Cavendish Online Limited

Reference number: 469385

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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 cavendishonline.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 644 2544 is
  • Who else gives the postcode EX4 3NL
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FCA permissions and consumer protection

  • 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.
  • 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.
  • 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 (3 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • 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.

Companies House record

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

Company number
04045709
Company status
Active
Company type
Private limited company
Incorporated
2 August 2000 (26 years old)
Registered office
234 High Street, Exeter, EX4 3NL, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
John Charles Nelmes Director Jul 1966 2 Oct 2007 2 other companies
Rachel Anne Messenger Director May 1982 20 Dec 2024 26 other companies
Katherine Anne Lyons Director Oct 1981 31 Mar 2026 None
Graeme John Donaldson Secretary Not published 30 Nov 2022 –

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
28
closed down
2
went insolvent
2

In the full report: all 28 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 2 on the FCA register
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2022Small company accountsNot audited

Net assets

£614k

−34% from £934k

Cash at bank

£710k

−27% from £968k

Employees (average)

59

+11% from 53

Owed within a year

£267k

−24% from £350k

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 04045709. 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

Cavendish Online’s history from the FCA register and Companies House, newest first.

Key events (7) All events (22)

2022

30 November 2022

  • Ian Williams stopped being the majority owner
  • Lloyds Bank Insurance Services Limited took control (75–100% of shares)

Companies House

2016

2 August 2016

  • Ian Williams became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

1 October 2007

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

FCA register

2000

2 August 2000

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (7 shown here)
  • Every director appointment and resignation: 13
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Firms connected to Cavendish Online

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

past links
2

In the full report: all 0 connected firms, named

  • 2 past links through former directors
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Firms like Cavendish Online

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

In Exeter

Best Protect Online LtdExeterAuthorisedColin Hardy & Co. LimitedExeterAuthorisedEngineering Investment Global LtdExeterAuthorisedGM Insurance Brokers LimitedExeterAuthorisedHWH Associates LimitedExeterAuthorisedQuote Monkey LtdExeterAuthorised

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 Cavendish Online

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

  • 28 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 22 events in its history

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Frequently asked questions about this firm

Is Cavendish Online Limited FCA authorised?
Yes, Cavendish Online Limited (FRN 469385) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2007 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Cavendish Online’s phone number and website?
The FCA register lists the phone number 0345 644 2544 and the website cavendishonline.co.uk for Cavendish Online. If you were given different contact details, use these to check with the firm before going any further.
Is Cavendish Online a scam or clone?
Cavendish Online 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 Cavendish Online?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Cavendish Online to the Financial Ombudsman Service, free of charge.
Who owns Cavendish Online?
Cavendish Online is owned by Lloyds Bank Insurance Services Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 November 2022. Before that, it was controlled by Mr Ian Williams.
Who runs Cavendish Online?
Companies House lists 3 directors of Cavendish Online: John Charles Nelmes, Rachel Anne Messenger and Katherine Anne Lyons.
How long has Cavendish Online been in business?
The company was formed on 2 August 2000, and has held its current FCA authorisation since October 2007.
What do Cavendish Online’s latest accounts show?
Its latest accounts, to 31 March 2022, show net assets of £614k (−34% from £934k) and cash at bank of £710k (−27% from £968k).

Sources and links

The full report on Cavendish Online Limited

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