Marrow

Who underwrites each brand

The AI Visibility Index ranks consumer brands. Many of those brands are intermediaries rather than the company an insurance contract is actually made with, and some products are underwritten by a panel of carriers whose composition varies by policy.

This page gives, for each brand, the indications required by article 24(2) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005: the person the contract of insurance is made with, that person's country of incorporation and principal place of business, whether it is regulated for its insurance business and by whom, and whether the transaction falls within a dispute resolution scheme or a compensation scheme.

Direct Line and Churchill are both underwritten by U K Insurance Limited and are ranked here as separate consumer brands, not as separate insurers.

Where a field could not be established from the firm's own primary documents it is shown as an explicit gap with the reason, rather than filled in by inference. Every entry carries the date it was verified and the document it came from. Firm reference numbers should be checked against the Financial Services Register before being relied on.

Published brands

21 brands in the Index

Admiral

Intermediary

Motor

Insurance contract is with24(2)(a)
Panel
  • Admiral Insurance Company Limited
  • Admiral Insurance (Gibraltar) Limited
  • Great Lakes Insurance UK Limited

Motor cover is written by a co-insurance panel. The share and composition vary by policy, so no single carrier can be named as the person with whom a given customer's contract is made.

Country of incorporation24(2)(b)
England and Wales (Admiral Insurance Company Limited, 04080051); Gibraltar (Admiral Insurance (Gibraltar) Limited, 85455); England and Wales (Great Lakes Insurance UK Limited, 13436330)
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Not establishedReference 220858 appears as both a Gibraltar Financial Services Commission registration and an FCA reference in Admiral's own documents, so the regulator statement for Admiral Insurance (Gibraltar) Limited cannot be given. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 955859.
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Not establishedFSCS position for the Gibraltar panel member is not confirmed from a current policy wording.
Firm reference numberreference
219824; 220858 (disputed, see regulator); 955859
Brand is an intermediaryreference
EUI Limited. Company number 02686904. FRN 309378.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Admiral is a brand of EUI Limited, not an insurer in its own right.
  • Admiral is also ranked in travel and pet. No underwriting carrier has been established for those two lines.

Home & Contents

Insurance contract is with24(2)(a)
Admiral Insurance (Gibraltar) Limited
Country of incorporation24(2)(b)
Gibraltar
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Not establishedReference 220858 appears as both a Gibraltar Financial Services Commission registration and an FCA reference in Admiral's own documents. Confirm before publishing.
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Not establishedFSCS position for this Gibraltar carrier is not confirmed from a current policy wording.
Firm reference numberreference
220858 (disputed, see regulator)
Brand is an intermediaryreference
EUI Limited. Company number 02686904. FRN 309378.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Admiral is a brand of EUI Limited, not an insurer in its own right.
  • Admiral is also ranked in travel and pet. No underwriting carrier has been established for those two lines.

Saga

Intermediary

Motor

Insurance contract is with24(2)(a)
Ageas Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202039
Brand is an intermediaryreference
Saga Services Limited. Company number 732602. FRN 311557.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Saga is not an insurer. Saga's own underwriting business was sold to Ageas on 1 July 2025.
  • Saga's motor underwriting moved to Ageas Insurance Limited on 16 December 2025 and its home underwriting in the first quarter of 2026, both inside the period measured here. The Saga position therefore does not describe a single stable underwriting arrangement.
  • Saga is also ranked in travel. No underwriting carrier has been established for that line.

Home & Contents

Insurance contract is with24(2)(a)
Ageas Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202039
Brand is an intermediaryreference
Saga Services Limited. Company number 732602. FRN 311557.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Saga is not an insurer. Saga's own underwriting business was sold to Ageas on 1 July 2025.
  • Saga's motor underwriting moved to Ageas Insurance Limited on 16 December 2025 and its home underwriting in the first quarter of 2026, both inside the period measured here. The Saga position therefore does not describe a single stable underwriting arrangement.
  • Saga is also ranked in travel. No underwriting carrier has been established for that line.

LV=

Insurer

Motor

Insurance contract is with24(2)(a)
Liverpool Victoria Insurance Company Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202965

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Liverpool Victoria Insurance Company Limited moves to Allianz Insurance plc on 1 January 2027.

