Borland Insurance Ltd

Reference number: 419411

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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 borlandinsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01403 327714 is, and the 13 other firms that give it
  • Who else gives the postcode KY1 3LZ
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Other names (9)

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

  • AssuredPartners Trading name
  • AssuredPartners Borland Trading name
  • AssuredPartners Scotland Trading name
  • Borland Trading name
  • Gibson Insurance Services Trading name
  • Borland Financial Services Limited Former name
  • Borland Employee Benefits Former trading name
  • Borland Staff Advantage Former trading name
  • Borland Staff Choice 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.

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 (7 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
  • Debt Administration
  • 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
SC161245
Company status
Active
Company type
Private limited company
Incorporated
27 October 1995 (31 years old)
Registered office
Spectrum Building, 55 Blythswood Street, Glasgow, G2 7AT, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Michelle Bree Director Jun 1986 10 Oct 2025 8 other companies
Charles Robertson Crawford Director Mar 1964 3 Nov 2025 50 other companies
James Oliver Whittingham Director Aug 1977 22 Nov 2025 11 other companies
David Michael Edwin Cousins Director Jan 1973 26 Feb 2026 1 other company

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
56
closed down
30
are FCA-registered
15

In the full report: all 56 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 15 on the FCA register
  • The 9 companies these 4 directors run together
  • All 22 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2019Full accountsNot audited

Net assets

£590k

No earlier figure to compare

Cash at bank

£1.15m

No earlier figure to compare

Owed within a year

£1.29m

No earlier figure to compare

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 SC161245. 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

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

Key events (11) All events (68)

2022

21 July 2022

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2021

23 March 2021

  • John Christopher Silcock gave up control

Companies House

1 February 2021

  • Assuredpartners International Limited took control (75–100% of shares)

Companies House

2017

24 February 2017

  • Ross Anderson Kemp Smith stopped being a part-owner

Companies House

2016

6 April 2016

  • John Christopher Silcock took control (75–100% of shares)
  • Ross Anderson Kemp Smith became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

24 November 2011

  • Changed its registered name from "Borland Financial Services Limited"

FCA register

2005

23 February 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1995

27 October 1995

  • Incorporated at Companies House

Companies House

In the full report: all 68 events

  • All 68 events in its history (11 shown here)
  • Every director appointment and resignation: 42
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Firms connected to Borland Insurance

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

connected firms
12
share a director
12
share its phone number
5

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same phone number (5)
  • Who links each one: the named directors, with dates
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Firms like Borland Insurance

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

In Kirkcaldy

Harris InsuranceKirkcaldyAuthorisedInsure Smart LimitedKirkcaldyAuthorisedPark Place Insurance Services LimitedKirkcaldyAuthorisedInsuredirect.co.uk ltdKirkcaldyAppointed representativeOur Travel Insurance LtdKirkcaldyAppointed representativeScotia Financial & Mortgage Services LtdKirkcaldyAppointed 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 Borland Insurance

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

  • 56 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 68 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Borland Insurance Ltd FCA authorised?
Yes, Borland Insurance Ltd (FRN 419411) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Borland Insurance’s phone number and website?
The FCA register lists the phone number 01403 327714 and the website borlandinsurance.co.uk for Borland Insurance. 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 13 other FCA firms.
Is Borland Insurance a scam or clone?
Scammers have impersonated Borland Insurance: 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 Borland Insurance, shown on this page.
Is my money safe with Borland Insurance?
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 Borland Insurance to the Financial Ombudsman Service, free of charge.
Who owns Borland Insurance?
Borland Insurance is owned by Assuredpartners International Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 February 2021. Before that, it was controlled by Mr Ross Anderson Kemp Smith and Mr John Christopher Silcock.
Who runs Borland Insurance?
Companies House lists 4 directors of Borland Insurance: Michelle Bree, Charles Robertson Crawford, James Oliver Whittingham and David Michael Edwin Cousins.
How long has Borland Insurance been in business?
The company was formed on 27 October 1995, and has held its current FCA authorisation since February 2005.
What do Borland Insurance’s latest accounts show?
Its latest accounts, to 30 September 2019, show net assets of £590k (no earlier figure to compare) and cash at bank of £1.15m (no earlier figure to compare).
Does Borland Insurance use any other names?
It trades as AssuredPartners, AssuredPartners Borland, AssuredPartners Scotland, Borland and Gibson Insurance Services. It has previously used 4 other names, including Borland Financial Services Limited, Borland Employee Benefits and Borland Staff Advantage.

Sources and links

The full report on Borland Insurance Ltd

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