Navigators Underwriting Limited

Reference number: 415229

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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

HARTFORD UNDERWRITING AGENCY LIMITED Reference number: 204835 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.
  • Navigators Underwriting Limited (FRN 415229) is an AR of HARTFORD UNDERWRITING AGENCY LIMITED (FRN 204835). When you use Navigators Underwriting's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Navigators Underwriting, 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 navg.com first appeared online, and whether it can receive email
  • What kind of line 020 7220 6900 is, and the 2 other firms that give it
  • Whether EC3A 7BA is a shared office: 23 other firms give it
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Other names (2)

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

  • The Hartford Trading name
  • Pennine Underwriting Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Hartford Underwriting Agency Limited, 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
03821007
Company status
Active
Company type
Private limited company
Incorporated
6 August 1999 (27 years old)
Registered office
6 Bevis Marks, 8th Floor, London, EC3A 7BA, England
Nature of business
  • Non-life insurance (SIC 65120)
  • Non-life reinsurance (SIC 65202)

Directors and company secretaries

Name Role Born Appointed Other companies
Carl Lee Bach Iii Director Sep 1975 22 May 2015 7 other companies
Neil James Farrer Director Jun 1979 8 May 2019 6 other companies

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
7
still active
7
are FCA-registered
2

In the full report: all 7 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 2 on the FCA register
  • The 6 companies these 2 directors run together
  • All 25 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (9) All events (56)

2016

6 April 2016

  • Hartford Underwriting Agency Limited took control (75–100% of shares)

Companies House

2014

4 August 2014

  • Regulated by the Autoriteit Financiële Markten from this date
  • Regulated by the Organisme pour le registre des intermediaires en assurance from this date
  • Regulated by the Prudential Regulation Authority from this date
  • No longer regulated by the Prudential Regulation Authority

FCA register

2005

14 January 2005

  • Regulated by the Institute for the Supervision of Insurance from this date
  • Became an appointed representative

FCA register

10 January 2005

  • Changed its registered name from "Pennine Underwriting Limited"

FCA register

1999

6 August 1999

  • Incorporated at Companies House

Companies House

In the full report: all 56 events

  • All 56 events in its history (9 shown here)
  • Every director appointment and resignation: 46
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Firms connected to Navigators Underwriting

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

connected firms
2
share a director
1
share its phone number
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Navigators Underwriting

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 Navigators Underwriting

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
  • 3 background checks on its contact details, 1 flagged
  • All 56 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Navigators Underwriting Limited FCA authorised?
Navigators Underwriting Limited (FRN 415229) 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 Navigators Underwriting?
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. Navigators Underwriting Limited (FRN 415229) is an AR of HARTFORD UNDERWRITING AGENCY LIMITED (FRN 204835). When you use Navigators Underwriting's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Navigators Underwriting, 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 Navigators Underwriting’s phone number and website?
The FCA register lists the phone number 020 7220 6900 and the website navg.com for Navigators Underwriting. 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 2 other FCA firms.
Is Navigators Underwriting a scam or clone?
Navigators Underwriting 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 Navigators Underwriting?
Protection works through Hartford Underwriting Agency Limited, the principal firm responsible for Navigators Underwriting's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Navigators Underwriting?
Navigators Underwriting is owned by Hartford Underwriting Agency Limited, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board, significant influence or control and held through a firm, since 6 April 2016.
Who runs Navigators Underwriting?
Companies House lists 2 directors of Navigators Underwriting: Carl Lee Bach III and Neil James Farrer.
How long has Navigators Underwriting been in business?
The company was formed on 6 August 1999.
Does Navigators Underwriting use any other names?
It trades as The Hartford. It has previously used the name Pennine Underwriting Limited.

Sources and links

The full report on Navigators Underwriting Limited

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