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
Innovative Risk Labs Ltd Reference number: 609155 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.
- Ins Experts Limited (FRN 1045803) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Ins Experts's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Ins Experts, 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.
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No website on the FCA register
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Phone number
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Address
Suite B1, The Quadrant, Mercury Court, Chester West Employment Park, Chester, Cheshire West And Chester, CH1 4QR, United Kingdom
In the full report: 2 background checks
- What kind of line 07799 616620 is, and the 2 other firms that give it
- Who else gives the postcode CH1 4QR
Other names (2)
If you were contacted under any of these names, it is this firm.
- Money Expert Insurance Trading name: A name it trades under now.
- Ins Experts Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Innovative Risk Labs 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, freeYou 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
- 16800036 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 October 2025 (1 year old)
- Registered office
- Suite B1 The Quadrant, Mercury Court, Chester, CH1 4QR, United Kingdom
- Nature of business
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- Non-life insurance (SIC 65120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Antoine Nohra | Director | Feb 1969 | 21 Oct 2025 | None |
| Ian Robert Attwood | Director | Apr 1968 | 9 Mar 2026 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
- All 3 people who have been directors, with their dates
Key dates in its history
Ins Experts’s history from the FCA register and Companies House, newest first.
2026
23 January 2026
- Changed its registered name from "Ins Experts Ltd"
FCA register
2025
17 December 2025
- Changed its registered name from "Ins Experts Limited"
- Became an appointed representative
FCA register
21 October 2025
- Incorporated at Companies House
- Antoine Nohra became a part-owner (25–50% of shares)
- Jesse Young became a part-owner (25–50% of shares)
Companies House
In the full report: all 12 events
- All 12 events in its history (6 shown here)
- Every director appointment and resignation: 4
Firms connected to Ins Experts
Other FCA-listed firms that share a director, phone number or address with Ins Experts. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share its phone number
- 2
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: the same phone number (2), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Ins Experts
Other firms of the same type (insurance broker), nearest first.
In Chester
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 Ins Experts
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 12 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk