AMB Rural & Commercial Ltd

Reference number: 1047829

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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

FUW Insurance Services Limited Reference number: 615251 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.
  • AMB Rural & Commercial Ltd (FRN 1047829) is an AR of FUW Insurance Services Limited (FRN 615251). When you use AMB Rural & Commercial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from AMB Rural & Commercial, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When ambruralandcommercial.co.uk first appeared online, and whether it can receive email
  • What kind of line 07876 596889 is
  • Who else gives the postcode EX15 2JU
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Other names (1)

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

  • AMB R&C Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through FUW Insurance Services 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
16854410
Company status
Active
Company type
Private limited company
Incorporated
13 November 2025 (less than a year old)
Registered office
4 Cedar Court Tiverton Business Park, Lowman Way, Tiverton, Devon, EX16 6GT, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Alan Bradley Tate-Smith Director Jun 1977 13 Nov 2025 None
Felicity Clare Tate-Smith Director Mar 1979 13 Nov 2025 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Key dates in its history

AMB Rural & Commercial’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2026

23 January 2026

  • Became an appointed representative

FCA register

2025

4 December 2025

  • Felicity Clare Tate-Smith stopped being a part-owner

Companies House

13 November 2025

  • Incorporated at Companies House
  • Alan Bradley Tate-Smith became a part-owner (25–50% of shares)
  • Felicity Clare Tate-Smith became a part-owner (25–50% of shares)
  • Fuw Insurance Services Ltd became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (6 shown here)
  • Every director appointment and resignation: 2
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Firms like AMB Rural & Commercial

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

In Cullompton

First Affinity LimitedCullomptonAppointed representativeMr NP & Mrs FM Wellard and Mrs AE GoslingCullomptonAppointed representativeTrident Mortgages & Protection LtdCullomptonAppointed 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 AMB Rural & Commercial

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

  • Every company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 10 events in its history

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Frequently asked questions about this firm

Is AMB Rural & Commercial Ltd FCA authorised?
AMB Rural & Commercial Ltd (FRN 1047829) 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 AMB Rural & Commercial?
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. AMB Rural & Commercial Ltd (FRN 1047829) is an AR of FUW Insurance Services Limited (FRN 615251). When you use AMB Rural & Commercial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from AMB Rural & Commercial, 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 AMB Rural & Commercial’s phone number and website?
The FCA register lists the phone number 07876 596889 and the website ambruralandcommercial.co.uk for AMB Rural & Commercial. If you were given different contact details, use these to check with the firm before going any further.
Is AMB Rural & Commercial a scam or clone?
AMB Rural & Commercial 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 AMB Rural & Commercial?
Protection works through FUW Insurance Services Limited, the principal firm responsible for AMB Rural & Commercial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns AMB Rural & Commercial?
Companies House lists 2 people with significant control of AMB Rural & Commercial: Mr Alan Bradley Tate-Smith (25–50% of shares) and Fuw Insurance Services Ltd (25–50% of shares). Before that, it was controlled by Mrs Felicity Clare Tate-Smith.
Who runs AMB Rural & Commercial?
Companies House lists 2 directors of AMB Rural & Commercial: Alan Bradley Tate-Smith and Felicity Clare Tate-Smith.
How long has AMB Rural & Commercial been in business?
The company was formed on 13 November 2025.
Does AMB Rural & Commercial use any other names?
It trades as AMB R&C.

Sources and links

The full report on AMB Rural & Commercial Ltd

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