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Insurance distribution.

Brokers, intermediaries and other general insurance distributors, working under ICOBS and PROD.

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In 2026/27, 10,689 firms pay fees in the general insurance distribution block 4.

What is different here

What applies in 2026 and 2027

  • Consumer Duty year three priorities include monitoring outcomes delivered by third parties, which reaches distribution chains 18.
  • CP26/23 proposes clarifying reliance between firms in distribution chains; rules are expected in Q1 2027 19.

Services that fit

Consumer DutyWe set up outcomes monitoring that answers the four outcome tests from your own data, and produce the report your governing body has to approve every year.ComplaintsWe run or rebuild your complaints process, meet the DISP clocks, calculate redress, and turn complaints into the root-cause evidence DISP asks for.Retained complianceSenior practitioners on retainer for any FCA-regulated firm, with gap analysis, policy reviews and FCA correspondence handled for you.TrainingConduct rules, Consumer Duty, complaints identification, vulnerability and financial promotions, delivered online or on site, with records for competence and SM&CR.

Software that fits

GuardianThe ultimate compliance monitoring platform, in productionFair Value EngineInitial and ongoing value assessments, with the pack distributors need.Consumer Duty Outcomes EngineAnswers the four outcome tests from live data and drafts the board report.

Latest updates for insurance distribution

All regulatory updates

Sources

  1. 4 FCA PS26/14, fee-block populations 2026/27
  2. 18 FCA blog: year 2 Consumer Duty board reports
  3. 19 FCA CP26/23 Consumer Duty: scope and proportionality

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