The Financial Conduct Authority in the UK (FCA) has published speeches made by its CEO and its Director of Policy, Risk and Research at the FCA's general insurance conference (held on 2 June). Amongst other matters, the speeches touched on disclosures in insurance documentation.  The FCA welcomed indications from some UK firms that they would consider shorter form terms and conditions.  It pointed to its recent initiatives to (a) grant waivers to product disclosures which do not follow FCA guidance, as long as it can be shown that the alternative form disclosures are better for customers and (b) research how smarter disclosures in renewal letters impact decision-making by consumers.  Also highlighted are the steps being taken by the FCA regarding competition in the insurance market – the key tool in this regard being its programme of market studies.