Financial Services Compensation Scheme

If we ever couldn’t pay back your money, you’re covered by the Financial Services Compensation Scheme (FSCS). You would get your money back, up to certain limits. 

The FSCS is there to protect savers if their bank or other financial provider is unable, or likely to become unable, to pay out on any claims, by covering them for any money they’ve lost – up to some limits. What those limits are depends on the type of savings or investment you have.

Here’s a snapshot of the limits for different kinds of financial products, but for full details see the FSCS website.

Investments: £85,000 per person per firm

Some of our products are classed as investments (not deposits). These are our Stocks and Shares ISAs, Junior ISAs, CTFs and Tax Exempt plans.

Therefore, 100% of the first £85,000 invested in your policy is covered by the FSCS

Insurance: no upper limit

100% of any Unity Mutual long term insurance plan is protected by the FSCS. These are our Lifetime ISAs, Guaranteed Investment Bonds and our Sickness Income Plan. 

Visit for full details of the limits, and how they can help you.

External website links: we only link to external websites that we feel provide useful information, but we cannot always guarantee their accuracy and we take no responsibility for their content.