Birchin Insurance Brokers Limited: FCA regulated?

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.

Appointed for 4 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 March 2025
On its latest accounts it owed £509k more than it owned

Responsible principal firm

Bannerman Rendell Limited Reference number: 308692 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.
Birchin Insurance Brokers Limited (FRN 980415) is an AR of Bannerman Rendell Limited (FRN 308692). When you use Birchin Insurance Brokers's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Birchin Insurance Brokers, 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.

Website

birchin.co.uk (opens in a new tab)
Phone number

020 3176 5640
Address

One Temple Quay, Temple Back East, Bristol, Bristol, City Of, BS1 6DZ, United Kingdom

In the full report: 3 background checks

When birchin.co.uk first appeared online, and whether it can receive email
What kind of line 020 3176 5640 is, and the other firm that gives it
Who else gives the postcode BS1 6DZ

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Bannerman Rendell 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 name: BIRCHIN INSURANCE BROKERS LTD
Company number: 14183289 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 June 2022 (4 years old)
Registered office: 5 Lloyd's Avenue, London, EC3N 3AE, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Simon David Lovat	Director	Oct 1981	20 Jun 2022	1 other company
Daniel Ryan Smith	Director	Dec 1984	20 Jun 2022	1 other company
Mark Addis	Director	Jan 1971	17 Oct 2023	None

Other companies run by these 3 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: 2
closed down: 1
still active: 1

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Total equity

−£509k

Down £22.2k from −£487k

Cash at bank

£81.3k

+42% from £57.3k

Employees (average)

3

Same as 3

Owed within a year

£639k

+11% from £576k

Total equity is negative: on its last balance sheet the company owed £509k more than it owned.

Assets and liabilities

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 14183289. 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

Birchin Insurance Brokers’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2023

28 November 2023

Inperio (Investments) Ltd gave up control
Inperio Holdings Limited took control (75–100% of shares)

Companies House

2022

5 August 2022

Became an appointed representative

FCA register

20 June 2022

Incorporated at Companies House
Inperio (Investments) Ltd took control (75–100% of shares)

Companies House

In the full report: all 9 events

All 9 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms connected to Birchin Insurance Brokers

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

connected firms: 6
share its phone number: 1
share its postcode: 5

In the full report: all 6 connected firms, named

How each is linked: the same phone number (1), the same postcode (5)
Who links each one: the named directors, with dates

Firms like Birchin Insurance Brokers

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

In Bristol

Jaguar Enthusiasts Club LtdBristolAppointed representative Barry JohnsonBristolAppointed representative Nma Private Health LtdBristolAppointed representative Stephen WindaybankBristolAppointed representative BL Autosource LLPBristolAppointed representative Business West (Holdings)BristolAppointed 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 Birchin Insurance Brokers

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

2 other companies its directors have run, named
3 background checks on its contact details
All 9 events in its history
6 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Birchin Insurance Brokers Limited FCA authorised?

Birchin Insurance Brokers Limited (FRN 980415) 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 Birchin Insurance Brokers?

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. Birchin Insurance Brokers Limited (FRN 980415) is an AR of Bannerman Rendell Limited (FRN 308692). When you use Birchin Insurance Brokers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Birchin Insurance Brokers, 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 Birchin Insurance Brokers’ phone number and website?

The FCA register lists the phone number 020 3176 5640 and the website birchin.co.uk for Birchin Insurance Brokers. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Birchin Insurance Brokers a scam or clone?

Birchin Insurance Brokers 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 Birchin Insurance Brokers?

Protection works through Bannerman Rendell Limited, the principal firm responsible for Birchin Insurance Brokers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Birchin Insurance Brokers?

Birchin Insurance Brokers is owned by Inperio Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 28 November 2023. Before that, it was controlled by Inperio (Investments) Ltd.

Who runs Birchin Insurance Brokers?

Companies House lists 3 directors of Birchin Insurance Brokers: Simon David Lovat, Daniel Ryan Smith and Mark Addis.

How long has Birchin Insurance Brokers been in business?

The company was formed on 20 June 2022.

What do Birchin Insurance Brokers’ latest accounts show?

Its latest accounts, to 31 March 2025, show total equity of −£509k (down £22.2k from −£487k) and cash at bank of £81.3k (+42% from £57.3k).