Fairmead Insurance Limited

Reference number: 202050

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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.

  • No website on the FCA register

  • Phone number

    01483 568161

  • Address

    57 Ladymead, Guildford, Surrey, GU1 1DB, United Kingdom

In the full report: 2 background checks

  • What kind of line 01483 568161 is, and the 5 other firms that give it
  • Who else gives the postcode GU1 1DB
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Other names (4)

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

  • Legal and General Trading name
  • L&G Trading name
  • British Commonwealth Insurance Company Limited Former name
  • Legal & General Insurance Limited Former name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • 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 (11 permissions)
  • Accepting Deposits
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Carrying out contracts of insurance
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
37
upheld, against a 31% median
44%
about insurance
37

A bigger firm gets more complaints simply because it has more customers. With this few, one case moves the upheld rate a lot.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
00423930
Company status
Active
Company type
Private limited company
Incorporated
19 November 1946 (79 years old)
Registered office
57 Ladymead, Guildford, Surrey, GU1 1DB, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Henry Topham Director Jun 1973 1 May 2024 6 other companies
Stuart Diffey Director Jul 1975 1 Sep 2024 6 other companies
Michael Franz Ruf Director Mar 1984 1 Dec 2025 12 other companies
Christopher Mcgowan Twemlow Secretary Not published 1 Feb 2021 –

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
17
closed down
1
are FCA-registered
6

In the full report: all 17 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 6 on the FCA register
  • The 6 companies these 3 directors run together
  • All 59 people who have ever been directors, with their dates
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Key dates in its history

Fairmead Insurance’s history from the FCA register and Companies House, newest first.

Key events (13) All events (136)

2020

8 October 2020

  • Allianz Holdings PLC gave up control

Companies House

4 March 2020

  • Legal And General Assurance Society Limited gave up control

Companies House

10 January 2020

  • Changed its registered name from "Legal & General Insurance Limited"

FCA register

1 January 2020

  • Liverpool Victoria General Insurance Group Limited took control (75–100% of shares)

Companies House

2019

31 December 2019

  • Allianz Holdings PLC took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Legal And General Assurance Society Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2001

1 December 2001

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

FCA register

1992

29 January 1992

  • Changed its registered name from "British Commonwealth Insurance Company Limited"

FCA register

1946

19 November 1946

  • Incorporated at Companies House

Companies House

1901

1 January 1901

  • Supervised by HM Treasury under the money laundering rules from this date

FCA register

In the full report: all 136 events

  • All 136 events in its history (13 shown here)
  • Every director appointment and resignation: 117
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Firms connected to Fairmead Insurance

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

connected firms
8
share a director
6
share its phone number
5

In the full report: all 8 connected firms, named

  • How each is linked: shared directors (6), the same phone number (5), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Fairmead Insurance

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

In Guildford

Liverpool Victoria Insurance Company LimitedGuildfordAuthorisedHighway Insurance Company LimitedGuildfordAuthorisedTrafalgar Insurance LimitedGuildfordAuthorised

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 Fairmead Insurance

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

  • 17 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 136 events in its history
  • 8 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fairmead Insurance Limited FCA authorised?
Yes, Fairmead Insurance Limited (FRN 202050) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as an insurer. The FCA has placed no limits on its permissions.
What is Fairmead Insurance’s phone number?
The FCA register lists the phone number 01483 568161 for Fairmead Insurance. 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 5 other FCA firms.
Is Fairmead Insurance a scam or clone?
Fairmead Insurance 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 Fairmead Insurance?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Fairmead Insurance to the Financial Ombudsman Service, free of charge.
Who owns Fairmead Insurance?
Fairmead Insurance is owned by Liverpool Victoria General Insurance Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 January 2020. Before that, it was controlled by Allianz Holdings PLC and Legal And General Assurance Society Limited.
Who runs Fairmead Insurance?
Companies House lists 3 directors of Fairmead Insurance: Henry Topham, Stuart Diffey and Michael Franz Ruf.
How long has Fairmead Insurance been in business?
The company was formed on 19 November 1946, and has held its current FCA authorisation since December 2001.
How many complaints does Fairmead Insurance get?
In January–June 2025, the Financial Ombudsman Service received 37 new complaints about Fairmead Insurance, and upheld 44% of those it decided.
Does Fairmead Insurance use any other names?
It trades as Legal and General and L&G. It has previously used 2 other names: British Commonwealth Insurance Company Limited and Legal & General Insurance Limited.

Sources and links

The full report on Fairmead Insurance Limited

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