What is Financial Conduct Authority (FCA)?

The Financial Conduct Authority is the body that authorises and watches UK insurers, brokers and lenders, and its public register is where you can confirm that permission yourself. Each firm is listed with a permission number, so you can match the name on your quotation against the official record before you accept. Autohome is listed as 311683 and Gigasure as 1005421. Look at the permissions shown, not only the number, since a firm may be allowed to arrange cover but not to underwrite it. That distinction tells you which company carries the risk when a claim is made.