About Protect4Sure

Excellence, Value, Quality & Trust

Regulatory Information

The provision of Mechanical Breakdown Insurance is a regulated financial service and we our proud to be directly authorised and regulated by the Financial Conduct Authority.

• COMPANY REGISTRATION No. 5407413
• DATA PROTECTION REGISTER No. Z933878X
• FINANCIAL CONDUCT AUTHORITY (FCA) No. 461102
• ADDRESS: Warwick House Roydon Road Harlow Essex CM19 5DY
• T: 0208 404 0004
• E: email@protect4sure.co.uk
• W: www.protect4sure.co.uk
• Future 45 Limited t/a Protect4Sure is authorised and regulated by the Financial Conduct Authority

Excellence In Service

Our goal is to make each and every aspect of your experience a positive one.

Our web site focuses on delivering facts so you are empowered to make a buying decision based on what is right for you. We are committed to the Financial Conduct Authority (FCA) key principles of Treating Customers Fairly (TCF) to ensure you have clear and transparent information, know our policies deliver what you were lead to believe and have the freedom to cancel.

Our UK Customer Service Team are on hand to answer your questions online or over the phone. We are rightfully proud of their product knowledge and, as they receive no financial sales incentives, you can be sure your enquiry will not be met by unwanted pressure selling. It’s service the old-fashioned way!

Of course, the real test is when you need to claim. Managing claims efficiently takes qualified and experienced professionals. For this reason, we appointed the specialist Claims Management Company, AutoProtect (MBI) Ltd.

When you claim, your call will be answered by real people, equipped with the essential knowledge needed to get you back on the road quickly and settle approved claims directly with the repairer within 24 hours.

Quality Of Cover

Great protection is the key to quality, and all our policies have been designed to meet the needs of today's motorists.

Our Warranties provide two levels of protection, both have no waiting period, no claim excess, require no pre-inspection or the need for a full-service history, just to ensure your car is serviced during cover.

If you are looking for a warranty that lists exactly what is covered, Protect4Sure Drive Easy provides cover for a wide-ranging list of insured parts.

For those who prefer the comprehensive protection of a warranty that lists what is not covered, Protect4Sure Drive Elite pays toward cost of repair or replacement of all mechanical and electrical parts following mechanical breakdown or identified as likely to suffer imminent breakdown during MOT or service. PLUS Wear & Tear from day one for cars up to 6yrs/60,000m at time of claim.

Affordable Protection

By reducing spend on advertising, and delivering policies directly to you online cutting out the commission costs of brokers and dealers, we have been able to strip out many of the costs other providers have to add to the cost of their products.

This means we are able to provide reliable, quality protection, at lower premiums than most, without sacrificing the quality of the cover and service we provide.

Reliable Insurance

Protect4Sure policies are contracts of insurance, meaning we are “legally” bound to honour the terms of your policy.

The Financial Conduct Authority (FCA) set high standards for any company selling insured policies. We must be authorised and regulated by the FCA and the company and its employees must comply with FCA regulations in the same way as banks and finance companies.

If you’re dissatisfied with your insurance and believe you have not received a satisfactory response through the company’s complaints procedure, you can ask The Financial Ombudsman Service FOS to settle the dispute.

FOS have statutory powers to help settle disputes between consumers and UK-based businesses providing financial services, this service is free to consumers only if the product is insured.  Decisions are based on what FOS believes is fair and reasonable in the circumstances of each individual case and will enforce their decision.

If FOS rule you have not been treated fairly, they will tell the company what they must do to rectify the situation.

Financial Strength

As important as the cover is, it’s also vital to know the insurance underwriter has financial strength and ability to meet its ongoing insurance contract obligations – has enough money to pay claims.

All our policies are underwritten by Red Sands Insurance Company (Europe) Ltd., an independent European insurance group, specialising in UK motor-related insurance products Member of A.B.I.

• The Association of British Insurers
• Protected by the F.S.C.S (Financial Services Compensation Scheme)
• Member of The Financial Ombudsman Service
• Number of live policies - 3,000,000+
• Claims Paid 2019 - £112,220,278
• Solvency Cover Ratio 195%
  This is the key metric used to measure the Insurer has sufficient fund to meet its liabilities

Since its founding, Red Sands is now authorised to operate in fifteen European countries, offering over fifteen classes of life and general insurance through ten carefully selected partners.

For further information about Red Sands please visit www.redsands.gi