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Select committee: Financial Services Regulation Committee

Conclusion 22

2nd report - Home and travel insurance regulation: more for the FCA to do Published 23 Oct 2026 Paragraph 109

Financial Services Regulation Committee Regulation of the consumer insurance market All items in this report Report on parliament.uk ↗ Inquiry on parliament.uk ↗

Conclusion (the committee's words)
Persistent consumer issues in the home and travel insurance markets may indicate that firms require clearer guidance from the FCA on the standards it expects them to meet under the Consumer Duty. Although the FCA has published examples of good and poor practice, it is not clear whether these communications are driving change across the industry or how the FCA assesses their impact.

From: Financial Services Regulation Committee, 2nd report - Home and travel insurance regulation: more for the FCA to do, paragraph 109, 23 October 2026

Government response

Government response awaited: deadline 23 December 2026.