Home & Contents

Insurance contract is with24(2)(a)
Liverpool Victoria Insurance Company Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202965

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Liverpool Victoria Insurance Company Limited moves to Allianz Insurance plc on 1 January 2027.

Travel

Insurance contract is with24(2)(a)
Liverpool Victoria Insurance Company Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202965

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Liverpool Victoria Insurance Company Limited moves to Allianz Insurance plc on 1 January 2027.

Pet

Insurance contract is with24(2)(a)
Liverpool Victoria Insurance Company Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202965

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Liverpool Victoria Insurance Company Limited moves to Allianz Insurance plc on 1 January 2027.

Direct Line

Insurer

Motor

Insurance contract is with24(2)(a)
U K Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202810

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • The same legal entity underwrites Churchill.
  • U K Insurance Limited is subject to a proposed Part VII transfer into Aviva Insurance Limited, with a proposed effective date of 31 December 2026. The transfer has not completed, so the carrier named above is still U K Insurance Limited.

Home & Contents

Insurance contract is with24(2)(a)
U K Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202810

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • The same legal entity underwrites Churchill.
  • U K Insurance Limited is subject to a proposed Part VII transfer into Aviva Insurance Limited, with a proposed effective date of 31 December 2026. The transfer has not completed, so the carrier named above is still U K Insurance Limited.

Travel

Insurance contract is with24(2)(a)
U K Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202810

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • The same legal entity underwrites Churchill.
  • U K Insurance Limited is subject to a proposed Part VII transfer into Aviva Insurance Limited, with a proposed effective date of 31 December 2026. The transfer has not completed, so the carrier named above is still U K Insurance Limited.

Pet

Insurance contract is with24(2)(a)
U K Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202810

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • The same legal entity underwrites Churchill.
  • U K Insurance Limited is subject to a proposed Part VII transfer into Aviva Insurance Limited, with a proposed effective date of 31 December 2026. The transfer has not completed, so the carrier named above is still U K Insurance Limited.

Churchill

Insurer

Motor

Insurance contract is with24(2)(a)
U K Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202810

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • The same legal entity underwrites Direct Line.
  • U K Insurance Limited is subject to a proposed Part VII transfer into Aviva Insurance Limited, with a proposed effective date of 31 December 2026. The transfer has not completed, so the carrier named above is still U K Insurance Limited.

Home & Contents

Insurance contract is with24(2)(a)
U K Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202810

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • The same legal entity underwrites Direct Line.
  • U K Insurance Limited is subject to a proposed Part VII transfer into Aviva Insurance Limited, with a proposed effective date of 31 December 2026. The transfer has not completed, so the carrier named above is still U K Insurance Limited.

Travel

Insurance contract is with24(2)(a)
U K Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202810

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • The same legal entity underwrites Direct Line.
  • U K Insurance Limited is subject to a proposed Part VII transfer into Aviva Insurance Limited, with a proposed effective date of 31 December 2026. The transfer has not completed, so the carrier named above is still U K Insurance Limited.

Pet

Insurance contract is with24(2)(a)
U K Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202810

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • The same legal entity underwrites Direct Line.
  • U K Insurance Limited is subject to a proposed Part VII transfer into Aviva Insurance Limited, with a proposed effective date of 31 December 2026. The transfer has not completed, so the carrier named above is still U K Insurance Limited.

Hastings Direct

Intermediary

Motor

Insurance contract is with24(2)(a)
Advantage Insurance Company Limited
Country of incorporation24(2)(b)
Gibraltar
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Gibraltar Financial Services Commission
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Not establishedFSCS position for this Gibraltar carrier is not confirmed from a current policy wording.
Firm reference numberreference
Not establishedGibraltar Financial Services Commission registration; no FCA FRN recorded in the brief.
Brand is an intermediaryreference
Hastings Insurance Services Limited. Company number 3116518. FRN 311492.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Hastings Direct is not an insurer.
  • Hastings Direct is also ranked in home. The home underwriting carrier has not been established, and Hastings home has historically been a panel product rather than following the motor arrangement.

