FCA Handbook — ICOBS (Insurance: Conduct of Business)
Conduct rules for general insurance and protection distribution.
- Issued by
- Financial Conduct Authority
- Applies in
- United Kingdom
- Edition
- Current, as published
- Area
- Insurance
What an assessor reads first.
The headline requirements in Amoreg’s catalogue, in the issuer’s own numbering where it has one. They are where a review starts, not a transcription of the text.
- ICOBS 2General matters: fair treatment and communicationsConduct
- ICOBS 5Identifying client needs and advisingAdvice
- ICOBS 6Product informationDisclosure
- ICOBS 8Claims handlingClaims
- PROD 4Product governance for insuranceProducts
How Amoreg keeps you on it.
Enable the FCA Handbook — ICOBS (Insurance: Conduct of Business) and add Financial Conduct Authority’s pages as a monitor of your own. Every publication it records keeps its source, stage and date.
Inspector reads your policies against these 5 requirements every week and opens a finding wherever one falls short, citing the rule and drafting the fix. A person decides what is applied.
Each week
- Read Financial Conduct Authority’s pages
- Check the library against 5 requirements
- Open findings with drafted fixes
- Wait for a person to decide
Policy does not yet set out: general matters: fair treatment and communications
- Rule
- FCA Handbook — ICOBS (Insurance: Conduct of Business), ICOBS 2
- Area
- Conduct
- Proposed by
- Inspector
- Decided by
- A named person, once reviewed
The same ground, elsewhere.
- Insurance Distribution DirectiveConduct, product oversight and governance, and disclosure for insurance distributors.European Union · 4 controls
- Guernsey Insurance Business Rules and GuidanceConduct, solvency, governance and reporting rules for licensed insurers and insurance managers.Guernsey · 4 controls
- IAIS Insurance Core PrinciplesThe global standard for insurance supervision and the ComFrame for internationally active groups.Global · 5 controls
Also in United Kingdom
- UK Money Laundering Regulations 2017The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.United Kingdom · 8 controls
- JMLSG GuidanceHM Treasury-approved guidance the courts must consider — the practical standard for UK financial sector AML.United Kingdom · 6 controls
- Proceeds of Crime Act 2002 (Part 7)The money laundering offences, the regulated-sector duty to report, and the DAML consent regime.United Kingdom · 4 controls
- UK Sanctions Regime (SAMLA 2018 / OFSI)The Sanctions and Anti-Money Laundering Act 2018 regulations and OFSI reporting, licensing and enforcement expectations.United Kingdom · 5 controls
- Legal Sector Affinity Group AML GuidanceHM Treasury-approved guidance for law firms and independent legal professionals under the MLR 2017.United Kingdom · 5 controls
- CCAB AML Guidance for the Accountancy SectorAMLGAS — the approved guidance for accountants, auditors, tax advisers and insolvency practitioners.United Kingdom · 5 controls
Questions
Does Amoreg watch for changes to the FCA Handbook — ICOBS (Insurance: Conduct of Business)?
Enable it and add the issuer’s pages as a monitor of your own. Every publication the Monitor records keeps its source, stage and date.
Can Amoreg check our policies against the FCA Handbook — ICOBS (Insurance: Conduct of Business)?
Yes. Inspector reads your library against its requirements every week and opens a finding, with the rule it cites and a proposed fix, wherever a policy falls short. A person decides what is applied.
Which edition does Amoreg use?
The current edition as published by the issuer, last verified in August 2026; the Monitor records new publications as they appear.