FCA Restricts Anthony Jones UK Insurance Activities

The Financial Conduct Authority (FCA) issued a consumer notice on 17 July 2026 stating that insurance broker Anthony Jones (UK) Limited (hereinafter AJL) had agreed to cease all regulated activities with effect from 9 July 2026. The restriction will remain in force while the FCA and the company continue to address the relevant matters.

The notice makes clear that AJL may no longer provide any services on behalf of insurers. The FCA also advised consumers who arranged insurance through the company to contact the relevant underwriter or insurer directly to verify the status of their policies and whether their cover remains valid.

(Source: FCA, consumer notice — Customers of Anthony Jones (UK) Limited should check their insurance policies, first published 17 July 2026, last updated 17 July 2026.)

Specific Scope of the Restricted Activities

According to the notice, AJL may not engage in the following activities from the effective date of the restriction:

• Selling new insurance policies;

• Providing renewal services for existing policies;

• Providing any form of advice to new or existing customers;

• Providing services on behalf of insurers in any capacity.

Comparison of Key Dates and Restrictions

Distinction Between the Responsibilities of an Intermediary and an Underwriter

The FCA specifically explained in its notice that Anthony Jones (UK) Limited is an insurance intermediary and is not itself an insurer or underwriter. This distinction determines the appropriate course of action for consumers: responsibility for underwriting the policy rests with the insurer or underwriter named in the policy documents, rather than with the intermediary.

As an intermediary ceasing regulated activities does not necessarily mean that the underwriter has stopped meeting its obligations, consumers should confirm the status of their cover with the underwriter. They should not assume that their policy has become invalid solely because the intermediary has stopped operating.

Two Matters Consumers Should Verify

The FCA advises affected consumers to contact the insurer or underwriter named in their policy documents directly and verify the following:

1. Whether their insurance policy is currently valid;

2. Whether the insurer has received all payments made by the consumer.

The underwriter’s contact details can be found in the consumer’s policy documents, including the policy schedule and the policy terms and conditions. The second verification is important because intermediaries commonly collect and transfer premiums within the insurance distribution chain. Following AJL’s cessation of regulated activities, the underwriter must confirm whether payments already made have been transferred successfully.

Complaint Process and Applicable Deadlines

For consumers dissatisfied with services provided by AJL, the FCA has set out a clear sequence for handling complaints.

Complaint Steps

1. First, submit the complaint directly to AJL. The company’s details are available through the FCA Firm Checker;

2. If the company does not respond within eight weeks, or if the consumer remains dissatisfied with the outcome, the complaint may be referred to the Financial Ombudsman Service;

3. The FCA website provides a separate guidance page explaining how to make a complaint.

It is important to note that this sequence cannot be bypassed. The Financial Ombudsman Service will consider a complaint only after the consumer has first complained to the firm concerned. The eight-week period is the statutory window for the company to provide its response.

Frequently Asked Questions for Anthony Jones (UK) Limited Customers