Authorised and Regulated by the Financial Conduct Authority (FCA)

Morgan Clark are proud to be authorised and regulated by the Financial Conduct Authority (FCA), which is the UK’s financial services regulator. The FCA’s role is to ensure that financial markets work well for individuals, businesses, and the wider economy.

What Does FCA Regulation Mean for You?

As an FCA-regulated firm, Morgan Clark operates to the highest standards of conduct and follows strict rules designed to protect consumers:

1. Your money is protected
Under FCA regulatory frameworks, we adhere to rigorous standards regarding the management of our clients’ insurance claims. This oversight ensures your financial interests are safeguarded through every phase of the process, providing robust security and peace of mind.

2. You are treated fairly
We operate under the FCA’s “Treating Customers Fairly” principle. With these rules in place, you can trust that you will never be misled, taken advantage of, or subjected to unfair treatment. We are committed to transparent, ethical practices in all our dealings with you.

3. Verified accountability
Only firms authorised and regulated by the FCA can legally manage insurance claims on behalf of the public. This mandate guarantees that our processes meet the highest industry benchmarks for compliance, dependability, and professional ethics.

Why FCA Regulation Matters

The FCA’s strict codes of conduct help build trust in the financial services industry by promoting integrity, accountability, and customer protection. By choosing an FCA-regulated firm like Morgan Clark, you are assured that we meet these rigorous standards.

Our Commitment to Regulatory Excellence

As an FCA-authorised and regulated firm, Morgan Clark maintains a steadfast commitment to surpassing regulatory benchmarks. We engage in continuous internal audits and rigorous practice reviews by external independent bodies to ensure our operations remain fully aligned with the FCA’s evolving requirements. This proactive approach to compliance ensures that our clients can proceed with absolute confidence, knowing their interests are managed under the most stringent legal and ethical frameworks in the industry.

What If I Need to Make a Complaint?

At Morgan Clark, we take pride in maintaining a transparent and robust complaints procedure. As a client of an FCA-authorised and regulated company, you have the backing of the Financial Ombudsman Service should you ever need to escalate a complaint.

We are committed to resolving any concerns you may have efficiently and fairly. If, however, you feel that your complaint has not been addressed satisfactorily, you can contact the Financial Ombudsman Service for further support free of charge.

For more information about our complaints procedure, please visit our complaints page.

Operational Excellence Beyond Regulatory Compliance

Our commitment to client welfare extends beyond statutory requirements. In alignment with the FCA’s Consumer Duty, Morgan Clark’s team has undertaken specialist, expert-led training to identify and support vulnerable individuals, offering our clients a service that remains empathetic, adaptable, and meticulously fair. Complementing this ethical approach, our Cyber Essentials Certification validates our commitment to protecting your sensitive data and defending your information against evolving cyber threats.

To learn more about how we support vulnerable clients, visit our Supporting Vulnerable Clients page


Need More Information?

For further details about the Financial Conduct Authority and its role in regulating the financial services industry, please visit their official website: www.fca.org.uk.

If you have any other questions about our FCA authorisation or how it impacts your claim, please feel free to contact us.

Popular Questions

What does it mean that Morgan Clark is FCA-regulated? faq plus icon to expand accordian

Morgan Clark’s FCA regulation and authorisation means we follow a rigorous code of conduct designed to protect you. From clear communication to fair treatment, these “gold standards” give you peace of mind that your insurance claim is in safe, professional hands.

How does FCA regulation protect me? faq plus icon to expand accordian

The FCA ensures that firms like Morgan Clark operate under strict standards of professionalism, transparency, and fairness, giving you peace of mind when you instruct Morgan Clark to manage your claim.

How much does Morgan Clark charge? faq plus icon to expand accordian

In the majority of cases we are able to represent our clients without charging a fee at all. Read how we are able to offer our services free of charge by clicking here.

What’s the difference between a Loss Assessor and a Loss Adjuster? faq plus icon to expand accordian

Loss Assessors and Loss Adjusters are both insurance claim professionals, but there is one key difference in their role during the insurance claim process; a Loss Assessor is appointed by and works exclusively for the policyholder, while a Loss Adjuster is appointed and paid by the insurance company. Loss Adjusters are expected to remain independent. Read more about the difference between Loss Assessors and Loss Adjusters here.

