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  2. Point in time
    2019-06-28

PERG 6.4 Limitations of this guidance

PERG 6.4.1GRP

Although what appears below is the FCA's approach, it cannot state what the law is, as that is a matter for the courts. Accordingly, this guidance is not a substitute for adequate legal advice on any transaction.

PERG 6.4.2GRP

The list of principles and factors is not closed and this guidance by no means covers all types of insurance-like business.

PERG 6.4.3GRP

The FCA will consider each case on its facts and on its merits.

PERG 6.4.4GRP

In some cases transactions with the same commercial purpose or economic effect may be classified differently, ie some as insurance and some as non-insurance.