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FCA Regulated and Authorised

FCA Regulated Protection You Can Trust

The FCA have good reason to strongly advise consumers to only deal with financial services firms that are authorised.  Firstly, you can relax in the knowledge you are dealing with a genuine and compliant company.  You have the protection of the Financial Ombudsman Service (FOS) and Financial Services Compensation Scheme (FSCS) if things go wrong.

In addition, we are required to deliver our accounts to the FCA annually, which must show the level of solvency set down under FCA regulations.  Our policy terms must be fair and delivered in a way that is clear and truthful.  Where a policy holder expresses dissatisfaction, we must record and report this to the FCA and ensure complaints are handled in accordance with the procedures required by the FCA.

All this means that you can be assured we are who we say we are and Click4Gap policies provide the genuine protection described on our web site.

Click4GAP Policies Are Insurance Backed Contracts

Under FCA rules the provision of GAP Insurance is a regulated financial service.  Firms and individuals can only conduct regulated financial services activities in the UK if they are authorised by the FCA or registered to do so.

We are a gap insurance company authorised and regulated by the Financial Services Authority. Our FCA Registered number is 461102.  

You can check this on the FCA’s register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on  0800 111 6768. Click4Gap is a trading style of Future45 Ltd.

Financial Conduct Authority (FCA)

The Financial Conduct Authority is the independent financial regulatory body set up by Government to protect consumers and look after the financial services industry and operates independently of the UK government.  It is financed by charging fees to members of the financial services industry and is a free service to consumers.

The FCA regulates firms providing financial and insurance services to consumers and maintains the integrity of the UK’s financial markets focusing on the regulation of conduct by financial services firms.

The authority has significant powers, including the power to regulate conduct related to the marketing of insurance and financial products. It is able to specify the required standards of these firms and the products they provide. It also has the power to investigate organisations and individuals.

In addition, the FCA is able to instruct firms to immediately retract or modify promotions which it finds to be misleading, and to publish such decisions.  From 1 April 2014 the authority became responsible for regulating the consumer credit industry, taking over the role from the Office of Fair Trading.

The Financial Services Compensation Scheme (FSCS)
The UK’s statutory compensation scheme for customers of authorised financial services firms. This means that FSCS can pay compensation if a firm is unable, or likely to be unable, to pay claims against it. FSCS is an independent body, set up under the Financial Services and Markets Act 2000 (FSMA), and funded by a levy on "authorised financial services firms". The scheme covers deposits, insurance policies, insurance brokering, investments, mortgages and mortgage arrangement.

FSCS is free to consumers and, since 2001, has helped more than 4.5 million people and paid out more than £26 billion.

The Financial Ombudsman Service

The Financial Ombudsman Service is an ombudsman in the United Kingdom established in 2000 and given statutory powers in 2001 by the Financial Services and Markets Act 2000 to help settle disputes between consumers and UK-based businesses providing financial services

The ombudsman makes decisions on the basis of what it believes is fair and reasonable in the particular circumstances of each case. In making decisions on individual complaints, the law requires the ombudsman to take into account: relevant law and regulations; regulator's rules, guidance and standards; codes of practice; and (where appropriate) what he/she considers to have been good industry practice at the relevant time.

The Financial Ombudsman Service is funded by the UK's financial services sector through a combination of statutory levies and case fees. These are paid by financial businesses that are regulated by the Financial Conduct Authority (FCA) or licensed by the Office of Fair Trading (OFT) and are automatically covered by law by the ombudsman service. The payment of these statutory levies and fees are not optional and are payable whether or not a complaint is upheld by the Financial Ombudsman Service. The service is free to consumers.


Regulating Financial Services and Protecting Your Rights