Doesn’t my insurance company manage my claim? faq plus icon to expand accordian

While many insurance companies will support you in the initial weeks of your claim, their only responsibility is to ensure costs are covered to restore your property and replace damaged contents, stock, machinery etc. (if applicable). As your claim progresses, you will be left with the most stressful and time consuming day-to-day elements to organise and oversee alone if you do not appoint a Loss Assessor.

We will help you get back into your property as quickly as possible, working to secure the best settlement under the terms of your policy

What our customers are saying about us

  • Dependable support

    “We were very pleased with the service we received from Morgan Clark & believe we wouldn’t have been able to achieve the same cash settlement without our Assessor’s expertis…”

    Trevor & Pauline Higgs

  • Dependable support
    Fire Claim – Macclesfield

    “Overall the service from all those we dealt with in restoring this fire ridden property were highly professional and, at times, imaginative in how they sought to bring this propert…”

    Pat and Frank Wharton

  • Genuine care

    “Morgan Clark Remove The Stress What can you say about Pino Musso? Morgan Clark & Pino. I probably shouldn’t pick out one individual but, if ever you are unfortunate enoug…”

    Feefo User

  • Genuine care

    “We cannot recommend Morgan Clark highly enough, the service they provide in often devastating circumstances is absolutely first class. When we encountered resistance from our insur…”

    Paul Burns

  • End-to-end management

    “I had a fire at my home around Christmas time causing extensive damage, you can image how stressful this is, what do I do, who do I contact, what’s going to happen now, will my i…”

    Neil Kelly

  • Genuine care

    “I cannot fault the service I received, everyone I dealt with were very helpful . I was treated with the utmost respect at all times as the incident was very traumatic due to the fa…”

    Impact Claim, Cambridgeshire

  • Dependable support
    Fire Claim – Leeds

    “I was constantly kept informed by email, text and phone ,whenever there was a new development concerning the insurance company, the claim or progress of the building work. I especi…”

    Peter Craggs

  • End-to-end management

    “They held our hand through the whole process, dealing with the insurers and appointing surveyors and builder, they were always available to answer any questions we had and deal wit…”

    Mr & Mrs Mclean – L.U.V property Ltd

  • Dependable support
    Fire Claim – Bury

    “David is very modest and very clear and easy to contact anytime. I personally learned a lot from the way he was handling my claim. This is the first time I use Morgan Clark and I f…”

    B Juma

  • Dependable support
    Fire Claim – Warwickshire

    “TBH the service and the advise that was given to us was excellent Paul Taylor fought a long and hard battle for us against our insurers Aviva to ensure us the best payout from them…”

    Sanjay Nagar

  • End-to-end management
    Lightning Claim – Bury

    “Our high level of satisfaction with Morgan Clarke comprised of many fundamental components including communication, teamwork and collaboration skills, problem-solving, accuracy and…”

    Dr Baqar & Mrs Andrea Ali

  • End-to-end management

    “We had the misfortune of having a serious fire in our house last year, your first reaction is to think how am I going to deal with this, am I adequately insured, It will take forev…”

    Neil Kelly

  • Weight lifted

    “We are both pensioners in our 70’s. Eight years ago we let our family home to supplement our pensions. Unfortunately, there was a fire incident in the kitchen. The occupiers were…”

    Mr Choudhary

  • Dependable support

    “Expert advice which ensured our claim was settled legitimately and comprehensively”

    Mr and Mrs Goodbody

  • Dependable support

    “Guided me and helped me through my claim I’ve never had to make an insurance claim anything like this before. Mark and Natalie at Morgan Clark guided me through the process, expl…”

    Ron Jarman

  • Dependable support
    Flood Claim – Staunton on Wye

    “I cannot speak highly enough of Morgan Clark and all of its associated teams. When we initially contacted you, we did not really have any realistic idea of what lay ahead in terms …”

    J. Fisher

  • Dependable support
    Fire Claim – Stoke-on-Trent

    “The visit by Morgan Clark the day after the fire was so important and very welcome. It really settled my nerves and fears at a very worrying time. Thereafter, the work and payments…”

    Steven Brereton

  • End-to-end management

    “I highy recommend Morgan Clark. They supported me and acted as my advocate for a process which took nearly two years from start to finish. They led the way through a complicated an…”

