Fair, clear, not misleading
Financial promotions and insurance communications must present benefits, limits and risks in a balanced way.
Regulation behind the screen
Digital convenience. FCA standards.
Finance Magic™ is a trading style of Ever North Limited, authorised and regulated by the Financial Conduct Authority, firm reference number 800196.
Start onlineWhat that standing should mean in your journey
Good customer outcomes
The Consumer Duty focuses on products and services, price and value, consumer understanding and consumer support.
Suitable route
Where regulated advice is provided, the recommendation must be based on relevant needs and circumstances—not the loudest headline.
Complaints route
You can complain to the firm and may be able to refer an eligible unresolved complaint to the Financial Ombudsman Service.
FCA
What authorisation is—and is not
FCA authorisation is a regulatory status. It is not a government endorsement, a guarantee that a product will be suitable, or a promise that an insurer will pay every claim. Policy wording, underwriting, exclusions, pre-authorisation and eligibility still decide cover.
Check the FCA Register →FSCS
Protection if a firm fails
FSCS may protect eligible policyholders if an authorised insurer or other protected firm fails. Most general insurance is protected at 90% of an eligible claim with no upper limit, but eligibility and product rules apply. FSCS does not decide ordinary policy claims or guarantee performance.
Check current FSCS protection →DUTY4
OUTCOMESProducts · value · understanding · support
OUTCOMESProducts · value · understanding · support
Fast does not mean frictionless at any cost.
A good digital financial journey gives you space to read key documents, understand exclusions and pause before committing. Human support remains available where requested or where the circumstances require it—even though no sales call is required.
See the online journey