Future 45 Limited

Reference number: 461102

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Authorisation being cancelled

This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.

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.

In the full report: 3 background checks

  • When click4warranty.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8819 3424 is
  • Who else gives the postcode CM19 5DY
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Other names (15)

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

  • APG Cover Trading name
  • Click4Gap Trading name
  • Click4Warranty Trading name
  • Protect4Sure Trading name
  • Future 45 Ltd Former name
  • APG Cover Part of AutoProtect Group Former trading name
  • Cardepreciationinsurance.co.uk Former trading name
  • Cargapinsurance.co.uk Former trading name
  • Click4gap.com Former trading name
  • Click4Group Former trading name
  • Click4warranty.co.uk Former trading name
  • Freegapinsurance.co.uk Former trading name
  • Gap-Insurance.Whatcar.com Former trading name
  • Pistonheadsgapinsurance.co.uk Former trading name
  • www.click4gap.co.uk Former trading name

FCA permissions and consumer protection

  • 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 (6 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
  • 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
05407413
Company status
Active
Company type
Private limited company
Incorporated
30 March 2005 (21 years old)
Registered office
3rd Floor 114a Cromwell Road, Kensington, London, SW7 4AG, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Graeme Nieman Director Dec 1985 15 Nov 2018 8 other companies
David Chard Director Feb 1978 1 Jul 2021 None
Sanet Uys Director Dec 1974 26 Jan 2023 8 other companies

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
9
closed down
2
is FCA-registered
1

In the full report: all 9 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 one on the FCA register
  • The 7 companies these 3 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Net assets

£480k

−10% from £533k

Cash at bank

£597k

+62% from £369k

Owed within a year

£307k

+164% from £117k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 05407413. 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

Future 45’s history from the FCA register and Companies House, newest first.

Key events (8) All events (45)

2021

17 February 2021

  • Autoprotect Group Limited took control (75–100% of shares)
  • Janice Anne Smith stopped being the majority owner

Companies House

4 January 2021

  • Changed its registered name from "Future 45 Ltd"

FCA register

2016

6 April 2016

  • Janice Anne Smith became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

19 February 2007

  • Regulated by the Financial Services Authority from this date
  • Applied to cancel its FCA authorisation

FCA register

2005

30 March 2005

  • Incorporated at Companies House

Companies House

In the full report: all 45 events

  • All 45 events in its history (8 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Future 45

Other FCA-listed firms that share a director, phone number or address with Future 45. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Future 45

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

In Harlow

AutoProtect (MBI) LtdHarlowAuthorisedBox Legal LimitedHarlowAuthorisedCoverMy LtdHarlowAuthorisedEfcis LimitedHarlowAuthorisedGothic Insurance Brokers LimitedHarlowAuthorisedMorgans Insurance LimitedHarlowAuthorised

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 Future 45

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 45 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Future 45 Limited FCA authorised?
Future 45 Limited (FRN 461102) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.
What is Future 45’s phone number and website?
The FCA register lists the phone number 020 8819 3424 and the website click4warranty.co.uk for Future 45. If you were given different contact details, use these to check with the firm before going any further.
Is Future 45 a scam or clone?
Future 45 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 Future 45?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Future 45 to the Financial Ombudsman Service, free of charge.
Who owns Future 45?
Future 45 is owned by Autoprotect Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 17 February 2021. Before that, it was controlled by Mrs Janice Anne Smith.
Who runs Future 45?
Companies House lists 3 directors of Future 45: Graeme Nieman, David Chard and Sanet Uys.
How long has Future 45 been in business?
The company was formed on 30 March 2005.
What do Future 45’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £480k (−10% from £533k) and cash at bank of £597k (+62% from £369k).
Does Future 45 use any other names?
It trades as APG Cover, Click4Gap, Click4Warranty and Protect4Sure. It has previously used 11 other names, including Future 45 Ltd, APG Cover Part of AutoProtect Group and Cardepreciationinsurance.co.uk.

Sources and links

The full report on Future 45 Limited

£19.99 · Instant PDF download

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