GENERAL INSURANCE BROKING
COMPLIANCE MANUAL TEMPLATE
Fully Updated for December 2025
Consumer Duty | ICOBS | IDD | PROD
Save Hundreds of Hours. Stay Compliant. Protect Your Business.
Is Your Compliance Manual Putting Your FCA Authorisation at Risk?
If you’re running a General Insurance broking firm, you already know the regulatory landscape has transformed dramatically. Consumer Duty; Product Governance; Operational Resilience; Fair Value assessments. The FCA isn’t slowing down – and neither should your compliance framework.
Yet here’s the uncomfortable truth:
- Most GI broker compliance manuals haven’t been properly updated since before Consumer Duty came into force
- Many firms are still using templates that don’t address PROD requirements or fair value assessments
- The March 2025 Operational Resilience deadline has passed – is your manual compliant?
- Multi-occupancy buildings insurance has specific fair value requirements following FCA Dear CEO letters
- IDD professional requirements and 15-hour CPD obligations are often poorly documented
An outdated or inadequate compliance manual isn’t just a paperwork problem. It’s a risk to your FCA authorisation, your professional reputation, and ultimately your livelihood.
The FCA expects your policies and procedures to reflect current regulatory requirements. Can you honestly say yours do?
Introducing the Complete GI Broking Compliance Manual Template
We’ve done the heavy lifting, so you don’t have to. Our comprehensive Compliance Manual template has been completely rewritten for December 2025, incorporating every significant regulatory development affecting General Insurance intermediaries.
This isn’t a basic template or a recycled document from years ago. This is a professional-grade, 23-section compliance framework designed specifically for FCA-authorised GI brokers.
Fully Editable Microsoft Word Document
Unlike rigid PDFs that force you to start from scratch, our template is delivered as a fully editable .docx file. Simply open it in Microsoft Word, use Find & Replace to add your firm’s details, and customise any section to match your specific business model.
- Add your firm name, FRN, and personnel details in minutes using merge fields
- Modify any section to reflect your specific permissions and activities
- Update easily as regulations change
- Professional formatting already applied – Century Gothic font, consistent styling throughout
- Automatic Table of Contents updates when you make changes
23 Comprehensive Sections Covering Every Aspect of GI Compliance
| Section | Key Content |
| 1. Introduction | Purpose, regulatory status, FCA permissions, scope |
| 2. Your Responsibility | Conduct risk, staff obligations, consequences |
| 3. Regulatory Environment | FCA objectives, 12 Principles, IDD, ICOBS overview |
| 4. Consumer Duty | Principle 12, cross-cutting rules, four outcomes, fair value |
| 5. SMCR | SMFs, Certification, Conduct Rules, 2025 reforms |
| 6. Insurance Distribution | Customer classification, demands & needs, IPIDs |
| 7. Product Governance | PROD requirements, target market, fair value |
| 8. Claims Handling | ICOBS 8, Consumer Duty support requirements |
| 9. Compliance Structure | Compliance function, whistleblowing |
| 10. Client Money | CASS 5, statutory trust, risk transfer |
| 11. Anti-Money Laundering | MLR 2017 (as amended), CDD/EDD, sanctions |
| 12. Financial Promotions | ICOBS requirements, social media, approvals |
| 13. Conflicts of Interest | Commission conflicts, disclosure, gifts |
| 14. Operational Resilience | PS21/3, important business services, testing |
| 15. Complaints Handling | DISP requirements, FOS, root cause analysis |
| 16. Training & Competence | IDD requirements, 15-hour CPD, records |
| 17. Cancellation & Renewals | Cooling-off periods, renewal practices |
| 18. Systems & Controls | Governance, risk management, remuneration |
| 19. Document Retention | Insurance-specific retention periods |
| 20. FCA Notifications | SUP 15 requirements, regulatory returns |
| 21. Breach & Enforcement | Breach handling, FCA powers |
| 22. Compliance Monitoring | Monitoring programme, fair value monitoring |
| 23. Data Protection | UK GDPR, insurance-specific considerations |
Plus 3 Appendices:
- Key Regulatory Contacts (FCA, FOS, FSCS, ICO, BIBA)
- Legislation & Regulation Reference Guide
- Staff Attestation Form
December 2025 Regulatory Updates Included
Every section has been written to reflect the current regulatory position as at December 2025:
- ✓ Consumer Duty (PS22/9) – Fully implemented, including closed products from 31 July 2024
- ✓ ICOBS – Current Insurance: Conduct of Business Sourcebook requirements
- ✓ IDD – Insurance Distribution Directive as retained in UK law post-Brexit
- ✓ PROD – Product Governance requirements for manufacturers and distributors
- ✓ Operational Resilience (PS21/3) – 31 March 2025 deadline compliance
- ✓ SMCR – Including CP25/21 Phase 1 reforms consultation (July 2025)
- ✓ Multi-Occupancy Buildings Insurance – Fair value requirements per FCA Dear CEO letters
- ✓ MLR 2024/2025 Amendments – Updated EDD requirements, PEP guidance
- ✓ FCA Financial Crime Guide – November 2024 updates
- ✓ Vulnerable Customers (FG21/1) – Integrated with Consumer Duty
- ✓ CASS 5 – Client money requirements for insurance distribution
- ✓ FCA Strategy 2025-2030 – Reflects current regulatory priorities
Why GI Brokers Choose This Template
⏱️ Save Hundreds of Hours
Writing a comprehensive compliance manual from scratch takes weeks of research and drafting. Our template gives you a complete, professionally-written framework that you can customise in hours, not months.
