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FCA Regulatory Information

Click4Gap, part of the AutoProtect Group, is a trading style of Future 45 Limited.

Future 45 Limited is authorised and regulated by the Financial Conduct Authority (Firm Ref No. 461102). You can check this on the FCA’s Register by visiting the Financial Conduct Authority website, which contains a link to a register of all regulated firms. You can visit them at www.fca.org.uk. The FCA can only give general information and can’t recommend the products of any company.

We have a duty of care to our policy holders to ensure we’re transparent at all times and deliver exceptional customer service.  We believe the Click4Gap website explains what’s needed so you can make an informed decision and choose the cover that meets your needs.  Additionally, if you have any questions, our UK-based consultants are available to provide personal customer service in accordance with the rules and standards set out by the FCA.

Future 45 Limited

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Company Registration No
5407413
Financial Conduct Authority (FCA) No.
461102
Data Protection Register No.
Z933878X

Insurance-backed contracts

The provision of Gap Insurance is a regulated financial service and requires firms or individuals who give advice on or sell Gap Insurance in the UK to be authorised by the Financial Conduct Authority (FCA), or be registered to do so.

We are a motor-related insurance company authorised and regulated by the Financial Conduct Authority.

Financial Ombudsman Service (FOS)

Established in 2000, the Financial Ombudsman Service (FOS) was 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 service is provided free to consumers.

The Financial Ombudsman Service (FOS) makes decisions based on what it believes is fair and reasonable in the particular circumstances of each case.  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 time.

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

Financial Services Compensation Scheme (FSCS)

The FSCS is the UK’s statutory compensation scheme for customers of authorised financial services firms, and can pay compensation if a firm is unable or likely to be unable to pay the claims made against it.  It is an independent body, set up under the Financial Services and Markets Act 2000 (FSMA), and is funded by a levy on authorised financial services firms.

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

As an example, on the 28th July 2016, the FSCS declared Enterprise Insurance Company PLC in default, and is working closely with the liquidator to establish the best way to help its policyholders.  If the FSCS establishes Enterprise cannot meet the cost of claims made against it, they will protect its UK-based policyholders.

Our promise of good service

The provision of Insurance is a regulated financial service so, in the event that you’re unhappy with the service you receive from us, and you remain unhappy after first providing us with the opportunity to resolve the matter, you have the right of referral to the Financial Ombudsman Service (FOS). The FOS will make every effort to resolve the complaint in a fair, impartial way and enforce their decision as to how we must rectify the situation.

Please refer to our complaints procedure.