FCA: clone firm 'GoTempCover Limited' uses gotempcover.com and drivewisely.app, posing as an authorised insurer
The UK Financial Conduct Authority (FCA) published a clone firm warning on 21 October 2026 about 'GoTempCover Limited', which it says is not authorised by the FCA but has been contacting people pretending to be an aut…
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Source: fca.org.uk · published
What happened
The UK Financial Conduct Authority (FCA) published a clone firm warning on 21 October 2026 about 'GoTempCover Limited', which it says is not authorised by the FCA but has been contacting people pretending to be an authorised firm. According to the FCA, fraudsters are using the email address support@gotempcover.com and the websites gotempcover.com and drivewisely.app. The FCA says the genuine authorised firm whose details are being claimed is Accelerant Insurance UK Limited (Firm Reference Number 207658), which has no connection with the clone firm. The FCA warns that clone firms may give out other false details, including email addresses, phone numbers, postal addresses and Firm Reference Numbers, and may mix them with an authorised firm's genuine details. People dealing with the clone firm will not have access to the Financial Ombudsman Service or FSCS protection.
What the warning means
A clone firm uses the name, address or Firm Reference Number of a genuine authorised firm to look legitimate. In this case the fraudsters present themselves as an authorised insurer offering temporary cover, a product people often buy quickly and online, for example to drive a borrowed car for a day. Someone who checks the FCA Register may find the genuine firm's details and wrongly assume the website or email is connected to it.
People who buy a policy from a clone firm may pay for cover that doesn't exist, leaving them uninsured on the road, and may hand over personal and card details. The FCA warns that clone firms may give out false email addresses, phone numbers, postal addresses and Firm Reference Numbers, or mix them with an authorised firm's genuine details. Its advice is to check the FCA Firm Checker and to contact the authorised firm only using the contact details listed on the Financial Services Register, not those given by the caller, email or website. If you think you have dealt with a clone firm, you can report it to the FCA's consumer helpline on 0800 111 6768.
Source
Financial Conduct Authority, "GoTempCover Limited (Clone of FCA authorised firm)" (published 21 October 2026).
Red flags
- A temporary car insurance website or email that claims to be an authorised firm but uses different contact details from the FCA Register.
- Emails from support@gotempcover.com or links to gotempcover.com or drivewisely.app.
- Very cheap short-term cover offered with pressure to pay immediately.
- A Firm Reference Number that belongs to a different, genuine company.
If you were targeted
- 1Don't buy cover through gotempcover.com or drivewisely.app.
- 2Check any insurer on the FCA Firm Checker and contact it using the details on the Financial Services Register.
- 3If you bought a policy, check with the genuine insurer whether it exists and don't drive relying on it until you have valid cover.
- 4If you paid, contact your bank or card issuer straight away.
- 5Report the clone firm to the FCA on 0800 111 6768 and to Report Fraud.