Europa Underwriting Limited

Reference number: 309796

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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.

  • Website

    europauw.co.uk

  • Phone number

    01454 415566

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    Unit 2, West Point Row, Great Park Road, Bradley Stoke, Bristol, South Gloucestershire, BS32 4QG, United Kingdom

In the full report: 3 background checks

  • When europauw.co.uk first appeared online, and whether it can receive email
  • What kind of line 01454 415566 is, and the 2 other firms that give it
  • Who else gives the postcode BS32 4QG
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Other names (2)

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

  • Ridersure Trading name
  • Wiser Choice Trading name

FCA permissions and consumer protection

  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (7 permissions)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Administration
  • Debt-collecting
  • 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
03872760
Company status
Active
Company type
Private limited company
Incorporated
8 November 1999 (26 years old)
Registered office
Unit 2, West Point Row, Great Park Road, Bradley Stoke, Bristol, BS32 4QG, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
David Edward Bowcock Director Apr 1973 22 Mar 2026 13 other companies
Marcin Musial Director Apr 1977 22 Mar 2026 5 other companies
Sharron Michelle Titterington Director Nov 1976 22 Mar 2026 2 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
13
closed down
3
are FCA-registered
5

In the full report: all 13 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 5 on the FCA register, including one no longer authorised
  • The 5 companies these 3 directors run together
  • All 20 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (8) All events (46)

2026

22 March 2026

  • Egl Holdings Ltd gave up control
  • Principal Group Holdings Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Egl Holdings Ltd took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

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

FCA register

2000

10 November 2000

  • Board replaced: its only director left and a new director took over

Companies House

1999

8 November 1999

  • Incorporated at Companies House

Companies House

In the full report: all 46 events

  • All 46 events in its history (8 shown here)
  • Every director appointment and resignation: 33
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Firms connected to Europa Underwriting

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

connected firms
4
no longer authorised
1
share a director
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Europa Underwriting

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

In Bristol

Autoease Vehicle Management LimitedBristolAuthorisedAccident Claims Handlers LimitedBristolAuthorisedAshley Rodwell Insurance Agencies LimitedBristolAuthorisedAssured Travel Solutions LtdBristolAuthorisedAssurity Solutions LtdBristolAuthorisedBrunel AssociatesBristolAuthorised

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 Europa Underwriting

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

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 46 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Europa Underwriting Limited FCA authorised?
Yes, Europa Underwriting Limited (FRN 309796) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Europa Underwriting’s phone number and website?
The FCA register lists the phone number 01454 415566 and the website europauw.co.uk for Europa Underwriting. 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 2 other FCA firms, one of which is no longer authorised.
Is Europa Underwriting a scam or clone?
Europa 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 Europa Underwriting?
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 Europa Underwriting to the Financial Ombudsman Service, free of charge.
Who owns Europa Underwriting?
Europa Underwriting is owned by Principal Group Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 22 March 2026. Before that, it was controlled by Egl Holdings Ltd.
Who runs Europa Underwriting?
Companies House lists 3 directors of Europa Underwriting: David Edward Bowcock, Marcin Musial and Sharron Michelle Titterington.
How long has Europa Underwriting been in business?
The company was formed on 8 November 1999, and has held its current FCA authorisation since January 2005.
Does Europa Underwriting use any other names?
It trades as Ridersure and Wiser Choice.

Sources and links

The full report on Europa Underwriting Limited

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