First Senior Insurance Services Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1998
Accounts filed up to 31 December 2023

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

firstsenior.com (opens in a new tab)
Phone number

01582 840067
Address

First Senior Insurance Services Ltd, Unit 2, Cotswold Business Park, Millfield Lane, caddington, Central Bedfordshire, LU1 4AR, United Kingdom

In the full report: 3 background checks

When firstsenior.com first appeared online, and whether it can receive email
What kind of line 01582 840067 is
Who else gives the postcode LU1 4AR

FCA permissions and consumer protection

Hold or safeguard your money · 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.
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.
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)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Credit Broking
Dealing in investments as agent
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: 03504591 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 February 1998 (28 years old)
Registered office: Unit 2 Cotswold Business Park, Millfield Lane, Caddington, Bedfordshire, LU1 4AR, England
Nature of business: Non-life insurance (SIC 65120)
Non-life reinsurance (SIC 65202)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Graham Reginald Nicholls	Director	Sep 1949	5 Feb 1998	5 other companies
James Cosby Nicholls	Director	Sep 1972	5 Mar 1998	1 other company
David James Nicholson	Director	Jun 1962	20 Dec 1999	21 other companies
Amy Victoria Nicholls	Director	Jun 2000	1 Sep 2026	1 other company
Carla Gillian Nicholls	Secretary	Not published	5 Feb 1998	–

Other companies run by these 4 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: 26
closed down: 8
are FCA-registered: 5

In the full report: all 26 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
Any that went into liquidation or administration
The 5 on the FCA register
The 1 company these 4 directors run together
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2023Full accountsNot audited

Net assets

£179k

+2.7% from £174k

Cash at bank

£195k

+23% from £158k

Employees (average)

9

−18% from 11

Owed within a year

£128k

+15% from £111k

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2019 to 2023
The chart, over every year
Every filed figure, year by year

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.

Accounts filed at Companies House for company 03504591. 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

First Senior Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (14)

2016

6 April 2016

First Senior Finance Limited became the majority owner (50–75% 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

1998

5 February 1998

Incorporated at Companies House

Companies House

In the full report: all 14 events

All 14 events in its history (5 shown here)
Every director appointment and resignation: 6

Firms connected to First Senior Insurance Services

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

connected firms: 5
share a director: 5

In the full report: all 5 connected firms, named

How each is linked: shared directors (5)
Who links each one: the named directors, with dates

Firms like First Senior Insurance Services

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

In the Luton (LU) postcode area

Finah Consultancy LtdLutonAuthorised Insurance Claims Professionals LtdLeighton BuzzardAuthorised Plastics Window Guarantee LimitedLutonAuthorised Rai Insurance Services LimitedLutonAuthorised TUI limitedLutonAppointed representative Bedfordshire and Luton Chamber of Commerce, Business and Industry LimitedLutonAppointed representative

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 First Senior Insurance Services

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

26 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 14 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is First Senior Insurance Services Limited FCA authorised?

Yes, First Senior Insurance Services Limited (FRN 308478) 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 First Senior Insurance Services’ phone number and website?

The FCA register lists the phone number 01582 840067 and the website firstsenior.com for First Senior Insurance Services. If you were given different contact details, use these to check with the firm before going any further.

Is First Senior Insurance Services a scam or clone?

First Senior Insurance Services 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 Senior Insurance Services?

It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about First Senior Insurance Services to the Financial Ombudsman Service, free of charge.

Who owns First Senior Insurance Services?

First Senior Insurance Services is owned by First Senior Finance Limited, which holds 50–75% of shares, 50–75% of votes and can appoint and remove the board, since 6 April 2016.

Who runs First Senior Insurance Services?

Companies House lists 4 directors of First Senior Insurance Services: Graham Reginald Nicholls, James Cosby Nicholls, David James Nicholson and Amy Victoria Nicholls.

How long has First Senior Insurance Services been in business?

The company was formed on 5 February 1998, and has held its current FCA authorisation since January 2005.

What do First Senior Insurance Services’ latest accounts show?

Its latest accounts, to 31 December 2023, show net assets of £179k (+2.7% from £174k) and cash at bank of £195k (+23% from £158k).