Clearwater UW Limited

Reference number: 1002364

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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

Pro MGA Solutions Ltd Reference number: 770419 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.
  • Clearwater UW Limited (FRN 1002364) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Clearwater UW's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Clearwater UW, 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 cw-uw.com first appeared online, and whether it can receive email
  • What kind of line 020 3822 0848 is, and the other firm that gives it
  • Whether EC3M 1DT is a shared office: 21 other firms give it
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Other names (2)

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

  • Clearwater Underwriting Trading name
  • InterProtect Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pro MGA Solutions Ltd, 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
14814511
Company status
Active
Company type
Private limited company
Incorporated
19 April 2023 (3 years old)
Registered office
Third Floor, 33 Eastcheap, London, EC3M 1DT, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Daniel John Maleary Director Oct 1967 20 Oct 2023 30 other companies
Richard Kevin David Young Director Jun 1972 27 Oct 2023 4 other companies
Swati Panesar Director Nov 1982 1 Jul 2024 3 other companies

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
34
closed down
3
went insolvent
1

In the full report: all 34 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 one that went into liquidation or administration
  • The 20 on the FCA register
  • The 3 companies these 3 directors run together
  • All 6 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

Net assets

£1.36m

−12% from £1.55m

Cash at bank

£4.52m

+417% from £875k

Employees (average)

9

No earlier figure to compare

Owed within a year

£5.18m

+609% from £731k

Net assets

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 14814511. 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

Clearwater UW’s history from the FCA register and Companies House, newest first.

Key events (6) All events (17)

2024

11 November 2024

  • Anchor Point Holdings Limited became a part-owner (25–50% of shares)
  • Clearwater Dynamics Ltd. gave up control
  • North Ship Holdings Ltd became the majority owner (50–75% of shares)

Companies House

2023

11 October 2023

  • Became an appointed representative

FCA register

19 April 2023

  • Incorporated at Companies House
  • Clearwater Dynamics Ltd. took control (75–100% of shares)

Companies House

In the full report: all 17 events

  • All 17 events in its history (6 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Clearwater UW

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like Clearwater UW

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

In London

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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 Clearwater UW

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

  • 34 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Clearwater UW Limited FCA authorised?
Clearwater UW Limited (FRN 1002364) 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 Clearwater UW?
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. Clearwater UW Limited (FRN 1002364) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use Clearwater UW's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Clearwater UW, 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 Clearwater UW’s phone number and website?
The FCA register lists the phone number 020 3822 0848 and the website cw-uw.com for Clearwater UW. 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 Clearwater UW a scam or clone?
Clearwater UW 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 Clearwater UW?
Protection works through Pro MGA Solutions Ltd, the principal firm responsible for Clearwater UW's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Clearwater UW?
Clearwater UW is owned by North Ship Holdings Ltd, which holds 50–75% of shares, 50–75% of votes and can appoint and remove the board, since 11 November 2024. Before that, it was controlled by Clearwater Dynamics Ltd..
Who runs Clearwater UW?
Companies House lists 3 directors of Clearwater UW: Daniel John Maleary, Richard Kevin David Young and Swati Panesar.
How long has Clearwater UW been in business?
The company was formed on 19 April 2023.
What do Clearwater UW’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1.36m (−12% from £1.55m) and cash at bank of £4.52m (+417% from £875k).
Does Clearwater UW use any other names?
It trades as Clearwater Underwriting and InterProtect.

Sources and links

The full report on Clearwater UW Limited

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