💷 Fraction of Consultant Costs
Commissioning a bespoke compliance manual from a consultant typically costs £5,000-£15,000+. Our template delivers the same professional quality at a fraction of the price – with the flexibility to make it your own.
✅ FCA-Ready Documentation
When the FCA asks for your policies and procedures, you’ll have comprehensive documentation that demonstrates your commitment to compliance. No more scrambling to pull together inadequate paperwork.
📝 Genuinely Editable
This is a real Word document, not a locked PDF. Edit any section, add your own procedures, remove what doesn’t apply. It’s your manual – we just give you the professional foundation.
🔄 Easy to Update
Regulations change. With an editable Word document, you can update your manual as requirements evolve, keeping your compliance framework current without starting over.
🎯 GI-Specific Content
This isn’t a generic financial services template. Every section is written specifically for General Insurance intermediaries, covering ICOBS, IDD, PROD, CASS 5, and the insurance-specific aspects of Consumer Duty.
Perfect For:
- FCA-authorised General Insurance brokers and intermediaries
- Firms seeking to update their compliance documentation for Consumer Duty
- New GI firms preparing for FCA authorisation
- Appointed Representatives reviewing their compliance framework
- Compliance Officers needing a comprehensive reference document
- Firms preparing for FCA supervisory visits or s.166 reviews
Not Suitable For:
- Claims Management Companies (we have a separate CMC template)
- Investment firms regulated under MiFID/COBS
- Payment Services or E-Money firms
- Life insurance or pure protection intermediaries
- Lloyd’s managing agents
“The template saved us weeks of work. We were able to customise it to our firm within a day and had a professional compliance manual ready for our FCA application. Excellent value.”
— Managing Director, Regional Insurance Broker
“Finally, a compliance manual template that actually understands GI broking. The Consumer Duty sections alone were worth the investment.”
— Compliance Officer, Commercial Lines Broker
“We used this to completely overhaul our outdated manual. The PROD and fair value sections brought us up to date with requirements we hadn’t properly addressed.”
— Principal, Independent Insurance Intermediary
Get Your Complete GI Compliance Manual Today
One-time purchase | Instant download |
Unlimited use within your firm
What You’ll Receive:
- ✓ Complete 23-section Compliance Manual (60+ pages)
- ✓ Fully editable Microsoft Word format (.docx)
- ✓ Pre-formatted with professional styling
- ✓ Merge fields for easy firm customisation
- ✓ Automatic Table of Contents
- ✓ Staff Attestation Form template
- ✓ Key Contacts and Legislation Appendices
Instant Download – Start customising your manual within minutes of purchase.
Frequently Asked Questions
About Compliance Consultant
Compliance Consultant is a specialist regulatory consultancy with over 25 years’ experience in UK financial services compliance. We work with firms across the insurance, investment, payment services, and consumer credit sectors.
Our team includes chartered compliance professionals with hands-on experience of FCA authorisation applications, governance reviews, and regulatory remediation projects. We understand what the FCA expects because we’ve worked on both sides of the regulatory relationship.
Making Compliance Work – that’s not just our tagline, it’s our philosophy. Compliance shouldn’t be a box-ticking exercise. It should protect your business, your customers, and your reputation.
Ready to Upgrade Your Compliance Framework?
Don’t let an outdated compliance manual put your FCA authorisation at risk.
Get the professional foundation your firm deserves.