MD Insurance Services Limited

Reference number: 306947

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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 premierguarantee.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 650 4300 is
  • Who else gives the postcode CH41 1AU
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Other names (9)

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

  • LABC Warranty Trading name
  • MDIS Trading name
  • Premier Guarantee Trading name
  • MD Insurance Services Ltd Former name
  • LABC New Home Warranty Former trading name
  • Premier Garantìa Former trading name
  • Premier Guarantee Cyprus Former trading name
  • Premier Guarantee Partners Former trading name
  • The Premier Guarantee 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.
  • 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 (5 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
  • 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
03642459
Company status
Active
Company type
Private limited company
Incorporated
1 October 1998 (28 years old)
Registered office
2 Shore Lines Building, Shore Road, Birkenhead, Wirral, CH41 1AU
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Anya Marjorie O’Reilly Director Aug 1974 1 Apr 2022 2 other companies
Christine Stephenson Director Apr 1983 24 May 2024 5 other companies
David Philip Swigciski Director May 1972 24 Jul 2024 11 other companies
Andrew John Burke Director May 1969 4 Nov 2025 2 other companies
Daniel Paul Vaughan Secretary Not published 1 Dec 2023 –

Other companies run by these 4 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
14
closed down
2
are FCA-registered
4

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register
  • The 5 companies these 4 directors run together
  • All 17 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2021Group accountsAudited

Profit before tax

£626k

No earlier figure to compare

Net assets

£10.5m

No earlier figure to compare

Cash at bank

£88.8m

No earlier figure to compare

Owed within a year

£74.9m

No earlier figure to compare

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.

The figures for the year to 31 December 2021 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.

These are group figures: the firm and the companies it owns, combined.

Accounts filed at Companies House for company 03642459. 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

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

Key events (10) All events (53)

2022

1 April 2022

  • Bernadette Mary Devaney stopped being a part-owner
  • Gary James Devaney stopped being a part-owner
  • Hsb Engineering Insurance Limited took control (75–100% of shares)

Companies House

2018

6 April 2018

  • Changed its registered name from "MD Insurance Services Ltd"

FCA register

2016

6 April 2016

  • Bernadette Mary Devaney became a part-owner (25–50% of shares)
  • Gary James Devaney became a part-owner (25–50% 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

1998

1 October 1998

  • Incorporated at Companies House

Companies House

In the full report: all 53 events

  • All 53 events in its history (10 shown here)
  • Every director appointment and resignation: 28
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Firms connected to MD Insurance Services

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

connected firms
3
share a director
3
share its postcode
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like MD Insurance Services

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

In Wirral

Broadhurst & CompanyWirralAuthorisedMd Affinity Schemes LtdWirralAuthorisedStephen OakesWirralAppointed representativeGordon Financial Solutions LimitedWirralAppointed representativeMindful Wealth Management LtdWirralAppointed representativeRob Spence LimitedWirralAuthorised

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 MD Insurance Services

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 53 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is MD Insurance Services Limited FCA authorised?
Yes, MD Insurance Services Limited (FRN 306947) 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 MD Insurance Services’ phone number and website?
The FCA register lists the phone number 0151 650 4300 and the website premierguarantee.co.uk for MD Insurance Services. If you were given different contact details, use these to check with the firm before going any further.
Is MD Insurance Services a scam or clone?
MD Insurance Services 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 MD Insurance Services?
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 MD Insurance Services to the Financial Ombudsman Service, free of charge.
Who owns MD Insurance Services?
MD Insurance Services is owned by Hsb Engineering Insurance Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 April 2022. Before that, it was controlled by Mr Gary James Devaney and Mrs Bernadette Mary Devaney.
Who runs MD Insurance Services?
Companies House lists 4 directors of MD Insurance Services: Anya Marjorie O’Reilly, Christine Stephenson, David Philip Swigciski and Andrew John Burke.
How long has MD Insurance Services been in business?
The company was formed on 1 October 1998, and has held its current FCA authorisation since January 2005.
What do MD Insurance Services’ latest accounts show?
Its latest accounts, to 31 December 2021, show profit before tax of £626k (no earlier figure to compare) and net assets of £10.5m (no earlier figure to compare).
Does MD Insurance Services use any other names?
It trades as LABC Warranty, MDIS and Premier Guarantee. It has previously used 6 other names, including MD Insurance Services Ltd, LABC New Home Warranty and Premier Garantìa.

Sources and links

The full report on MD Insurance Services Limited

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