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
Tower Insurance Brokers Ltd Reference number: 805562 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.
- FEC Mutual Limited (FRN 958319) is an AR of Tower Insurance Brokers Ltd (FRN 805562). When you use FEC Mutual's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from FEC Mutual, 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
7-9 Church Road, Lytham, Lytham St. Annes, Lancashire, FY8 5LH, United Kingdom
In the full report: 2 background checks
- What kind of line 07387 647222 is, and the other firm that gives it
- Who else gives the postcode FY8 5LH
Other names (1)
If you were contacted under any of these names, it is this firm.
- FEC Risk Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Tower Insurance Brokers 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, 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
- 13422679 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private company limited by guarantee
- Incorporated
- 26 May 2021 (5 years old)
- Registered office
- 7-9 Church Road, Lytham St. Annes, Lancashire, FY8 5LH, England
- Nature of business
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- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Louis Stuart Freeman | Director | May 1992 | 28 Nov 2022 | None |
| Liam Gibson | Director | Nov 1994 | 8 Feb 2023 | None |
| Paul Harvey Jenkinson | Director | Apr 1982 | 22 Mar 2023 | 2 other companies |
| Timothy Ian Mcclure | Director | Jul 1987 | 16 Apr 2024 | 20 other companies |
| Graham John Rivers | Director | May 1994 | 10 Nov 2025 | None |
Other companies run by these 5 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
- 22
- still active
- 22
In the full report: all 22 companies, named
- What each company does, and whether it is still trading
- Which of these 5 directors sit on each board, and since when
- Any that went into liquidation or administration
- All 9 people who have ever been directors, with their dates
Key dates in its history
FEC Mutual’s history from the FCA register and Companies House, newest first.
2023
19 April 2023
- Martin Francis Richards no longer holds 25–50% of the votes
- Timothy James John Forshaw no longer holds 25–50% of the votes
Companies House
2022
24 March 2022
- Changed its registered name from "FEC Risk Limited"
FCA register
2021
12 September 2021
- Became an appointed representative
FCA register
26 May 2021
- Incorporated at Companies House
- Martin Francis Richards gained 25–50% of the votes
- Timothy James John Forshaw gained 25–50% of the votes
Companies House
In the full report: all 20 events
- All 20 events in its history (7 shown here)
- Every director appointment and resignation: 13
Firms connected to FEC Mutual
Other FCA-listed firms that share a director, phone number or address with FEC Mutual. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share its phone number
- 1
- share its postcode
- 2
In the full report: all 3 connected firms, named
- How each is linked: the same phone number (1), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like FEC Mutual
Other firms of the same type (insurance broker), nearest first.
In Lytham St. Annes
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 FEC Mutual
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 22 other companies its directors have run, named
- 2 background checks on its contact details
- All 20 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs FEC Mutual?
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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