On 12 December 2014, the Financial Conduct Authority (FCA) published a consultation paper in relation to proposed new rules to enhance competition in the UK guaranteed asset protection (GAP) insurance market. An FCA report published in July 2014 identified that competition was not effective in the general insurance add-on market. That report proposed four remedies, one of which related to GAP insurance. The FCA is now consulting on the draft proposed remedy. This consists of (a) a deferred opt-in for add-ons (requiring a delay in the purchasing process to give customers time away from the sales environment to consider their options) and (b) greater information disclosure to encourage consumers to shop around (including advice that add-ons may be purchased elsewhere).  Views are invited until 13 March 2015.