NFU Mutual

Insurer

Motor

Insurance contract is with24(2)(a)
The National Farmers Union Mutual Insurance Society Limited
Country of incorporation24(2)(b)
England
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
117664

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Home & Contents

Insurance contract is with24(2)(a)
The National Farmers Union Mutual Insurance Society Limited
Country of incorporation24(2)(b)
England
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
117664

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Aviva

Insurer

Motor

Insurance contract is with24(2)(a)
Aviva Insurance Limited
Country of incorporation24(2)(b)
Scotland
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202153

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Home & Contents

Insurance contract is with24(2)(a)
Aviva Insurance Limited
Country of incorporation24(2)(b)
Scotland
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202153

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Travel

Insurance contract is with24(2)(a)
Aviva Insurance Limited
Country of incorporation24(2)(b)
Scotland
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202153

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Pet

Insurance contract is with24(2)(a)
Aviva Insurance Limited
Country of incorporation24(2)(b)
Scotland
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202153

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

AXA

Insurer

Motor

Insurance contract is with24(2)(a)
AXA Insurance UK plc
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
20 Gracechurch Street, London EC3V 0BG
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202312

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Home & Contents

Insurance contract is with24(2)(a)
AXA Insurance UK plc
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
20 Gracechurch Street, London EC3V 0BG
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202312

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Travel

Insurance contract is with24(2)(a)
AXA Insurance UK plc
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
20 Gracechurch Street, London EC3V 0BG
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202312

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Tesco Bank

Intermediary

Motor

Insurance contract is with24(2)(a)
Tesco Underwriting Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
Not establishedTesco Underwriting Limited's FRN is not established. Do not publish a number until it is checked against register.fca.org.uk.
Brand is an intermediaryreference
Tesco Personal Finance Ltd, trading as Tesco Insurance. Company number SC173199. FRN 186022.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Barclays acquired the Tesco Bank banking business on 1 November 2024. The insurance arm was retained by Tesco and trades as Tesco Insurance, so the brand name used here may no longer be the one consumers see.

Home & Contents

Insurance contract is with24(2)(a)
Tesco Underwriting Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
Not establishedTesco Underwriting Limited's FRN is not established. Do not publish a number until it is checked against register.fca.org.uk.
Brand is an intermediaryreference
Tesco Personal Finance Ltd, trading as Tesco Insurance. Company number SC173199. FRN 186022.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Barclays acquired the Tesco Bank banking business on 1 November 2024. The insurance arm was retained by Tesco and trades as Tesco Insurance, so the brand name used here may no longer be the one consumers see.

Pet

Insurance contract is with24(2)(a)
Tesco Underwriting Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
Not establishedTesco Underwriting Limited's FRN is not established. Do not publish a number until it is checked against register.fca.org.uk.
Brand is an intermediaryreference
Tesco Personal Finance Ltd, trading as Tesco Insurance. Company number SC173199. FRN 186022.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

  • Barclays acquired the Tesco Bank banking business on 1 November 2024. The insurance arm was retained by Tesco and trades as Tesco Insurance, so the brand name used here may no longer be the one consumers see.

Hiscox

Insurer

Home & Contents

Insurance contract is with24(2)(a)
Hiscox Insurance Company Ltd
Country of incorporation24(2)(b)
England
Principal place of business24(2)(c)
Hiscox, 22 Bishopsgate, London EC2N 4BQ
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Not establishedFSCS wording is not stated on the Hiscox terms page. Needs a current home policy wording.
Firm reference numberreference
Not establishedThe Financial Services Register number is not stated on the Hiscox terms page. Secondary sources give 113849; not accepted without a primary source.
Brand is an intermediaryreference
Hiscox Underwriting Ltd. Company number 02372789. FRN not established.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Source: https://www.hiscox.co.uk/terms-and-conditions

Zurich

Insurer

Home & Contents

Insurance contract is with24(2)(a)
Zurich Insurance Company Ltd
Country of incorporation24(2)(b)
Switzerland
Principal place of business24(2)(c)
UK Branch, The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Not establishedNot stated on Zurich's UK legal notice. Needs a policy wording.
Compensation scheme24(2)(f)
Not establishedNot stated on Zurich's UK legal notice. Needs a policy wording.
Firm reference numberreference
959113

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://www.zurich.co.uk/legal

  • Zurich Insurance Company Ltd (Switzerland, UK branch) and Zurich Insurance plc (Ireland) both write UK consumer home cover under the Zurich brand. Which of the two applies to the ranked Zurich home position has not been established.

