Hardings Insurance Brokers Limited

Reference number: 1045999

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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

MOMENTUM BROKER SOLUTIONS LTD Reference number: 526435 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.
  • Hardings Insurance Brokers Limited (FRN 1045999) is an AR of MOMENTUM BROKER SOLUTIONS LTD (FRN 526435). When you use Hardings Insurance Brokers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Hardings Insurance Brokers, 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

    0112 388 880

  • Address

    One Embankment, 1 Neville Street, Leeds, West Yorkshire, LS1 4DW, United Kingdom

In the full report: 2 background checks

  • What kind of line 0112 388 880 is
  • Who else gives the postcode LS1 4DW
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Other names (1)

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

  • Richmond Five Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Momentum Broker Solutions 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.

Company number
16729985
Company status
Active
Company type
Private limited company
Incorporated
19 September 2025 (1 year old)
Registered office
Richmond House Lawnswood Business Park, Redvers Close, Leeds, LS16 6QY, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas Geoffrey Butler Director May 1968 26 Sep 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Key dates in its history

Hardings Insurance Brokers’s history from the FCA register and Companies House, newest first.

Key events (6) All events (10)

2026

27 January 2026

  • Changed its registered name from "Richmond Five Limited"

FCA register

2025

17 December 2025

  • Became an appointed representative

FCA register

26 September 2025

  • Richard William Smedley gave up control
  • Thomas Geoffrey Butler took control (75–100% of shares)

Companies House

19 September 2025

  • Incorporated at Companies House
  • Richard William Smedley took control (75–100% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Hardings Insurance Brokers

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

connected firms
2
no longer authorised
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Hardings Insurance Brokers

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

In Leeds

Sulzer (UK) Holdings LimitedLeedsAppointed representativeAKB Property Services LtdLeedsAppointed representativeAlyas KhaliqLeedsAppointed representativeBartlett Underwriting LimitedLeedsAppointed representativeChambers Financial Solutions LtdLeedsAppointed representativeCrystal Cover Leeds LtdLeedsAppointed 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 Hardings Insurance Brokers

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 10 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Hardings Insurance Brokers Limited FCA authorised?
Hardings Insurance Brokers Limited (FRN 1045999) 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 Hardings Insurance Brokers?
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. Hardings Insurance Brokers Limited (FRN 1045999) is an AR of MOMENTUM BROKER SOLUTIONS LTD (FRN 526435). When you use Hardings Insurance Brokers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Hardings Insurance Brokers, 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 Hardings Insurance Brokers’ phone number?
The FCA register lists the phone number 0112 388 880 for Hardings Insurance Brokers. If you were given different contact details, use these to check with the firm before going any further.
Is Hardings Insurance Brokers a scam or clone?
Hardings Insurance Brokers 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 Hardings Insurance Brokers?
Protection works through Momentum Broker Solutions Ltd, the principal firm responsible for Hardings Insurance Brokers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Hardings Insurance Brokers?
Companies House lists one person with significant control of Hardings Insurance Brokers: Mr Thomas Geoffrey Butler (75–100% of shares). Before that, it was controlled by Mr Richard William Smedley.
Who runs Hardings Insurance Brokers?
Companies House lists one director of Hardings Insurance Brokers: Thomas Geoffrey Butler.
How long has Hardings Insurance Brokers been in business?
The company was formed on 19 September 2025.
Does Hardings Insurance Brokers use any other names?
It has previously used the name Richmond Five Limited.

Sources and links

The full report on Hardings Insurance Brokers Limited

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