Crash Services Ltd: 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 16 years
Protected through the principal
No FCA actions
Active company since 2004

Responsible principal firm

GRANITE INSURANCE SERVICES LIMITED Reference number: 514910 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.
Crash Services Ltd (FRN 530247) is an AR of GRANITE INSURANCE SERVICES LIMITED (FRN 514910). When you use Crash Services's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Crash Services, 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

crashservices.com (opens in a new tab)
Phone number

028 3025 1840
Address

134A Stockmans Lane, Belfast, County Antrim, BT9 7JE, United Kingdom

In the full report: 3 background checks

When crashservices.com first appeared online, and whether it can receive email
What kind of line 028 3025 1840 is, and the other firm that gives it
Who else gives the postcode BT9 7JE

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Granite 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: NI052244 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 29 October 2004 (21 years old)
Registered office: Canal House, 27-29b St. Marys Street, Newry, Co. Down, BT34 2AA, Northern Ireland
Nature of business: Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Sinead Elizabeth Mcallister	Director	Apr 1978	18 Feb 2009	8 other companies
Steve Beighton	Director	Feb 1965	21 Feb 2025	1 other company
Michelle Murphy	Director	May 1982	21 Feb 2025	1 other company
Paul O'Hare	Director	Jan 1987	21 Feb 2025	1 other company
Paula Mahoney	Director	Jun 1983	21 Feb 2025	1 other company
Christopher Harte	Director	Jul 1990	21 Feb 2025	1 other company
Sinead Elizabeth Mcallister	Secretary	Not published	18 Feb 2009	8 other companies

Other companies run by these 6 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: 8
closed down: 1
is FCA-registered: 1

In the full report: all 8 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 1 company these 6 directors run together
All 12 people who have ever been directors, with their dates

Key dates in its history

Crash Services’s history from the FCA register and Companies House, newest first.

Key events (3) All events (21)

2016

6 April 2016

Granite Financial Ltd took control (75–100% of shares)

Companies House

2010

23 August 2010

Became an appointed representative

FCA register

2004

29 October 2004

Incorporated at Companies House

Companies House

In the full report: all 21 events

All 21 events in its history (3 shown here)
Every director appointment and resignation: 18

Firms connected to Crash Services

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

connected firms: 2
share a director: 1
share its phone number: 1

In the full report: all 2 connected firms, named

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

Firms like Crash Services

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

In Belfast

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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 Crash Services

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

8 other companies its directors have run, named
3 background checks on its contact details
All 21 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Crash Services Ltd FCA authorised?

Crash Services Ltd (FRN 530247) 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 Crash Services?

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. Crash Services Ltd (FRN 530247) is an AR of GRANITE INSURANCE SERVICES LIMITED (FRN 514910). When you use Crash Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Crash Services, 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 Crash Services’ phone number and website?

The FCA register lists the phone number 028 3025 1840 and the website crashservices.com for Crash Services. 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 Crash Services a scam or clone?

Crash Services 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 Crash Services?

Protection works through Granite Insurance Services Limited, the principal firm responsible for Crash Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Crash Services?

Crash Services is owned by Granite Financial Ltd, which holds 75–100% of shares, since 6 April 2016.

Who runs Crash Services?

Companies House lists 6 directors of Crash Services: Sinead Elizabeth McAllister, Steve Beighton, Michelle Murphy, Paul O'Hare, Paula Mahoney and Christopher Harte.

How long has Crash Services been in business?

The company was formed on 29 October 2004.