FCA Regulated and Authorised

Always ensure the warranty you buy is Insurance Backed!


Regulated Protection You Can Trust

The FCA advise consumers to only deal with financial services firms that are authorised for good reason.  Firstly, there is the assurance you are dealing with a genuine and compliant company.  Products will have the protection of the Financial Ombudsman Service (FOS) and Financial Services Compensation Scheme (FSCS) should things go wrong.

FCA regulated companies must provide accounts to the FCA twice a year.  These must prove we have the level of solvency set down under FCA regulations.  Our policy terms are inspected in the event of dispute to ensure they are clear, fair and delivered in a way that is honest and and truthful.  If a policy holder expresses dissatisfaction, they must be 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 Click4Warranty policies provide the genuine protection described on our web site.


Click4Warranty Policies Are Insurance Backed Contracts

Under FCA rules the provision of Mechanical Breakdown 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 Financial Conduct Authority or registered to do so.

We are a motor related insurance company authorised and regulated by the Financial Conduct 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)

Set up by Government to protect consumers, the FCA (Financial Conduct Authority) is the independent regulatory body 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 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.

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.

 From 1 April 2014 the FCA became responsible for regulating the consumer credit industry, taking over the role from the Office of Fair Trading. They can instruct firms to immediately retract or modify promotions it believes are misleading, and to publish these decisions. 


The Financial Services Compensation Scheme (FSCS)

The UK’s statutory compensation scheme for customers of authorised financial services firms. The FSCS can pay compensation if a firm is unable, or likely to be unable, to pay claims 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".

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

An example of why you should only buy insurance backed protection happened very recently.  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 UK policyholders.

The Financial Ombudsman Service

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 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 individual 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 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.

  •  Click4Warranty is a trading style of Future 45 Limited
  •  ADDRESS: Trident Court, 1 Oakcroft Road, Surrey KT9 1BD
  •  COMPANY REGISTRATION No. 5407413
  •  DATA PROTECTION REGISTER No. Z933878X
  •  FINANCIAL CONDUCT AUTHORITY (FCA) No. 461102
  •  T: 0208 819 3424
  •  E: email@click4group.co.uk
  •  W: www.click4warranty.co.uk

Regulating Financial Services and Protecting Your Rights