PERG 6.2 Purpose of guidance

The purpose of this guidance is to set out:

1. (1)

   at PERG 6.5 the general principles; and

2. (2)

   at PERG 6.6 the range of specific factors;

that the FCA regards as relevant in deciding whether any arrangement is a contract of insurance.

This guidance includes (at PERG 6.7) a number of examples, showing how the factors have been applied to reach conclusions with respect to specific categories of business. Further examples may be published from time-to-time.