First Central Underwriting Limited

Reference number: 489450

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 18 years
Complaints covered by the Ombudsman
No FCA actions
93 Ombudsman complaints in January–June 2025
1 thing worth a closer look in the background checks

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
No phone number on the FCA register
Address

5.1a Waterport place, 2 Europort Avenue, GX11 1AA, Gibraltar

In the full report: 1 background check, 1 thing worth a closer look

Whether GX11 1AA is a shared office: 43 other firms give it

Other names (4)

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

1st Central Underwriting Trading name: A name it trades under now.
First Central Insurance Company Limited Former name: A name it was registered under before.
Skyfire Insurance Company Limited Former name: A name it was registered under before.
Skyfire Former trading name: A name it used to trade under.

Past FCA permissions and consumer protection

Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

No specific permissions are recorded for this firm on the FCA register.

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025: 93
upheld, against a 31% median: 37%
about insurance: 93

A bigger firm gets more complaints simply because it has more customers.

Key dates in its history

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

Key events (9) All events (14)

2013

1 April 2013

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

FCA register

2011

22 December 2011

Regulated by the Financial Services Authority from this date
Regulated by the Friendly Societies Commission from this date
No longer regulated by the Friendly Societies Commission
Changed its registered name from "First Central Insurance Company Limited"

FCA register

2008

29 September 2008

Regulated by the Gibraltar Financial Services Commission from this date
Changed its registered name from "Skyfire Insurance Company Limited"
Authorised in another EEA country to do business in the UK

FCA register

In the full report: all 14 events

All 14 events in its history (9 shown here)

Get the full report on First Central Underwriting

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

1 background check on its contact details, 1 flagged
All 14 events in its history

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Frequently asked questions about this firm

Is First Central Underwriting Limited FCA authorised?

Yes, First Central Underwriting Limited (FRN 489450) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2008. The FCA has placed no limits on its permissions.

Is First Central Underwriting a scam or clone?

First Central 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 First Central Underwriting?

Protection depends on which product you hold and how First Central Underwriting handles your money, so check the specific product before you commit. You can also refer complaints about First Central Underwriting to the Financial Ombudsman Service, free of charge.

How many complaints does First Central Underwriting get?

In January–June 2025, the Financial Ombudsman Service received 93 new complaints about First Central Underwriting, and upheld 37% of those it decided.

Does First Central Underwriting use any other names?

It trades as 1st Central Underwriting. It has previously used 3 other names: First Central Insurance Company Limited, Skyfire Insurance Company Limited and Skyfire.

Sources and links

Its entry on the FCA register register.fca.org.uk
Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
Ombudsman complaints data, January–June 2025 financial-ombudsman.org.uk
Report a scam to the FCA fca.org.uk