Our Commitment
To You
based on 517 reviews
Consumer Duty
The FCA's Consumer Duty raised the bar for how financial firms treat their customers. We welcomed it, because the principles behind it have always shaped how we work: act in good faith, avoid foreseeable harm, and help our customers make confident decisions about their cover.
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Consumer Duty
How we deliver the four
Consumer Duty outcomes
Consumer Duty isn't a one-off compliance exercise for us. It's the lens we use for every adviser conversation, every policy review, and every decision about how we run TopQuote. The four pillars below set out what that means in practice.
What You Can Expect From Us
Time to think
No pressure to decide on a call. We're happy to send things over for you to read first.
A named adviser
You'll always know who you're speaking to, and they'll know your situation when you call back.
Honest recommendations
If your existing cover still fits, we'll tell you. We won't recommend a change that doesn't benefit you.
A clear way to complain
If we get something wrong, we want to hear about it and put it right. Our complaints process is straightforward and signposted.
Recognised on The
Christie's Supporter Wall
We're proud to share that TopQuote has been recognised on The Christie Charity's new Recognition Wall, marking our continued support for the charity since 2021.
The Christie, based in Manchester, is one of Europe's leading cancer centres and a vital lifeline for patients across the Northwest. The Recognition Wall celebrates the supporters whose contributions help make the charity's life-saving work possible.
We were honoured to receive a beautiful recognition medallion this week, a replica of the one originally presented when TopQuote first contributed in 2021. It now sits proudly in our Cheshire office as a reminder of why supporting causes like this matters.
Charitable giving has always been part of how we work at TopQuote. We're grateful to be a small part of The Christie's story.
Expert Adviser Support
Advised service
Our advisers can discuss your life insurance options based on your individual circumstances, explain suitable products, and answer any questions, helping you make an informed decision.
Appointed representative
TopQuote is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority (FCA). We believe in treating our customers fairly and always provide the highest standard of service.
The Reconnect programme
Reconnect is how we make ongoing support real, not theoretical. It's our structured engagement programme for protection customers whose original broker is no longer servicing them. Rather than waiting for the customer to come to us, we proactively make contact, review whether the cover still fits their life, update key information, and flag anything that's drifted out of date.
It's the difference between a policy that quietly ages and a policy that keeps doing its job. We've been running it for over a decade, and it remains one of the clearest examples of what Consumer Duty looks like when it's lived rather than written down.
Don't take our word for it.
Every review below belongs to a real person who trusted us with something important. We don't take that lightly.