    Deborah Reed

  • Dependable support

    “From day one Morgan Clark was an incredible help after we lost everything in a house fire. We wouldn’t have known where to start dealing with the insurers or rebuilding the p…”

    Ellie Hartland & Glenn Gooden

  • End-to-end management

    “Morgan Clark were absolutely brilliant from start to finish with our insurance claim. With going through a difficult personal matter, and to then have a house fire on top that requ…”

    Sally Harris

  • Weight lifted

    “After experiencing a house fire that… After experiencing a house fire that turned my world upside down. Thank goodness for Morgan Clark. They took all the stress and emotional wo…”

    Jane Ennis

  • Dependable support

    “Considering the circumstances we found ourselves in, we couldn’t have been helped by more knowledge and friendly people. Special thanks to martin & Sarah. Nothing was too…”

  • Dependable support
    Flood Claim – Nottingham

    “Martin was very professional, friendly and reassuring. Easily contactable. Answered all our questions fully. We recommend this team. They were all excellent and we are very satisfi…”

    Mr & Mrs Conway

  • Dependable support
    Fire Claim – Dorset

    “It was absolutely amazing and second to none. 1st class work and communications. Settlement exceeded my expectations”

    Paul Oakden

  • Dependable support

    “Professional service from experts in their field, highly recommended.”

    Iain Mack

  • Dependable support
    Fire Claim – Henley

    “Everything has been very efficient. Settlement exceeded my expectations”

    Anna James

  • Genuine care
    Escape Of Water Claim – Goosnargh

    “We received £35000 from water damaged in our kitchen, Pino claimed for things we wouldn’t even think of but he claims for everything which had been damaged down to a cup or towel…”

    Katy Hollinghurst

  • Dependable support

    “After our home was flooded over a year ago, our insurer and their loss adjuster seemed motivated by their own best interests, not ours. When Morgan Clark’s Taunton team agree…”

    Kevin

  • Dependable support
    Fire Claim – Swanley

    “Without Gilbert we would not have been able to get through this traumatic experience. His advice and help has been immeasurable. We cannot thank him enough.”

    Peter Hammond

  • Dependable support
    Fire Claim – Hinckley

    “Very good. Settlement exceeded my expectations”

    John Kelsall

  • Dependable support
    Fire Claim – Barwick

    “I was kept very well informed. Settlement exceeded my expectations”

    Wayne Agat

  • Genuine care

    “We couldn’t be more pleased with every aspect of this process – from initial contact through to meeting Pino, meeting the Surveyor, choosing a Contractor and working throug…”

    Fire Claim, Preston

  • Weight lifted

    “I am a non-resident landlord and my worst fears came true when my property was subject to fire damage. As this happened during the Corona pandemic, it was not possible to travel to…”

    Dr. NT

  • Weight lifted

    “We were reassured that Morgan Clark represented us throughout our complicated insurance claim. Procedurally, there were several occasions when we felt out of our depth and we were …”

    David Metherell

  • End-to-end management

    “Excellent support at a very difficult (post fire on Christmas Day) time….. The team of loss assessors were all great to work with and the whole process was quite drawn out but th…”

    Previous Client

  • End-to-end management
    Fire Claim – Leeds

    “This process is very nerve wracking at the beginning . Morgan Clark once involved removed all the hassle . All parties involved have been superb from start to finish.”

    Richard Robinson

  • Dependable support
    Flood Claim – East cowick

    “…we would have been lost without the advice martin chapman / morgan/clarke provided. we did not know what to expect in the way of settlement , and we were delighted with the …”

    Mick Bielby

  • Dependable support

    “Very professional frist time I’ve clamed and did all the work for us”

    Mr & Mrs Howard

  • Dependable support

    “We got in touch with Morgan Clark to assist us with our Business Interruption Claim as we were not getting anywhere with our insurance company. David Kelly who worked on our behalf…”

    Anne Storrar

  • Dependable support

    “Impact damage
    Very good overall service, professional, easy to contact, knowledgeable and helpful”

    Tom Rishton

Professional Memberships & Accreditations

Being part of professional bodies means you can rest assured that Morgan Clark deeply values producing work to the highest standard. Click or tap any of the logos to learn more about that accreditation.