InsurX Limited

Reference number: 972980

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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

Pro MGA Solutions Ltd Reference number: 770419 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.
  • InsurX Limited (FRN 972980) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use InsurX's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from InsurX, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When insurxglobal.com first appeared online, and whether it can receive email
  • What kind of line 020 7459 4085 is, and the other firm that gives it
  • Whether EC3M 7DQ is a shared office: 27 other firms give it
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Other names (1)

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

  • InsurX Global Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pro MGA 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
12789800
Company status
Active
Company type
Private limited company
Incorporated
4 August 2020 (6 years old)
Registered office
Lloyd's 1986 Building 1 Lime Street, London, EC3M 7DQ, England
Nature of business
  • Business and domestic software development (SIC 62012)

Directors and company secretaries

Name Role Born Appointed Other companies
Gilbert William Frederick Harrap Director Mar 1987 4 Aug 2020 2 other companies
William Michael Iles Director Aug 1990 16 Dec 2021 1 other company

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
2
still active
2
run together
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£2.32m

−218% from £1.97m

Cash at bank

£3.05m

+38% from £2.21m

Employees (average)

29

+61% from 18

Owed within a year

£7.37m

+407% from £1.45m

Net assets are negative: on its last balance sheet the company owed £2.32m more than it owned.

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 12789800. 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

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

Key events (4) All events (10)

2024

14 February 2024

  • Insurx Holdings Limited took control (75–100% of shares)

Companies House

2022

28 March 2022

  • Became an appointed representative

FCA register

2020

4 August 2020

  • Incorporated at Companies House
  • Gilbert William Frederick Harrap gained significant control

Companies House

In the full report: all 10 events

  • All 10 events in its history (4 shown here)
  • Every director appointment and resignation: 4
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Firms connected to InsurX

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like InsurX

Other firms of the same type (mortgage adviser or broker), nearest first.

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeLawrence BolarinwaLondonAppointed 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 InsurX

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 5 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is InsurX Limited FCA authorised?
InsurX Limited (FRN 972980) 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 InsurX?
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. InsurX Limited (FRN 972980) is an AR of Pro MGA Solutions Ltd (FRN 770419). When you use InsurX's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from InsurX, 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 InsurX’s phone number and website?
The FCA register lists the phone number 020 7459 4085 and the website insurxglobal.com for InsurX. 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 one other FCA firm.
Is InsurX a scam or clone?
InsurX 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 InsurX?
Protection works through Pro MGA Solutions Ltd, the principal firm responsible for InsurX's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns InsurX?
InsurX is owned by Insurx Holdings Limited, which holds 75–100% of shares, since 14 February 2024.
Who runs InsurX?
Companies House lists 2 directors of InsurX: Gilbert William Frederick Harrap and William Michael Iles.
How long has InsurX been in business?
The company was formed on 4 August 2020.
What do InsurX’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£2.32m (−218% from £1.97m) and cash at bank of £3.05m (+38% from £2.21m).
Does InsurX use any other names?
It trades as InsurX Global.

Sources and links

The full report on InsurX Limited

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