Travel

Insurance contract is with24(2)(a)
Zurich Insurance Company Ltd
Country of incorporation24(2)(b)
Switzerland
Principal place of business24(2)(c)
UK Branch, The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Not establishedNot stated on Zurich's UK legal notice. Needs a policy wording.
Compensation scheme24(2)(f)
Not establishedNot stated on Zurich's UK legal notice. Needs a policy wording.
Firm reference numberreference
959113

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://www.zurich.co.uk/legal

  • Zurich Insurance Company Ltd (Switzerland, UK branch) and Zurich Insurance plc (Ireland) both write UK consumer home cover under the Zurich brand. Which of the two applies to the ranked Zurich home position has not been established.

Petplan

Intermediary

Pet

Insurance contract is with24(2)(a)
Allianz Insurance plc
Country of incorporation24(2)(b)
England
Principal place of business24(2)(c)
57 Ladymead, Guildford, Surrey GU1 1DB
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Not establishedFSCS wording is not stated on Petplan's privacy and legal page. Needs a policy wording.
Firm reference numberreference
121849
Brand is an intermediaryreference
Pet Plan Limited. Company number 1282939. FRN 311969.

Verified 2026-07-30. The scheme positions above are stated on the general basis that a UK-incorporated, PRA-authorised insurer's general insurance business falls within both schemes, rather than quoted from this firm's own policy wording. Check your policy documents for the position that applies to you.

Source: https://www.petplan.co.uk/privacy-and-legal.html

Agria

Intermediary

Pet

Insurance contract is with24(2)(a)
Panel
  • Agria Försäkring, the UK branch of Försäkringsaktiebolaget Agria (publ)
  • Ecclesiastical Insurance Office plc

Cover is split within a single policy. Agria Försäkring underwrites sections 1, 2, 3, 5, 6, 7 and 8a to 8d. Ecclesiastical Insurance Office plc underwrites sections 4 and 8e, third party liability. Which carrier your contract is with depends on the section claimed under.

Country of incorporation24(2)(b)
Sweden (Försäkringsaktiebolaget Agria (publ), 516401-8003); England (Ecclesiastical Insurance Office plc, 24869)
Principal place of business24(2)(c)
Agria Försäkring UK branch, First Floor, Blue Leanie, Walton Street, Aylesbury, Buckinghamshire HP21 7QW; Ecclesiastical Insurance Office plc, Benefact House, 2000 Pioneer Avenue, Gloucester Business Park, Brockworth, Gloucester GL3 4AW
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Försäkringsaktiebolaget Agria (publ) is authorised and regulated by Finansinspektionen in the jurisdiction of Sweden. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Ecclesiastical Insurance Office plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme. The wording states that Försäkringsaktiebolaget Agria (publ) and Ecclesiastical Insurance Office plc are covered by the FSCS
Firm reference numberreference
623469 (Försäkringsaktiebolaget Agria (publ)); 113848 (Ecclesiastical Insurance Office plc)
Brand is an intermediaryreference
Agria Pet Insurance Ltd. Company number 04258783. FRN 496160.

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://assets.agriapet.co.uk/terms/Agria%20Lifelong%20TsCs.pdf

  • Agria is also ranked in home and travel. Agria is a pet specialist and no underwriting carrier has been established for those lines.

ManyPets

Intermediary

Pet

Insurance contract is with24(2)(a)
Panel
  • Wakam SA
  • SCOR UK Company Limited

The October 2025 Insurance Product Information Document states the scheme is underwritten by Wakam SA at 50 per cent and SCOR UK Company Limited at 50 per cent through a co-insurance arrangement. The August 2024 policy handbook names Wakam SA alone, so the split may post-date part of the measurement period.

Country of incorporation24(2)(b)
France (Wakam SA, Paris Trade and Companies Register, Siren 562 117 085); England (SCOR UK Company Limited)
Principal place of business24(2)(c)
Wakam SA UK branch, 18th and 19th floors, 100 Bishopsgate, London EC2N 4AG
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Wakam SA is authorised and regulated by Autorité de Contrôle Prudentiel et de Résolution in France, authorised by the Prudential Regulation Authority, and subject to regulation by the Financial Conduct Authority and the Prudential Regulation Authority. SCOR UK Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme. The handbook states you may be entitled to compensation from the FSCS if Wakam SA are unable to meet the liabilities under the policy
Firm reference numberreference
517214 (Wakam SA)
Brand is an intermediaryreference
ManyPets Ltd. Company number not established. FRN 652623.

