Insurance Factory Limited

Reference number: 306164

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Authorised by the FCA

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

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 insurancefactory.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 343 8473 is, and the 12 other firms that give it
  • Who else gives the postcode PO6 3EN
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Other names (66)

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

  • Asda Trading name
  • Bicy Trading name
  • Equesure Trading name
  • GadgetCover Trading name
  • Geoffrey Pet Trading name
  • Insurance Choice Trading name
  • Insurance Factory Commercial Trading name
  • Insurance Shop Trading name
  • Lancaster Insurance Trading name
  • Lancaster Insurance Services Trading name
  • Masterquote Trading name
  • MiPet Trading name
  • Mobilers Trading name
  • Mobilers Insurance Services Trading name
  • Motorhome Protect Trading name
  • Paws and Claws Trading name
  • Pets in a Pickle Trading name
  • Petwise Trading name
  • Purely Pets Trading name
  • The Insurance Factory Trading name
  • The Taxi Insurer Trading name
  • UIS Pet Insurance Trading name
  • Aquote Former trading name
  • ASA Broking Former trading name
  • BDML Connect Former trading name
  • Blagrove Fleet Insurance Services Former trading name
  • Blagrove Insurance Services Former trading name
  • Broker Connect Former trading name
  • CABS 2000 Former trading name
  • Cassidy Insurance Services Former trading name
  • Caterfind Former trading name
  • Catersell Former trading name
  • Convicted Driver Former trading name
  • Debenhams Former trading name
  • Distinct Business Insurance Former trading name
  • Distinct Private Clients Former trading name
  • Drive to Ensure Former trading name
  • Find Mini a Home Former trading name
  • Geeza Wheels Former trading name
  • Great Big Give Former trading name
  • InsuranceFactory.com Former trading name
  • Insurance Shop Kent Former trading name
  • Insurance Shop Limited Former trading name
  • Insurance Warehouse Limited Former trading name
  • insure4x4 Former trading name
  • insuremotorhome Former trading name
  • Insuremotorhome.com Former trading name
  • JSH Insurance Brokers Former trading name
  • Lionheart Former trading name
  • Lionheart Insurance Services Former trading name
  • Love My Classic Former trading name
  • Masterquote Vision Former trading name
  • Musketeer Insurance Brokers Former trading name
  • My Insurance Shop Former trading name
  • PDSA Petsurance Former trading name
  • REIS Former trading name
  • REIS Motorsport Insurance Former trading name
  • Smart Driver Insurance Services Former trading name
  • Supercover Insurance Former trading name
  • Sureterm Direct Former trading name
  • Thames City Insurance Services Former trading name
  • The Policy Shop Former trading name
  • The Policy Shop Insurance Services Former trading name
  • Ultimate Insurance Solutions Former trading name
  • Ultimate Pet Partners Former trading name
  • Viking Direct Insurance Services Former trading name

FCA permissions and consumer protection

  • 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.
  • 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.
  • 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 (8 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
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Voluntary Requirement
    1. The Firm must not, without prior written consent of the FCA, take any steps (whether directly or through any other person) that would result in the total number of in force policies exceeding the policy limit. 2. The Firm must maintain an agreed sum of funds.

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
02982445
Company status
Active
Company type
Private limited company
Incorporated
24 October 1994 (32 years old)
Registered office
45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Emma Jane Rawlinson Director Sep 1980 7 Mar 2025 36 other companies
Feilim Mackle Director Jul 1967 1 Aug 2025 21 other companies
Tushar Surendra Patel Director Oct 1972 1 Aug 2025 30 other companies
Kartina Tahir Thomson Director May 1976 18 Sep 2025 19 other companies
Mark Winlow Director Apr 1962 2 Jan 2026 2 other companies
Christopher James Payne Secretary Not published 18 Sep 2015 –

Other companies run by these 5 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
44
closed down
5
are FCA-registered
16

In the full report: all 44 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 16 on the FCA register
  • The 30 companies these 5 directors run together
  • All 27 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (12) All events (177)

2026

9 October 2026

  • Markerstudy Group Limited gave up control
  • Markerstudy Retail Group Limited took control (75–100% of shares)

Companies House

2025

6 October 2025

  • FCA imposed a requirement (Voluntary Requirement)

FCA register

2021

15 July 2021

  • Kevin Ronald Spencer gave up control
  • Markerstudy Group Limited took control (75–100% of shares)

Companies House

2017

25 June 2017

  • Kevin Ronald Spencer took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Markerstudy Holdings Limited gave up control
  • Markerstudy Holdings Limited took control (75–100% 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

1994

24 October 1994

  • Incorporated at Companies House

Companies House

In the full report: all 177 events

  • All 177 events in its history (12 shown here)
  • Every director appointment and resignation: 47
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Firms connected to Insurance Factory

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

connected firms
12
share a director
12
share its phone number
11

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same phone number (11)
  • Who links each one: the named directors, with dates
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Firms like Insurance Factory

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

In Portsmouth

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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 Factory

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

  • 44 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 177 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Insurance Factory Limited FCA authorised?
Yes, Insurance Factory Limited (FRN 306164) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed a limit on what it may do.
What is Insurance Factory’s phone number and website?
The FCA register lists the phone number 0330 343 8473 and the website insurancefactory.co.uk for Insurance Factory. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 12 other FCA firms.
Is Insurance Factory a scam or clone?
Insurance Factory 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 Factory?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Insurance Factory to the Financial Ombudsman Service, free of charge.
Who owns Insurance Factory?
Insurance Factory is owned by Markerstudy Retail Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 9 October 2026. Before that, it was controlled by Markerstudy Group Limited, Markerstudy Holdings Limited and Mr Kevin Ronald Spencer.
Who runs Insurance Factory?
Companies House lists 5 directors of Insurance Factory: Emma Jane Rawlinson, Feilim Mackle, Tushar Surendra Patel, Kartina Tahir Thomson and Mark Winlow.
How long has Insurance Factory been in business?
The company was formed on 24 October 1994, and has held its current FCA authorisation since January 2005.
Does Insurance Factory use any other names?
It trades as Asda, Bicy, Equesure, GadgetCover and Geoffrey Pet, and 17 more names. It has previously used 44 other names, including Aquote, ASA Broking and BDML Connect.

Sources and links

The full report on Insurance Factory Limited

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