Glossary
A
ACPR
ACPR is the French authority that supervises banks and insurers, and its register lists the company number of a French insurer.
ACPR
The French prudential supervisor for banks and insurers, whose register confirms a provider is authorised.
ACPR (Autorite de Controle Prudentiel et de Resolution)
The French banking and insurance supervisor, whose register holds the reference of each authorised firm.
Age range
The ages a provider will accept, which narrows who can buy a particular policy.
Arizona Department of Insurance
Arizona's insurance department licenses the firms selling to residents of the state and issues the company number that shows a provider's status.
ASFI (Autoridad de Supervision del Sistema Financiero de Bolivia)
ASFI supervises Bolivia's financial system, watching banks, insurers, pension managers and co-operatives so customer money is held under rules.
Audience
The kind of customer a product is built for, from expats new to a country to older travellers.
Australian Financial Services Licence (AFSL)
The Australian permission to provide a named financial service in Australia, with InsureandGo Australia and World Nomads each holding one: AFSL 552106 and 308461.
Australian Securities and Investments Commission
The Australian regulator for companies, markets and financial services providers keeps a public register, so the number a provider quotes is a quick check …
Australian Securities and Investments Commission (AFSL)
The Australian corporate and financial services regulator, whose licence number shows a provider is authorised to operate there.
Australian Securities and Investments Commission (ASIC)
The Australian regulator that authorises financial services providers and keeps an Australian register of licence holders.
Autoridade de Supervisao de Seguros e Fundos de Pensoes (ASF)
The Portuguese body that supervises insurers and pension funds, and publishes the register of authorised companies.
Autoriteit Financiele Markten (AFM)
The AFM is the Dutch financial regulator, and its register identifies each permitted insurance intermediary by licence number.
B
Banca d'Italia
The Italian central bank that supervises banks and records the banking code that identifies each institution.
Banco de Espana
Banco de Espana is Spain's central bank, and each lender it authorises appears in its register under a licence number.
Banco de Portugal
Banco de Portugal supervises the Portuguese financial sector, and its register identifies each authorised bank by a licence number.
Bank of Tanzania
The central bank of Tanzania, which supervises banks and holds the banking licence records for institutions in the country.
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
The German financial regulator that authorises and supervises insurers, so a licence record shows a firm is allowed to trade there.
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
The German supervisor that authorises banks and insurers and keeps a public register of them.
C
California Department of Insurance
The state body that licenses insurers selling cover to California residents.
Central Bank of Ireland
Ireland's central bank, which authorises banks and insurers operating in the country and publishes their references.
Central Bank of the UAE
The Central Bank of the UAE licenses insurers operating in the Emirates, and each licensed firm is listed with its own number.
Claims channels
The ways to report a claim, and how much of the process you have to run yourself.
Colorado Division of Insurance
The US state regulator that licenses insurers selling policies to people in Colorado.
Cover limit
The most a policy will pay out on a claim, set per policy type rather than as one figure for everything.
Cover types
The kinds of business cover on offer, such as public liability, professional indemnity and property.
Czech National Bank (Ceska narodni banka)
The Czech central bank that supervises banks and lenders and records the licences held by each institution.
D
E
F
G
H
I
Illinois Department of Insurance
The Illinois state regulator that licenses insurers and lists their numbers, letting you confirm a pet or home provider is authorised.
Indemnity limit
The most an insurer will pay on a claim, and the cap that decides whether a bill is fully covered.
Industries
The sectors and kinds of business a provider writes for, from agriculture to sole traders.
IRDAI
IRDAI is the Indian insurance regulator, and it registers every insurer and insurance intermediary operating in the country.
IVASS
IVASS supervises insurance business in Italy, and the registration number a company holds with it confirms the firm is licensed before you pay.
L
M
N
NAIC
NAIC is the body US state insurance regulators coordinate through, and the company number a provider shows links to its licensing details.
National Bank of Ukraine
The National Bank of Ukraine keeps the register of licensed financial firms, so a provider's number with it shows whether it may legally sell …
O
ORIAS
The French register of insurance intermediaries, showing which are authorised to sell cover and the reference each one holds.
ORIAS (Organisme pour le Registre des Intermediaires en Assurances)
ORIAS is the French register for insurance intermediaries, so the number a broker quotes belongs to the seller rather than to the insurer behind …