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://manypets.com/uk/resources/policy-wording/Pet-Insurance-Handbook-2024-08-01-IBS.pdf

  • ManyPets' published handbook and its product information document differ on whether SCOR UK Company Limited is a 50 per cent co-insurer. The more recent document is used above.

Animal Friends

Intermediary

Pet

Insurance contract is with24(2)(a)
Pinnacle Insurance Limited
Country of incorporation24(2)(b)
England and Wales
Principal place of business24(2)(c)
4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire WD6 1JH
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme. The policy booklet states Pinnacle Insurance Limited is a member of the UK's Financial Services Compensation Scheme
Firm reference numberreference
110866
Brand is an intermediaryreference
Animal Friends Insurance Services Limited. Company number 03630812. FRN 307858.

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://www.animalfriends.co.uk/siteassets/media/pdfs/policy-documents/policy-booklets/v5-2025/lifetime_prestige.pdf

  • Underwriting changed from Red Sands Insurance Company (Europe) Ltd to Pinnacle Insurance Limited on 27 February 2025. Policies that started before that date sit with the earlier carrier.

Co-op

Intermediary

Pet

Insurance contract is with24(2)(a)
West Bay Insurance Plc
Country of incorporation24(2)(b)
Gibraltar
Principal place of business24(2)(c)
846-848 Europort, Gibraltar
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Regulated by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting insurance business in the UK
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Not establishedThe wording contains an FSCS section but the position for this Gibraltar carrier has not been confirmed in full. Same issue as the other Gibraltar carriers in the Index.
Firm reference numberreference
211787
Brand is an intermediaryreference
Insurance Factory Limited. Company number 02982445. FRN 306164.

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://assets.ctfassets.net/s0jgb0x75qln/2K6Bft0aE14NfHnY1SavCl/12ed83514c04adef3c210c901adee453/Co-op_Pet_Insurance_-_policy_document__PDF__1.9_MB__Aug_2023.pdf

  • Co-op is also ranked in motor, home and travel. No underwriting carrier has been established from a primary document for those lines.

Staysure

Intermediary

Travel

Insurance contract is with24(2)(a)
Panel
  • Great Lakes Insurance UK Limited
  • DAS Legal Expenses Insurance Company Limited

Cover is split within a single policy. Great Lakes Insurance UK Limited underwrites all sections except section 9. DAS Legal Expenses Insurance Company Limited underwrites and administers section 9, legal expenses.

Country of incorporation24(2)(b)
England and Wales (Great Lakes Insurance UK Limited, 13436330)
Principal place of business24(2)(c)
10 Fenchurch Avenue, London EC3M 5BN
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service. The wording notes that sales in the Channel Islands and the Isle of Man fall outside the jurisdiction of the Financial Conduct Authority, the Financial Ombudsman Service and the Financial Services Compensation Scheme
Compensation scheme24(2)(f)
Financial Services Compensation Scheme. The wording states Howserv Limited, Great Lakes Insurance UK Limited and DAS Legal Expenses Insurance Company Limited are covered by the FSCS, with most insurance contracts covered for 90 per cent of the claim with no upper limit
Firm reference numberreference
955859 (Great Lakes Insurance UK Limited); 202106 (DAS Legal Expenses Insurance Company Limited)
Brand is an intermediaryreference
TICORP Limited, administered by Howserv Limited. Company number 111526 (TICORP Limited, Gibraltar); 03882026 (Howserv Limited, England and Wales). FRN 663617 (TICORP Limited); 599282 (Howserv Limited).

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://cms-public.staysure.co.uk/dam/jcr:8a8579a5-4eb0-4c98-b56d-efb9be748c54/Staysure-Travel-Insurance-Signature-PD-JUN24-V20-Web-1.pdf

  • Staysure is not an insurer. Three separate entities arrange, administer and carry the risk.
  • Great Lakes Insurance UK Limited also sits on Admiral's motor co-insurance panel.

