Moorhouse Group Limited

Reference number: 308035

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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 moorhousegroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 029 2088 1500 is
  • Who else gives the postcode CF83 3HU
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Other names (23)

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

  • Black and White Trading name
  • Constructaquote.com Trading name
  • Cover4Landlords Trading name
  • Cover4Roofers Trading name
  • Moorhouse Insurance Trading name
  • Moorhouse XBroker Trading name
  • Toledo Insurance Solutions Trading name
  • Xbroker Trading name
  • XO Trading name
  • Liability Direct Underwriting Ltd Former name
  • Moorhouse Group Ltd Former name
  • First Van Former trading name
  • Moorhouse Brands Former trading name
  • Moorhouse Corporate Former trading name
  • Moorhouse Enterprise Former trading name
  • Moorhouse Mortgage and Finance Former trading name
  • Moorhouse Premium Finance Former trading name
  • Moorhouse Vaninsure Former trading name
  • Moorlife Former trading name
  • Optin Former trading name
  • Rattio Former trading name
  • Traderspii.Com Former trading name
  • Vaninsure Former trading name

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

FCA action

fine
1
in fines
£159k
most recent
April 2015
  • Fined £159,300 on 23 April 2015
    On 23 April 2015, the Financial Conduct Authority (“the Authority”) imposed on Moorhouse Group Limited (“Moorhouse”) a financial penalty of £159,300 (discounted from £227,670 for early settlement) in respect of breaches of Principle 3 and Principle 7.   The Authority found that in the period between 1 January 2012 and 31 December 2012 Moorhouse failed to organise and control its compliance systems and controls responsibly and effectively in relation to the telephone sales environment. Moorhouse also failed to disclose appropriate information about the limitations and exclusions of particular Add-on Products with the consequent risk that its customers did not have adequate information to make an informed decision at the time of the sale.    A copy of the Final Notice is displayed on the FCA’s website .

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
03825233
Company status
Active
Company type
Private limited company
Incorporated
13 August 1999 (27 years old)
Registered office
Barclay House, 2-3 Sir Alfred Owen Way, Caerphilly, South Wales, CF83 3HU
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Brendan Joseph Devine Director Oct 1967 15 Aug 2025 14 other companies
Ian Gilbert Director Apr 1984 15 Aug 2025 17 other companies
James Ian O'Hara Director Nov 1984 15 Aug 2025 3 other companies
Benjamin George Braddock Director Jun 1986 1 Sep 2025 3 other companies

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
19
closed down
1
are FCA-registered
2

In the full report: all 19 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 2 on the FCA register
  • The 12 companies these 4 directors run together
  • All 18 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2024Full accountsNot audited

Turnover

£7,392

−100% from £6.96m

Profit before tax

−£1,566

−100% from £545k

Net assets

£5,294

−100% from £3.94m

Cash at bank

£1,175

−100% from £1.30m

Turnover and profit

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 03825233. 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

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

Key events (14) All events (89)

2021

6 August 2021

  • Lyndon Robert Wood stopped being the majority owner

Companies House

2020

9 January 2020

  • Linda Haggett gained significant control
  • Linda Haggett no longer has significant control

Companies House

2019

5 December 2019

  • Bruce Nelson Gray no longer has significant control

Companies House

2016

6 April 2016

  • Bruce Nelson Gray gained significant control
  • Lyndon Robert Wood became the majority owner (50–75% of shares)
  • Moorhouse Group Holdings Limited took control (75–100% of shares)

Companies House

2015

23 April 2015

  • Fined £159,300 by the FCA

FCA register

2013

18 November 2013

  • Changed its registered name from "Moorhouse Group Ltd"

FCA register

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

1 February 2005

  • Changed its registered name from "Liability Direct Underwriting Ltd"

FCA register

14 January 2005

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

FCA register

1999

13 August 1999

  • Incorporated at Companies House

Companies House

In the full report: all 89 events

  • All 89 events in its history (14 shown here)
  • Every director appointment and resignation: 34
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Firms connected to Moorhouse Group

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

connected firms
5
share a director
2
share its postcode
3

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Moorhouse Group

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

In Caerphilly

Thomas, Carroll (Brokers) LimitedCaerphillyAuthorisedMy Mortgage Advice Centre LtdCaerphillyAppointed representative

In the Cardiff (CF) postcode area

gocompare.com LimitedCardiffAuthorisedInternational Medical Group LimitedCardiffAuthorised4sure Wales LLPMerthyr TydfilAuthorisedActiveQuote LimitedCardiffAuthorised

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 Moorhouse Group

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

  • 19 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 89 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Moorhouse Group Limited FCA authorised?
Yes, Moorhouse Group Limited (FRN 308035) 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 Moorhouse Group’s phone number and website?
The FCA register lists the phone number 029 2088 1500 and the website moorhousegroup.co.uk for Moorhouse Group. If you were given different contact details, use these to check with the firm before going any further.
Is Moorhouse Group a scam or clone?
Moorhouse Group 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 Moorhouse Group?
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 Moorhouse Group to the Financial Ombudsman Service, free of charge.
Who owns Moorhouse Group?
Moorhouse Group is owned by Moorhouse Group Holdings Limited, which holds 75–100% of shares, since 6 April 2016. Before that, it was controlled by Mrs Linda Haggett, Mr Lyndon Robert Wood and Mr Bruce Nelson Gray.
Who runs Moorhouse Group?
Companies House lists 4 directors of Moorhouse Group: Brendan Joseph Devine, Ian Gilbert, James Ian O'Hara and Benjamin George Braddock.
How long has Moorhouse Group been in business?
The company was formed on 13 August 1999, and has held its current FCA authorisation since January 2005.
What do Moorhouse Group’s latest accounts show?
Its latest accounts, to 31 December 2024, show turnover of £7,392 (−100% from £6.96m) and profit before tax of −£1,566 (−100% from £545k).
Has the FCA taken action against Moorhouse Group?
Yes. The FCA register records 1 fine in 2015, £159,300 in total. The details are in the disciplinary section above, with links to the FCA's notices.
Does Moorhouse Group use any other names?
It trades as Black and White, Constructaquote.com, Cover4Landlords, Cover4Roofers and Moorhouse Insurance, and 4 more names. It has previously used 14 other names, including Liability Direct Underwriting Ltd, Moorhouse Group Ltd and First Van.

Sources and links

The full report on Moorhouse Group Limited

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