Before buying, search the firm’s legal name or reference number on the FCA’s Financial Services Register at register.fca.org.uk, and check that its permissions cover the insurance activities it is offering. Some firms operate as appointed representatives, so the register should show their principal firm and relationship. Compare the quote details, policy wording, exclusions and claims arrangements rather than relying on FCA status alone, as authorisation does not mean a policy is suitable for every business. If anything is unclear, contact the FCA-authorised broker or insurer directly and consider seeking advice from a suitably regulated professional.