Quick answer: GeraSure is an insurance comparison service for UK consumers. GeraSure is not currently FCA-authorised — we are working towards FCA authorisation (or appointment as an appointed representative of an authorised principal), and regulated comparison activity is restricted until that is in place. Our model is commission from insurers on successful policies (the same model as every UK comparison site), displayed transparently on every quote, and we will route only to FCA-regulated insurers, so buyers retain Financial Services Compensation Scheme (FSCS) protection and Financial Ombudsman Service (FOS) access.

The UK regulatory stack

FCA authorisation — insurance comparison is a regulated activity under the Financial Services and Markets Act 2000. GeraSure is not yet FCA-authorised; we are working towards authorisation or appointment as an appointed representative of an authorised principal, and regulated comparison activity is restricted until that is in place.
Consumer Duty (FCA PS22/9) — authorised firms must deliver good outcomes on products, price & value, consumer understanding and consumer support, including a board-attested Consumer Duty outcomes summary each year.
ICOBS (Insurance Conduct of Business sourcebook) — pricing, product oversight and governance, and IPID (Insurance Product Information Document) delivery.
Financial Ombudsman Service (FOS) — free, independent dispute resolution for consumers and small businesses. We signpost FOS on every claim escalation.
FSCS — FSCS protection for insurers covers up to 90% of a claim for most general insurance (unlimited for compulsory insurance such as motor third-party). We only compare FSCS-protected carriers.
General Insurance Pricing Practices (GIPP) — the FCA rules banning price-walking (charging loyal renewing customers more than new). GeraSure pricing is new/renew parity by design.
UK GDPR / ICO — quote data retained only as long as needed for the comparison plus regulatory record-keeping.

UK pricing and how we are paid

Cost to the consumer: £0 to compare, £0 to switch
Commission from insurers on completed policies: typically 8–15% of first-year premium (displayed on every quote as the FCA requires)
No hidden spread — the premium shown is the premium paid

Product coverage in the UK

Motor (private car, van, motorcycle, learner)
Home (building, contents, combined)
Travel (single trip, annual multi-trip, worldwide)
Life & critical illness
Pet (dog, cat)
Landlord (buildings, contents, rent guarantee)
Small business (PL, PI, combined)

Fair comparison with UK alternatives

Compare the Market — the market leader. Meerkat-driven brand. Strong in motor and home.
GoCompare — strong in motor, home and energy.
MoneySuperMarket — broader financial-product comparison including credit cards and mortgages.
Confused.com — the original UK comparison site.
Which? Insurance — reviews and advice, not a transactional comparison.
GeraSure — commission-transparent, Consumer Duty-first, quieter (no mascot), multilingual UI for the UK's 2 million-plus non-English-first speakers.

How a UK comparison is designed to work — illustrative example

This is an illustrative scenario, not a customer case study. A buy-to-let landlord compares landlord buildings, rent-guarantee and public liability cover. GeraSure is designed to return quotes from FCA-regulated insurers with the annual premium, the FSCS coverage tier, and the commission GeraSure would earn on each quote visible — so the landlord can choose a policy knowing exactly how the comparison is paid.

What happens if a claim goes wrong

First stage — complain to the insurer
If unresolved after 8 weeks — Financial Ombudsman Service (FOS) free to you
If the insurer defaults — FSCS coverage per class of business
GeraSure supports you through each stage, but we are the comparison, not the insurer

UK coverage

All four nations. We observe Northern Ireland's separate motor-insurance regulatory stack (MID NI / IFB NI) and Scotland's different legal claims regime. Postcode-aware quoting in England, Wales, Scotland and NI.

Related Gera services for UK users

GeraRide — private-hire drivers needing PHV insurance comparison
GeraRent — tenants needing contents insurance on new tenancies
GeraFarm — farm and smallholding insurance

What we do not do

Underwrite insurance — we are a comparison, the insurer carries the risk
Take a referral fee from a product that is not the consumer's best match — Consumer Duty prohibits this
Sell your quote data to unrelated marketing partners

Next step

Enter your postcode at gerasure.com. A full motor or home quote completes in under 3 minutes.