Acumen Insurance Services Limited

Reference number: 423859

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

MAINTENANCE ASSIST LIMITED Reference number: 516611 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Acumen Insurance Services Limited (FRN 423859) is an AR of MAINTENANCE ASSIST LIMITED (FRN 516611). When you use Acumen Insurance Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Acumen Insurance Services, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

  • No website on the FCA register

  • Phone number

    0345 812 0030

  • Address

    St. Clare House, 30-33 Minories, London, EC3N 1PE, United Kingdom

In the full report: 2 background checks

  • What kind of line 0345 812 0030 is
  • Who else gives the postcode EC3N 1PE
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Other names (13)

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

  • Acumen Trading name
  • Covercloud Trading name
  • Flight Delay Trading name
  • Flight Delay Club Trading name
  • Flight Disruption Trading name
  • Go Savvy Trading name
  • Luggage Delay Trading name
  • Savvy Trading name
  • Acumen Insurance Services Ltd Former name
  • Disability Travel Insurance Former trading name
  • Genesischoice Former trading name
  • Medial Insurance Services Former trading name
  • Warranty Supermarket Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Maintenance Assist Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
05004926
Company status
Active
Company type
Private limited company
Incorporated
31 December 2003 (22 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Alan Michael Reif Director Mar 1948 1 Nov 2013 13 other companies
John Crispin Speers Director Oct 1946 1 Dec 2015 23 other companies
Mark Kiedish Director Apr 1982 1 Apr 2020 12 other companies
Stephen Francis Gilkes Director Jul 1973 10 Feb 2021 None

Other companies run by these 4 directors

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
42
closed down
13
are FCA-registered
17

In the full report: all 42 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 17 on the FCA register
  • The 6 companies these 4 directors run together
  • All 12 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£152k

−45% from £275k

Employees (average)

4

Same as 4

Owed within a year

£107k

−81% from £559k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 to 2025
  • 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 05004926. 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

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

Key events (5) All events (47)

2016

7 December 2016

  • Crispin Speers & Partners Ltd took control (75–100% of shares)

Companies House

2014

15 December 2014

  • Changed its registered name from "Acumen Insurance Services Ltd"

FCA register

2009

1 September 2009

  • Board replaced: all 4 directors left and 2 new directors took over

Companies House

2005

19 January 2005

  • Became an appointed representative

FCA register

2003

31 December 2003

  • Incorporated at Companies House

Companies House

In the full report: all 47 events

  • All 47 events in its history (5 shown here)
  • Every director appointment and resignation: 20
Instant PDF download

Firms connected to Acumen Insurance Services

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

connected firms
10
share a director
10
share its postcode
5

In the full report: all 10 connected firms, named

  • How each is linked: shared directors (10), the same postcode (5)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
Instant PDF download

Firms like Acumen Insurance Services

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

In London

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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 Acumen Insurance Services

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

  • 42 other companies its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 47 events in its history
  • 10 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Acumen Insurance Services Limited FCA authorised?
Acumen Insurance Services Limited (FRN 423859) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Acumen Insurance Services?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Acumen Insurance Services Limited (FRN 423859) is an AR of MAINTENANCE ASSIST LIMITED (FRN 516611). When you use Acumen Insurance Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Acumen Insurance Services, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Acumen Insurance Services’ phone number?
The FCA register lists the phone number 0345 812 0030 for Acumen Insurance Services. If you were given different contact details, use these to check with the firm before going any further.
Is Acumen Insurance Services a scam or clone?
Acumen 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 Acumen Insurance Services?
Protection works through Maintenance Assist Limited, the principal firm responsible for Acumen Insurance Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Acumen Insurance Services?
Acumen Insurance Services is owned by Crispin Speers & Partners Ltd, which holds 75–100% of shares, since 7 December 2016.
Who runs Acumen Insurance Services?
Companies House lists 4 directors of Acumen Insurance Services: Alan Michael Reif, John Crispin Speers, Mark Kiedish and Stephen Francis Gilkes.
How long has Acumen Insurance Services been in business?
The company was formed on 31 December 2003.
What do Acumen Insurance Services’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £152k (−45% from £275k).
Does Acumen Insurance Services use any other names?
It trades as Acumen, Covercloud, Flight Delay, Flight Delay Club and Flight Disruption, and 3 more names. It has previously used 5 other names, including Acumen Insurance Services Ltd, Disability Travel Insurance and Genesischoice.

Sources and links

The full report on Acumen Insurance Services Limited

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