"We expect all firms to review the contents of this letter, our full report and proposed guidance in their entirety. Where firms identify any gaps or shortcomings, we expect them to act promptly to address them to mitigate the risk of harm to customers."
Read the FCA expectations of general insurance firms here:
https://www.fca.org.uk/publication/correspondence/dear-ceo-letter-fca-expectations-of-general-insurance-firms.pdf