Q: What Security and service is offered?
A: The insurance companies providing all three products can be dealt with in the knowledge that they are authorised and regulated by industry watchdog the Financial Services Authority (FSA).
In the unlikely event of any of them being unable to meet your liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS).
In addition, if any of the providers are unable to satisfactorily resolve any complaints that you make to them, you may be able to refer the matters to the Financial Ombudsman Service (FOS). This is an independent body which rules on disputes between consumers and financial organisations. There is no charge made to consumers for using it and it does not affect their ability to take subsequent legal action.