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FCA Regulatory Information

APGCover, 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 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 APGCover web site 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 543 6006 during office hours.

Future 45 Limited

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

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 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.