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

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.

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.

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.

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.

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.

Client Feedback

Briony’s story:

The reassurance having an FCA-regulated team on our side

Trudie's story:

What was it like when you met your Loss Assessor?

Roger's story:

How did you feel before you first reached out to Morgan Clark?

Colin & Trish's story:

How did your recovery compare with your neighbours’?

Briony’s story:

Getting through the aftermath of a house fire

Dan Norris, Loss Assessor

10+ years' experience

Speak to an expert, like Dan, who will fight for everything you're entitled to

Free FCA Regulated Support

Your claim resolved as quickly as possible

Experts negotiating on your behalf can expedite the process significantly.

Equal representation at every stage

Never feel outnumbered – your dedicated Loss Assessor works exclusively for you.

Secure your full settlement

We focus negotiations on achieving the best possible settlement for you.

What our customers are saying about us

Genuine care

“I just wanted to give a shoutout to Pino from Morgan Clark for his amazing help with my water escape insurance claim. The whole process was pretty tough, but Pino was always there,…”

Vivek Singh

End-to-end management
Fire Claim – Stockton on Tees

“The standard of service was very high. Keeping me informed along the way even when there was no major changes helped me feel that the whole claim was moving forward. Pino Musso was…”

Vishal Pancholi

Dependable support

“Extremely responsive and tactful with queries. Efficient management of a complex repair project involving multiple parties”

Coastal Estate Management Ltd

Exceeded expectations

“This is the second time over the last several years we have used this service. On both occasions the support, guidance and outcome was exceptional. I would highly recommend that an…”

David

Dependable support

“Excellent service and more money received than expected”

Jo Brayley

Weight lifted

“I think on reflection the most important service you gave was to take the load from my shoulders.Dan and Denise smoothed out problems that I was unaware I had at the time.The traum…”

James Pinhorn

End-to-end management

“Absolutely excellent from start August 2023 . We would still be in the dark and struggling, they are still fighting for us! Flood”

Lynda & Ian Murray

Genuine care

“Well done Morgan Clark and Matt Ralingson Matt Rawlinson was more than helpful in the middle of the claim I was diagnosed with Prostate Cancer and had to go through a regime of Rad…”

Mr McCaffrey

Dependable support
Fire Claim – Crowdys great coxwell

“Very good-personable and professional. Both excellent”

Peter Rowe

Weight lifted
Fire Claim – Potters Bar

“Absolutely delighted in every respect… The weight of responsibility was lifted from my shoulders and everything was undertaken in a totally professional manner. I cannot imag…”

Graham Pooley

Dependable support

“I could not have dealt with the claim myself, I am so glad I made the choice to apoint you, I would recommend you to anybody! To be honest I just think you are damn good, nothing I…”

Ms Johnstone

End-to-end management

“2 years ago I had a house fire just before Christmas of which I got out in just my night wear. I lost everything I owned. And didn’t know were to start. A representative from…”

Mrs J Fillingham

Genuine care

“You navigated me through a horrible experience with patience and understanding If I hadn’t had your service I think I would still have a damp property as I certainly had no …”

Annette Goldsmith

End-to-end management

“Excellent service. Professional team who were informative throughout my whole claim process.”

Simply Clinics

Dependable support

“The best decision ever! We weren’t making any progress with insurer until we called Morgan Clark. Martin was so professional and at the end, we managed to get a bigger settlement…”

A Pg

End-to-end management

“Professional and caring team, kept me fully informed throughout the process and delivered what they said”

Mrs Green / Pauline Perry

Dependable support

“Great communication. Very prompt. Easy to contact the right person when required.”

Crighton Mather

Dependable support
Fire Claim – Bolton

“I have been grateful of the help given to me and guidance during this period of time of trauma when the house caught on fire. There was always someone to talk to about the any Deve…”

Fensley Chambers

Dependable support
Fire Claim – West Bromwich

“Very pleased with Paul’s help, knowledge and professionalism in dealing with our claim. I would have been lost without his help, Paul explained and guided me through all the…”

Ishvar Patel

Dependable support

“A very supportive and professional company, that is very effective and skilled at dealing and negotiating with Insurance Companies to get the best outcome from the policy on behalf…”

Henry Raison

Dependable support
Fire Claim – Waltham on the Wolds / Leicestershire

“We are very pleased we used Morgan Clark, at no point were they pushy, unlike some of there competitors !”

Christopher Boulter

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

Genuine care
Fire Claim – Nefyn

“The ordinary person on the street does not know about the role of a loss assessor. Once he had explained, and we digested the situation over night, we welcomed his assistance. We…”

Pam Heath

End-to-end management

“I had a large fire at a rental property and a rep from Morgan Clark contacted me out of the blue to explain the services they could provide, at first it sounded too good to be true…”

Stephen Saunders

End-to-end management
Fire Claim – Liverpool

“From the very first meet until my settlement i was informed every step of the way and every conversation was confirmed by email. Settlement exceeded my expectations.”

Anthony Fairclough

Dependable support

“I had never had to make a large insurance claim, so when a tree fell on my home and made it uninhabitable, I did not know where to begin. Morgan Clark came to my rescue and I could…”

Jane Lindsay

Dependable support

“From the very onset of their involvement , Sunny and then Ryan Field took on our case and their handling of our case was exceptional , Ryan liaised with the relevant parties even t…”

Paul Aston

End-to-end management

“I was absolutely devastated to see my house destroyed due to a burst water pipe and was struggling to get a meaningful response from insurance company. That’s when my friend …”

Manjusha Rathi

Dependable support
Fire Claim – Beverley

“There is nothing to improve, 5 stars in all areas. Settlement exceeded my expectations.”

Bryoni Butler

Dependable support

“Having Morgan Clarke represent us changed our lives during a very difficult time. Our loss assessor Martin Chapman and the team behind him worked tirelessly to make sure our claim …”

Shirley Hartnell

Dependable support
Fire Claim – Mirfield

“Our fire came at the worst time it could have done – if there is such a thing. We had never been in a situation like this before and weren’t confident at dealing with t…”

S. Sandom

Dependable support

“Morgan Clark have helped us every step of the way with our claim. We had never dealt with a house insurance claim before and having their expertise and advice was crucial to unders…”

Emma Wadsworth

Dependable support

“We are very pleased with Morgan Clark and how they were professional throughout the process. We have learned a great deal from Martin and we were very impressed with his knowlege a…”

Mr Denham

Weight lifted
Escape Of Water Claim – Recentre-Health Ltd, London

“Morgan Clark is a highly experienced, professional company which delivers a valuable service at a fair price. I have been continually impressed by all those in the company with who…”

Tom Roberts

Dependable support

“Morgan Clark helped me immensely after a fire at my house, i was introduced to Martin Chapman at the start and he help me through a very difficult time in my life till everything w…”

Eddie Masterson

Dependable support
Fire Claim – Lancashire

“No areas of concern. It was done perfectly, to the point were we never even thought about the event because we knew it was left in the very capable hand of Morgan Clark who looked …”

Ian Bamforth

End-to-end management

“The service we received from Morgan Clark was absolutely outstanding from start to handover of the property. From Pino’s appointment as our representative with the insurance clai…”

Frank Wharton

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

Weight lifted
Escape Of Water Claim – Nottingham

“Mr Paul Taylor was extremely professional. He looked after my interest and ensured that I got a fair deal. He took the stress out of navigating an unfamiliar system on my own. With…”

Dr M. Rathi

Dependable support

Silchester Sports Pavilion

Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)

Find out what this protection means for you.

Authorised and regulated by the Financial Conduct Authority
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Authorised and regulated by the Financial Conduct Authority

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.