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 10 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 31 October 2025
Responsible principal firm
The Right Mortgage Limited Reference number: 649443 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.
- Cube Insurance Services (Health) Ltd (FRN 728025) is an AR of The Right Mortgage Limited (FRN 649443). When you use Cube Insurance Services (Health)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Cube Insurance Services (Health), 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.
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No website on the FCA register
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Phone number
-
Address
The Old School, Trethosa, St. Stephen, St. Austell, Cornwall, PL26 7QJ, United Kingdom
In the full report: 2 background checks
- What kind of line 01726 822361 is
- Who else gives the postcode PL26 7QJ
Other names (2)
If you were contacted under any of these names, it is this firm.
- Cube Ins Services (Health) Ltd Former name: A name it was registered under before.
- Cuve Ins Services (Health) Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through The Right Mortgage 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, freeYou 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
- 09584017 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 May 2015 (11 years old)
- Registered office
- The Old School Trethosa, St Stephens, St Austell, Cornwall, PL26 7QJ, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Alan Charles Peppiatt | Director | Sep 1957 | 11 May 2015 | 4 other companies |
| Barbara Audrey Peppiatt | Director | Apr 1960 | 12 May 2026 | 1 other company |
| Emma Lynne Powell | Director | Apr 1978 | 12 May 2026 | 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
- 5
- still active
- 5
- is FCA-registered
- 1
In the full report: all 5 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
- The one on the FCA register
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£414
−96% from £9,308
Employees (average)
2
Same as 2
Owed within a year
£25.5k
+47% from £17.3k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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 09584017. 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
Cube Insurance Services (Health)’s history from the FCA register and Companies House, newest first.
2016
29 July 2016
- Changed its registered name from "Cube Ins Services (Health) Ltd"
FCA register
16 May 2016
- Alan Charles Peppiatt took control (75–100% of shares)
Companies House
2015
14 December 2015
- Changed its registered name from "Cuve Ins Services (Health) Ltd"
FCA register
4 December 2015
- Became an appointed representative
FCA register
11 May 2015
- Incorporated at Companies House
Companies House
In the full report: all 13 events
- All 13 events in its history (5 shown here)
- Every director appointment and resignation: 7
Firms connected to Cube Insurance Services (Health)
Other FCA-listed firms that share a director, phone number or address with Cube Insurance Services (Health). A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Cube Insurance Services (Health)
Other firms of the same type (insurance broker), nearest first.
In St. Austell
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 Cube Insurance Services (Health)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 13 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What do Cube Insurance Services (Health)’s latest accounts show?
Does Cube Insurance Services (Health) use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk