Holiday Gems Limited

Reference number: 524724

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Holiday Extras Cover Limited Reference number: 828848 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Holiday Gems Limited (FRN 524724) introduces customers to Holiday Extras Cover Limited (FRN 828848). Any regulated advice or arranging is done by the principal, not Holiday Gems.
  • Example: if Holiday Gems refers you to a financial adviser, the advice should come from the principal firm, not from Holiday Gems itself.
  • 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.

In the full report: 3 background checks

  • When holidaygems.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 124 0424 is
  • Who else gives the postcode CH1 6LT
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Other names (1)

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

  • Holiday Gems Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Holiday Extras Cover Limited, 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.

Key dates in its history

Holiday Gems’s history from the FCA register and Companies House, newest first.

2026

4 August 2026

  • Changed its registered name from "Holiday Gems Ltd"

FCA register

2010

25 May 2010

  • Became an introducer appointed representative

FCA register

Firms connected to Holiday Gems

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Holiday Gems

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

In Chester

Sykes Cottages LtdChesterAppointed representativeA55 Health & Protection LtdChesterAppointed representativeC&C Insurance Brokers (Chester) LimitedChesterAppointed representativeChill Property Services LtdChesterAppointed representativeG3 Insure LtdChesterAppointed representativeHalliwell Jones Deva LtdChesterAppointed 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 Holiday Gems

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

  • 3 background checks on its contact details
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Holiday Gems Limited FCA authorised?
Holiday Gems Limited (FRN 524724) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Holiday Gems?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Holiday Gems Limited (FRN 524724) introduces customers to Holiday Extras Cover Limited (FRN 828848). Any regulated advice or arranging is done by the principal, not Holiday Gems. Example: if Holiday Gems refers you to a financial adviser, the advice should come from the principal firm, not from Holiday Gems itself. 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 Holiday Gems’ phone number and website?
The FCA register lists the phone number 0330 124 0424 and the website holidaygems.co.uk for Holiday Gems. If you were given different contact details, use these to check with the firm before going any further.
Is Holiday Gems a scam or clone?
Holiday Gems 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 Holiday Gems?
Protection works through Holiday Extras Cover Limited, the principal firm responsible for Holiday Gems's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Holiday Gems use any other names?
It has previously used the name Holiday Gems Ltd.

Sources and links

The full report on Holiday Gems Limited

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