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Status: Please note you should read all Brexit changes to the FCA Handbook and BTS alongside the main FCA transitional directions. Where these directions apply the 'standstill', firms have the choice between complying with the pre-IP completion day rules, or the post-IP completion day rules. To see a full list of Handbook modules affected, please see Annex B to the main FCA transitional directions.

You are viewing the version of the document as on 2019-12-09.

Status: In this content, we have included all amendments made by EU exit-related instruments up to end September 2020. There will be more amendments to be made later this year, further to the September QCP.

PERG 6.2 Purpose of guidance


The purpose of this guidance is to set out:

  1. (1)

    at PERG 6.5 the general principles; and

  2. (2)

    at PERG 6.6 the range of specific factors;

that the FCA regards as relevant in deciding whether any arrangement is a contract of insurance.


This guidance includes (at PERG 6.7) a number of examples, showing how the factors have been applied to reach conclusions with respect to specific categories of business. Further examples may be published from time-to-time.