBS 8 requires fair home insurance claims handling. FCA rule text, step-by-step challenge process and FCA firm-level upheld rates showing which insurers are most often overturned.
ICOBS 7: Can I Cancel Home Insurance Within 14 Days? FCA Rule Explained
ICOBS 7 explained: UK consumers have a mandatory 14-day right to cancel home insurance for any reason. FCA Handbook rule text, refund rules and step-by-step cancellation guide.
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