Frontier Insurance Solutions LTD: FCA regulated?

Authorised by the FCA

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

Authorised for 11 years
Your funds are protected by FSCS
No FCA actions
Active company since 2013
Accounts filed up to 31 December 2024
On its latest accounts it owed £481k more than it owned
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.

Website

frontierinsurance.co.uk (opens in a new tab)
Phone number

020 3984 8860
Address

1st Floor, 5 St. Helen's Place, London, EC3A 6AB, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When frontierinsurance.co.uk first appeared online, and whether it can receive email
What kind of line 020 3984 8860 is
Who else gives the postcode EC3A 6AB

Other names (6)

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

Flamingo Trading name: A name it trades under now.
Flamingo Home Insurance Trading name: A name it trades under now.
Frontier Trading name: A name it trades under now.
Frontier Home Insurance Trading name: A name it trades under now.
Frontier Insurance Trading name: A name it trades under now.
now4cover Limited Former name: A name it was registered under before.

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.
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 (5 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
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: 08431654 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 6 March 2013 (13 years old)
Registered office: 3rd Floor, 114a Emperor's Gate, Cromwell Road, London, SW7 4AG
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Michael Simon Muzio	Director	Apr 1970	26 Oct 2013	2 other companies
Justin Peter Morgan	Director	Jan 1985	6 May 2026	None
Shelley Jarvis	Director	Aug 1972	6 May 2026	None
Rory Brannigan O’Flaherty	Director	Sep 1988	6 May 2026	None

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: 2
closed down: 1
still active: 1

In the full report: all 2 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
All 7 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2024Full accountsAudited

Net assets

−£481k

Up £182k from −£663k

Cash at bank

£1.82m

+44% from £1.27m

Owed within a year

£2.74m

+38% from £1.99m

Net assets are negative: on its last balance sheet the company owed £481k more than it owned.

Net assets

In the full report: all 6 years of accounts

Every year from 2019 to 2024
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 08431654. 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

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

Key events (5) All events (22)

2022

11 February 2022

Changed its registered name from "now4cover Limited"

FCA register

2016

6 April 2016

Now4cover Holdings Limited took control (75–100% of shares)

Companies House

2015

12 January 2015

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2013

6 March 2013

Incorporated at Companies House

Companies House

In the full report: all 22 events

All 22 events in its history (5 shown here)
Every director appointment and resignation: 10

Firms like Frontier Insurance Solutions

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

In London

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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 Frontier Insurance Solutions

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

2 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
6 years of accounts, charted
All 22 events in its history

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Frequently asked questions about this firm

Is Frontier Insurance Solutions LTD FCA authorised?

Yes, Frontier Insurance Solutions LTD (FRN 630440) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2015 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Frontier Insurance Solutions’ phone number and website?

The FCA register lists the phone number 020 3984 8860 and the website frontierinsurance.co.uk for Frontier Insurance Solutions. If you were given different contact details, use these to check with the firm before going any further.

Is Frontier Insurance Solutions a scam or clone?

Frontier Insurance Solutions 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 Frontier Insurance Solutions?

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 Frontier Insurance Solutions to the Financial Ombudsman Service, free of charge.

Who owns Frontier Insurance Solutions?

Frontier Insurance Solutions is owned by Now4cover Holdings Limited, which holds 75–100% of shares, since 6 April 2016.

Who runs Frontier Insurance Solutions?

Companies House lists 4 directors of Frontier Insurance Solutions: Michael Simon Muzio, Justin Peter Morgan, Shelley Jarvis and Rory Brannigan O’Flaherty.

How long has Frontier Insurance Solutions been in business?

The company was formed on 6 March 2013, and has held its current FCA authorisation since January 2015.

What do Frontier Insurance Solutions’ latest accounts show?

Its latest accounts, to 31 December 2024, show net assets of −£481k (up £182k from −£663k) and cash at bank of £1.82m (+44% from £1.27m).

Does Frontier Insurance Solutions use any other names?

It trades as Flamingo, Flamingo Home Insurance, Frontier, Frontier Home Insurance and Frontier Insurance. It has previously used the name now4cover Limited.