NACFB Mutual Limited: FCA regulated?

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.

Appointed for 4 years
Protected through the principal
No FCA actions
Active company since 2022
1 thing worth a closer look in the background checks

Responsible principal firm

Tower Insurance Brokers Ltd Reference number: 805562 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.
NACFB Mutual Limited (FRN 975191) is an AR of Tower Insurance Brokers Ltd (FRN 805562). When you use NACFB Mutual's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from NACFB Mutual, 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.

No website on the FCA register
Phone number

07387 647222
Address

33 Eastcheap, London, EC3M 1DT, United Kingdom

In the full report: 2 background checks, 1 thing worth a closer look

What kind of line 07387 647222 is, and the other firm that gives it
Whether EC3M 1DT is a shared office: 21 other firms give it

Other names (1)

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

NACFB Risk Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Tower Insurance Brokers 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: 14006240 (opens Companies House in a new tab)
Company status: Active
Company type: Private company limited by guarantee
Incorporated: 28 March 2022 (4 years old)
Registered office: 33 Eastcheap, London, EC3M 1DT, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Adrian Lewis Coles	Director	Apr 1963	27 May 2022	None
James Higginbotham	Director	Feb 1969	20 Dec 2024	6 other companies
Evette Orams	Director	May 1974	10 Nov 2025	None
Sarah Lucy Cunningham	Director	Mar 1985	3 Sep 2026	1 other company

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: 7
still active: 7
are FCA-registered: 5

In the full report: all 7 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 5 on the FCA register
All 12 people who have ever been directors, with their dates

Key dates in its history

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

Key events (5) All events (25)

2023

19 April 2023

Tower Insurance Brokers Ltd gave up control

Companies House

2022

2 September 2022

Changed its registered name from "NACFB Risk Limited"

FCA register

5 May 2022

Became an appointed representative

FCA register

28 March 2022

Incorporated at Companies House
Tower Insurance Brokers Ltd took control (75–100% of shares)

Companies House

In the full report: all 25 events

All 25 events in its history (5 shown here)
Every director appointment and resignation: 20

Firms connected to NACFB Mutual

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

connected firm: 1
share its phone number: 1
past links: 5

In the full report: the connected firm, named

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

Firms like NACFB Mutual

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

In London

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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 NACFB Mutual

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

7 other companies its directors have run, named
2 background checks on its contact details, 1 flagged
All 25 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is NACFB Mutual Limited FCA authorised?

NACFB Mutual Limited (FRN 975191) 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 NACFB Mutual?

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. NACFB Mutual Limited (FRN 975191) is an AR of Tower Insurance Brokers Ltd (FRN 805562). When you use NACFB Mutual's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from NACFB Mutual, 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 NACFB Mutual’s phone number?

The FCA register lists the phone number 07387 647222 for NACFB Mutual. 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 NACFB Mutual a scam or clone?

NACFB Mutual 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 NACFB Mutual?

Protection works through Tower Insurance Brokers Ltd, the principal firm responsible for NACFB Mutual's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns NACFB Mutual?

Companies House lists no one with significant control of NACFB Mutual now. Before that, it was controlled by Tower Insurance Brokers Ltd.

Who runs NACFB Mutual?

Companies House lists 4 directors of NACFB Mutual: Adrian Lewis Coles, James Higginbotham, Evette Orams and Sarah Lucy Cunningham.

How long has NACFB Mutual been in business?

The company was formed on 28 March 2022.

Does NACFB Mutual use any other names?

It has previously used the name NACFB Risk Limited.