Happily Insured Ltd

Reference number: 1037027

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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

BLW Insurance Brokers Ltd Reference number: 307379 Authorised 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.
  • HAPPILY INSURED LTD (FRN 1037027) is an AR of BLW Insurance Brokers Ltd (FRN 307379). When you use HAPPILY INSURED's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from HAPPILY INSURED, 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.

  • No website on the FCA register

  • Phone number

    07539 185439

  • Address

    The Croggan, West Polberro, St. Agnes, Cornwall, TR5 0SS, United Kingdom

In the full report: 2 background checks

  • What kind of line 07539 185439 is
  • Who else gives the postcode TR5 0SS
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through BLW 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, free
    You 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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
16497425
Company status
Active
Company type
Private limited company
Incorporated
5 June 2025 (1 year old)
Registered office
The Croggan, West Polberro, St. Agnes, TR5 0SS, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Edward James Feltham Director Aug 1973 5 Jun 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

Happily Insured’s history from the FCA register and Companies House, newest first.

2025

21 July 2025

  • Became an appointed representative

FCA register

5 June 2025

  • Incorporated at Companies House
  • Edward James Feltham took control (75–100% of shares)
  • Edward James Feltham appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Happily Insured

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

In St. Agnes

Watch House Associates LimitedSt. AgnesAppointed representative

In the Truro (TR) postcode area

Darwin (Mullion Cove) LimitedHelstonAppointed representativeAnderson Lloyd International LtdNewquayAppointed representativeAnimal Veterinary Services LimitedHayleAppointed representativeBlack Rabbit Financial LtdCamborneAppointed representativeCornwall Animal Hospital CharityRedruthAppointed 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 Happily Insured

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Happily Insured Ltd FCA authorised?
Happily Insured Ltd (FRN 1037027) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Happily Insured?
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. Happily Insured Ltd (FRN 1037027) is an AR of BLW Insurance Brokers Ltd (FRN 307379). When you use Happily Insured's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Happily Insured, 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.
What is Happily Insured’s phone number?
The FCA register lists the phone number 07539 185439 for Happily Insured. If you were given different contact details, use these to check with the firm before going any further.
Is Happily Insured a scam or clone?
Happily Insured 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 Happily Insured?
Protection works through BLW Insurance Brokers Ltd, the principal firm responsible for Happily Insured's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Happily Insured?
Companies House lists one person with significant control of Happily Insured: Mr Edward James Feltham (75–100% of shares).
Who runs Happily Insured?
Companies House lists one director of Happily Insured: Edward James Feltham.
How long has Happily Insured been in business?
The company was formed on 5 June 2025.

Sources and links

The full report on Happily Insured Ltd

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