1 Answer Insurance Services Ltd.

Reference number: 432453

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When 1answer.co.uk first appeared online, and whether it can receive email
  • What kind of line 01323 481444 is
  • Who else gives the postcode BN26 6QH
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Other names (18)

If you were contacted under any of these names, it is this firm.

  • 1Answer Commercial Trading name
  • 1Answer Courier Trading name
  • 1 Answer Insurance Trading name
  • 1Answer Minibus Trading name
  • 1Answer Taxi Trading name
  • 1Answer Van Trading name
  • One Answer Trading name
  • 1 ACeS Former trading name
  • 1 Answer Brokerdrive Former trading name
  • 1 Answer Business Solutions Former trading name
  • 1 Answer Commercial eSolutions Former trading name
  • 1 Answer Communications Former trading name
  • 1 Answer Media Former trading name
  • 1 Answer Systems Former trading name
  • Best Quote Former trading name
  • Love Insurance Services Former trading name
  • Tick Direct Former trading name
  • www.999insure.com Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
04201623
Company status
Active
Company type
Private limited company
Incorporated
19 April 2001 (25 years old)
Registered office
Unit A1 Chaucer Business Park, Dittons Road, Polegate, East Sussex, BN26 6QH, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Eric Muir Director Feb 1965 19 Apr 2001 15 other companies

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
15
closed down
7
are FCA-registered
5

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 5 on the FCA register
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Net assets

£20.6k

−2.4% from £21.1k

Cash at bank

£882k

−29% from £1.24m

Owed within a year

£2.20m

−6.9% from £2.37m

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 04201623. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

1 Answer Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (9) All events (48)

2026

9 February 2026

  • Trevor David Cutts no longer has significant control

Companies House

2025

3 March 2025

  • Angela Pary Muir stopped being a part-owner

Companies House

2016

6 April 2016

  • Angela Pary Muir became a part-owner (25–50% of shares)
  • Paul Eric Muir took control (75–100% of shares)
  • Trevor David Cutts gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register · Companies House

2005

3 October 2005

  • Became authorised by the FCA

FCA register

30 September 2005

  • Regulated by the Financial Services Authority from this date

FCA register

2001

19 April 2001

  • Incorporated at Companies House

Companies House

In the full report: all 48 events

  • All 48 events in its history (9 shown here)
  • Every director appointment and resignation: 7
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Firms connected to 1 Answer Insurance Services

Other FCA-listed firms that share a director, phone number or address with 1 Answer Insurance Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
no longer authorised
1
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
  • 5 past links through former directors
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Firms like 1 Answer Insurance Services

Other firms of the same type (insurance broker), nearest first.

In Polegate

S.m.h. Insurance Consultants LimitedPolegateAuthorisedDS Financial Group LtdPolegateAppointed representativeInnovative Metrics UK LtdPolegateAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on 1 Answer Insurance Services

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 48 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is 1 Answer Insurance Services Ltd. FCA authorised?
Yes, 1 Answer Insurance Services Ltd. (FRN 432453) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is 1 Answer Insurance Services’ phone number and website?
The FCA register lists the phone number 01323 481444 and the website 1answer.co.uk for 1 Answer Insurance Services. If you were given different contact details, use these to check with the firm before going any further.
Is 1 Answer Insurance Services a scam or clone?
1 Answer Insurance Services is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with 1 Answer Insurance Services?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about 1 Answer Insurance Services to the Financial Ombudsman Service, free of charge.
Who owns 1 Answer Insurance Services?
Companies House lists one person with significant control of 1 Answer Insurance Services: Mr Paul Eric Muir (75–100% of shares). Before that, it was controlled by Mr Trevor David Cutts and Mrs Angela Pary Muir.
Who runs 1 Answer Insurance Services?
Companies House lists one director of 1 Answer Insurance Services: Paul Eric Muir.
How long has 1 Answer Insurance Services been in business?
The company was formed on 19 April 2001, and has held its current FCA authorisation since October 2005.
What do 1 Answer Insurance Services’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £20.6k (−2.4% from £21.1k) and cash at bank of £882k (−29% from £1.24m).
Does 1 Answer Insurance Services use any other names?
It trades as 1Answer Commercial, 1Answer Courier, 1 Answer Insurance, 1Answer Minibus and 1Answer Taxi, and 2 more names. It has previously used 11 other names, including 1 ACeS, 1 Answer Brokerdrive and 1 Answer Business Solutions.

Sources and links

The full report on 1 Answer Insurance Services Ltd.

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