Post Office

Intermediary

Travel

Insurance contract is with24(2)(a)
Astrenska Insurance Limited, trading as Collinson Insurance
Country of incorporation24(2)(b)
Not establishedNot stated in the Post Office travel policy wording. Needs confirmation from Companies House.
Principal place of business24(2)(c)
Not different from the country of incorporation.
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Financial Services Compensation Scheme
Firm reference numberreference
202846
Brand is an intermediaryreference
Post Office Limited, an appointed representative of Post Office Management Services Limited. Company number 2154540 (Post Office Limited); 08459718 (Post Office Management Services Limited). FRN 630318 (Post Office Management Services Limited).

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://travelinsurance1.postoffice.co.uk/Content/POMS/files/Documents/V14/PostOfficePolicyWording.pdf

  • Post Office is not an insurer.
  • Post Office is also ranked in home and pet. No underwriting carrier has been established for those lines.

InsureandGo

Intermediary

Travel

Insurance contract is with24(2)(a)
MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros, Sociedad Anonima, trading as MAPFRE Assistance
Country of incorporation24(2)(b)
Spain
Principal place of business24(2)(c)
UK branch, Dixon House, 72-75 Fenchurch Street, London EC3M 4BR
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Not establishedThe only available wording, dated March 2021, states the carrier is deemed authorised by the Prudential Regulation Authority under the Temporary Permissions Regime, which has since closed. The current UK permission basis cannot be stated from the firm's own published documents.
Dispute resolution scheme24(2)(f)
Financial Ombudsman Service
Compensation scheme24(2)(f)
Not establishedThe wording confirms FSCS cover for the intermediary's advising and arranging at 90 per cent with no upper limit, but the carrier-level FSCS position is not established.
Firm reference numberreference
Not establishedNo FCA firm reference number stated in the available wording. UK branch company number FC021974, branch number BR008042.
Brand is an intermediaryreference
Insure & Go Insurance Services Limited. Company number 04056769. FRN not established.

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://www.insureandgo.com/wp-content/uploads/2021/03/InsureandGo-Policy-Wording-SilverGold-0321.pdf

  • The regulator position cannot be given because the only published policy wording relies on the Temporary Permissions Regime, which has since closed.

Allianz Assistance

Intermediary

Travel

Insurance contract is with24(2)(a)
Panel
  • AWP P&C SA
  • Liberty Mutual Insurance Europe SE

Cover is split within a single policy. AWP P&C SA underwrites sections 1 to 11 and 13 to 14. Liberty Mutual Insurance Europe SE underwrites section 12.

Country of incorporation24(2)(b)
France (AWP P&C SA, Registration no. 519490080 RCS)
Principal place of business24(2)(c)
AWP P&C SA registered office 7 Rue Dora Maar, 93400 Saint-Ouen, France. Administered in the UK by AWP Assistance UK Ltd, 102 George Street, Croydon CR9 6HD
Regulated for insurance24(2)(d)
Yes
Regulator24(2)(e)
Not establishedThe only available document, dated December 2021, states AWP P&C SA is authorised by L'Autorité de Contrôle Prudentiel et de Résolution in France and subject to limited FCA and PRA regulation under the Temporary Permissions Regime, which has since closed. The current UK permission basis cannot be stated from the firm's own published documents.
Dispute resolution scheme24(2)(f)
Not establishedNot stated in the available document.
Compensation scheme24(2)(f)
Not establishedNot stated in the available document.
Firm reference numberreference
Not establishedNo FCA firm reference number for AWP P&C SA stated in the available document.
Brand is an intermediaryreference
AWP Assistance UK Ltd. Company number 1710361. FRN not established.

Verified 2026-07-30. The dispute resolution and compensation scheme positions above are quoted from the firm's own current policy wording.

Source: https://www.magroup-online.com/B2C/GB/EN/7363TVL_1221_B2CUK_AMT_IPID.pdf

  • Allianz Assistance is also ranked in home. It is a travel and automotive assistance specialist and no home underwriting carrier has been established.
  • The regulator position cannot be given because the only published document relies on the Temporary Permissions Regime, which has since closed.
Withheld brands

Measured but not published

More Than and Halifax are measured by the pipeline but held back from the published Index, because the company the contract of insurance is made with could not be established from primary sources. Their positions are absent from the tables. If you can point us at the right documents, write to hello@onmarrow.com.

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