How do I know this message about my policy is genuine?

All protection

The short answer

If a message is unexpected, check it before acting. Do not click links or share passwords or bank details. Contact the firm using a number or website from your policy documents or its official site, not details in the message. Genuine firms will not pressure you to act immediately.

Warning signs

Urgency, threats your cover will end, requests for full card or bank details, or a sender name that does not match your insurer or adviser.

Check the firm

You can check regulated firms on the FCA Register.

Report scams

Forward suspicious texts to 7726 and report scams to Action Fraud or Report Fraud.

Sources

ofcom.org.uk

Financial Conduct Authority

This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.

Last updated 27 October 2026