Alternative Propositions Limited

Reference number: 602443

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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 alternativeinsurancebrokers.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 388 2520 is
  • Who else gives the postcode SK1 1TA
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Other names (27)

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

  • Alternative Insurance Brokers Trading name
  • Alternative Warranty Trading name
  • Furniture Warranty Trading name
  • GapInsuranceToday Trading name
  • modifiedvehicleinsurance Trading name
  • modsinsurance Trading name
  • Staff Absence Insurance Solutions Trading name
  • Surety and Bonds Trading name
  • themodifiedvehicleinsurer Trading name
  • Warranty Trading name
  • Warranty Today Trading name
  • Wedding Insurance Solutions Trading name
  • Alterative Insurance Brokers Former trading name
  • Driveaway Assestance Former trading name
  • Driveaway Assistance Former trading name
  • Driveaway GAP Former trading name
  • Driveaway Motoring Assistance Former trading name
  • Driveaway Motoring Services Former trading name
  • Driveaway Warranty Former trading name
  • Emergency Compare Former trading name
  • Home Emergency Protect Former trading name
  • modifiedvehicle Former trading name
  • Monix Legal Former trading name
  • Mortgage Rate Cover Former trading name
  • Princess Protect Former trading name
  • Surecover Former trading name
  • surety and Guarantee Services Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 0800 689 3743
Fake email addresses (1)
  • info@altinsurancebroker.com
Fake websites (1)
  • altinsurancebroker.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • 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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

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

Company number
08253536
Company status
Active
Company type
Private limited company
Incorporated
15 October 2012 (14 years old)
Registered office
Suite 1 Dale House, Tiviot Dale, Stockport, SK1 1TA, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Keith William Wardell Director May 1957 15 Oct 2012 21 other companies
James Francis Ryan Director Apr 1970 9 Jul 2025 1 other company
Emma Louise Philpin Secretary Not published 21 Nov 2014 –

Other companies run by these 2 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
22
closed down
10
are FCA-registered
6

In the full report: all 22 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 6 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 December 2025Small company accountsNot audited

Total equity

£428k

+59% from £269k

Cash at bank

£145k

−52% from £301k

Employees (average)

9

+29% from 7

Owed within a year

£111k

−14% from £129k

No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £851k turnover and £95.8k profit, for the year to 31 December 2019.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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.

Accounts filed at Companies House for company 08253536. 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

Alternative Propositions’s history from the FCA register and Companies House, newest first.

Key events (7) All events (57)

2022

29 April 2022

  • Andrew Mark Shaw stopped being a part-owner

Companies House

2019

10 July 2019

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • Andrew Mark Shaw became a part-owner (25–50% of shares)
  • Keith William Wardell became a part-owner (25–50% of shares)

Companies House

2013

1 November 2013

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2012

15 October 2012

  • Incorporated at Companies House

Companies House

In the full report: all 57 events

  • All 57 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Alternative Propositions

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

connected firm
1
share its postcode
1
past links
6

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
  • 6 past links through former directors
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Firms like Alternative Propositions

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

In Stockport

Complex to Clear Group LimitedStockportAuthorisedAbbott & Bramwell LimitedStockportAuthorisedAppleton & Green LimitedStockportAuthorisedBroadway Broking Group LimitedStockportAuthorisedC & C Insurance Brokers LimitedStockportAuthorisedDavid Auden and AssociatesStockportAuthorised

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 Alternative Propositions

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

  • 22 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 57 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Alternative Propositions Limited FCA authorised?
Yes, Alternative Propositions Limited (FRN 602443) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2013 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Alternative Propositions’ phone number and website?
The FCA register lists the phone number 0161 388 2520 and the website alternativeinsurancebrokers.co.uk for Alternative Propositions. If you were given different contact details, use these to check with the firm before going any further.
Is Alternative Propositions a scam or clone?
Scammers have impersonated Alternative Propositions: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Alternative Propositions, shown on this page.
Is my money safe with Alternative Propositions?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Alternative Propositions to the Financial Ombudsman Service, free of charge.
Who owns Alternative Propositions?
Companies House lists one person with significant control of Alternative Propositions: Mr Keith William Wardell (25–50% of shares). Before that, it was controlled by Mr Andrew Mark Shaw.
Who runs Alternative Propositions?
Companies House lists 2 directors of Alternative Propositions: Keith William Wardell and James Francis Ryan.
How long has Alternative Propositions been in business?
The company was formed on 15 October 2012, and has held its current FCA authorisation since November 2013.
What do Alternative Propositions’ latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £428k (+59% from £269k) and cash at bank of £145k (−52% from £301k).
Does Alternative Propositions use any other names?
It trades as Alternative Insurance Brokers, Alternative Warranty, Furniture Warranty, GapInsuranceToday and modifiedvehicleinsurance, and 7 more names. It has previously used 15 other names, including Alterative Insurance Brokers, Driveaway Assestance and Driveaway Assistance.

Sources and links

The full report on Alternative Propositions Limited

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