Use the FCA’s Financial Services Register on GOV.UK to search the insurer or broker’s legal and trading names, and check that its permissions cover the insurance activities it is offering. Make sure the contact details on the register match those in the quote, as fraudsters can impersonate authorised firms. FCA authorisation does not mean a quote is the cheapest or that the policy suits your needs, so compare the cover, exclusions and excess carefully. If you are unsure, contact the FCA or an FCA-authorised provider directly before paying or sharing sensitive information.