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The businesses which give the services associated to this Coverage are regulated by the Financial Companies Authority and are a member of the Financial Providers Compensation Scheme (FSCS). It's a duty of the FSCS to ensure that a share of sums owed to policyholders by an insurance coverage firm in liquidation is paid to these policyholders if the company itself is unable to satisfy its liabilities in full. John Lewis Insurance coverage is a trading identify of John Lewis plc.