Insurance Experts Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1962
Accounts filed up to 30 September 2025

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.

Website

theinsurancexperts.com (opens in a new tab)
Phone number

01245 500433
Address

Burgundy Court, 68 -72 Springfield Road, Chelmsford, Essex, CM2 6JY, United Kingdom

In the full report: 3 background checks

When theinsurancexperts.com first appeared online, and whether it can receive email
What kind of line 01245 500433 is
Who else gives the postcode CM2 6JY

Other names (7)

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

Beech Tree Entertainment Trading name: A name it trades under now.
Carter Insurance Trading name: A name it trades under now.
Clarity Event Insurance Trading name: A name it trades under now.
Spectrum Markets UK Trading name: A name it trades under now.
Ardent Leisure Former trading name: A name it used to trade under.
Jackaman Insurance Services Former trading name: A name it used to trade under.
Matrix Underwriting Management Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Hold or safeguard your money · 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.
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.
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)
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Credit Broking
Dealing in investments as agent
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: 00732594 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 August 1962 (64 years old)
Registered office: Acre House, 11-15 William Road, London, NW1 3ER, United Kingdom
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
John Fergus	Director	May 1955	1 Oct 2004	6 other companies
Roy Jack Victor Musk	Director	May 1952	1 Oct 2014	1 other company
Theresa Ann Fergus	Secretary	Not published	5 Jan 2005	–

Other companies run by these 2 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: 6
closed down: 2
went insolvent: 1

In the full report: all 6 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
The one that went into liquidation or administration
The one on the FCA register
The 1 company these 2 directors run together
All 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 September 2025Full accountsNot audited

Net assets

£126k

−4.4% from £132k

Cash at bank

£427k

+77% from £241k

Owed within a year

£1.04m

+10% from £943k

Assets and liabilities

In the full report: all 7 years of accounts

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

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 00732594. 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

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

Key events (5) All events (23)

2016

6 April 2016

General Portfolio Ltd became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

14 January 2005

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

1962

15 August 1962

Incorporated at Companies House

Companies House

In the full report: all 23 events

All 23 events in its history (5 shown here)
Every director appointment and resignation: 5

Firms connected to Insurance Experts

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

connected firm: 1
share its postcode: 1
past link: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates
1 past link through former directors

Firms like Insurance Experts

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

In Chelmsford

Angel Risk Management LimitedChelmsfordAuthorised Aquamercantile LimitedChelmsfordAuthorised Ascend Broking Group LimitedChelmsfordAuthorised Beyond Leads LimitedChelmsfordAuthorised Callaway & Sons Insurance Consultants LimitedChelmsfordAuthorised Century Underwriting LimitedChelmsfordAuthorised

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 Insurance Experts

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

6 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 23 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Insurance Experts Limited FCA authorised?

Yes, Insurance Experts Limited (FRN 309132) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Insurance Experts’ phone number and website?

The FCA register lists the phone number 01245 500433 and the website theinsurancexperts.com for Insurance Experts. If you were given different contact details, use these to check with the firm before going any further.

Is Insurance Experts a scam or clone?

Insurance Experts 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 Insurance Experts?

It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Insurance Experts to the Financial Ombudsman Service, free of charge.

Who owns Insurance Experts?

Insurance Experts is owned by General Portfolio Ltd, which holds 50–75% of shares and 50–75% of votes, since 6 April 2016.

Who runs Insurance Experts?

Companies House lists 2 directors of Insurance Experts: John Fergus and Roy Jack Victor Musk.

How long has Insurance Experts been in business?

The company was formed on 15 August 1962, and has held its current FCA authorisation since January 2005.

What do Insurance Experts’ latest accounts show?

Its latest accounts, to 30 September 2025, show net assets of £126k (−4.4% from £132k) and cash at bank of £427k (+77% from £241k).

Does Insurance Experts use any other names?

It trades as Beech Tree Entertainment, Carter Insurance, Clarity Event Insurance and Spectrum Markets UK. It has previously used 3 other names: Ardent Leisure, Jackaman Insurance Services and Matrix Underwriting Management.