Estuary Underwriting Limited

Reference number: 608880

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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

Tristar Underwriting Ltd Reference number: 496746 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.
  • Estuary Underwriting Limited (FRN 608880) is an AR of Tristar Underwriting Ltd (FRN 496746). When you use Estuary Underwriting's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Estuary Underwriting, 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

  • When estuaryunderwriting.com first appeared online, and whether it can receive email
  • What kind of line 01702 943001 is
  • Who else gives the postcode BR3 6NR
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Other names (1)

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

  • Estuary UWH Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Tristar Underwriting 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
08635211
Company status
Active
Company type
Private limited company
Incorporated
2 August 2013 (13 years old)
Registered office
6 Chancery Lane, Beckenham, Kent, BR3 6NR, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Elwyn Gareth Isted Director Sep 1966 24 Apr 2017 6 other companies
Mervyn Isted Director Feb 1968 24 Apr 2017 None

Other companies run by these 2 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
6
closed down
2
are FCA-registered
2

In the full report: all 6 companies, named

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

Year to 30 June 2025Small company accountsNot audited

Net assets

£86.2k

+18% from £73.3k

Cash at bank

£19.1k

−58% from £45.1k

Employees (average)

0

−100% from 2

Owed within a year

£34.0k

−35% from £52.3k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 08635211. 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

Estuary Underwriting’s history from the FCA register and Companies House, newest first.

Key events (8) All events (12)

2025

3 June 2025

  • Estuary Securities Ltd gave up control
  • Tokengate Capital Limited took control (75–100% of shares)

Companies House

2017

24 April 2017

  • Estuary Securities Ltd took control (75–100% of shares)
  • Jacqueline Burns stopped being the majority owner

Companies House

2016

6 April 2016

  • Jacqueline Burns became the majority owner (50–75% of shares)

Companies House

2014

7 March 2014

  • Changed its registered name from "Estuary UWH Ltd"

FCA register

2013

15 October 2013

  • Became an appointed representative

FCA register

2 August 2013

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (8 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Estuary Underwriting

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

connected firms
3
no longer authorised
1
share a director
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Estuary Underwriting

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

In Beckenham

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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 Estuary Underwriting

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Estuary Underwriting Limited FCA authorised?
Estuary Underwriting Limited (FRN 608880) 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 Estuary Underwriting?
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. Estuary Underwriting Limited (FRN 608880) is an AR of Tristar Underwriting Ltd (FRN 496746). When you use Estuary Underwriting's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Estuary Underwriting, 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 Estuary Underwriting’s phone number and website?
The FCA register lists the phone number 01702 943001 and the website estuaryunderwriting.com for Estuary Underwriting. If you were given different contact details, use these to check with the firm before going any further.
Is Estuary Underwriting a scam or clone?
Estuary Underwriting 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 Estuary Underwriting?
Protection works through Tristar Underwriting Ltd, the principal firm responsible for Estuary Underwriting's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Estuary Underwriting?
Estuary Underwriting is owned by Tokengate Capital Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 3 June 2025. Before that, it was controlled by Estuary Securities Ltd and Mrs Jacqueline Burns.
Who runs Estuary Underwriting?
Companies House lists 2 directors of Estuary Underwriting: Elwyn Gareth Isted and Mervyn Isted.
How long has Estuary Underwriting been in business?
The company was formed on 2 August 2013.
What do Estuary Underwriting’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £86.2k (+18% from £73.3k) and cash at bank of £19.1k (−58% from £45.1k).
Does Estuary Underwriting use any other names?
It has previously used the name Estuary UWH Ltd.

Sources and links

The full report on Estuary Underwriting Limited

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