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FCA Regulatory Information

Click4Warranty, 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). We are directly authorised and regulated by the Financial Conduct Authority. 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, can be visited at https://www.fca.org.uk/.  The FCA can only give general information and cannot recommend the products of any company.

We have a duty of care to our policy holders to ensure we are transparent at all times and deliver exceptional customer service.  This Click4Warranty website explains what is needed so you can make an informed decision and select the cover that best meets your needs.  Additionally, if you have any questions, our UK-based consultants are available to provide personal customer service at 0208 819 3424 during office hours.

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

Insurance-backed contracts

The provision of warranty insurance is a regulated financial service and requires firms or individuals who give advice on, or sell, Warranty 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 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.

It 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.

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.

Our promise of good service

The provision of Insurance is a regulated financial service so you benefit from the protection of the Financial Ombudsman Service (FOS)

This means if you are unhappy with the service you receive, and remain so after we complete our complaints procedure, FOS are there to resolve the complaint in a fair, impartial way and enforce their decision as to how we must rectify the situation.