Use the FCA’s Financial Services Register on the official gov.uk or FCA website to check the insurer or broker’s name, firm reference number and contact details. Confirm that its permissions include insurance distribution and that you are dealing with the listed firm, as scammers sometimes copy authorised businesses’ details. A low price may reflect narrower cover, higher excesses or exclusions, so compare buildings, contents, property-owner liability and loss-of-rent protection as relevant. If anything seems unclear, contact the FCA or choose an FCA-authorised provider directly.