Need to Insure Limited

Reference number: 308653

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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 needtoinsure.co.uk first appeared online, and whether it can receive email
  • What kind of line 01623 720081 is
  • Who else gives the postcode NG19 8AD
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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.
  • 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 (7 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • 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 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
04426493
Company status
Active
Company type
Private limited company
Incorporated
29 April 2002 (24 years old)
Registered office
53 Station Street, Mansfield Woodhouse, Mansfield, NG19 8AD, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Charles Raymond Bostrom Director Jun 1945 29 Apr 2002 2 other companies
Paul Andrew Bostrom Director Jun 1973 21 Jan 2026 None

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
closed down
1
is FCA-registered
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 one on the FCA register
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£190k

+4.4% from £182k

Owed within a year

£51.0k

+160% from £19.7k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 04426493. 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

Need to Insure’s history from the FCA register and Companies House, newest first.

Key events (6) All events (14)

2026

21 January 2026

  • Paul Andrew Bostrom became a part-owner (25–50% of shares)

Companies House

2016

29 April 2016

  • Charles Raymond Bostrom 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

2002

29 April 2002

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Need to Insure

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Need to Insure

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

In the Nottingham (NG) postcode area

AC INS Consultants LtdNottinghamAuthorisedAnthony Summerfield LimitedMansfieldAuthorisedAstrelle Insurance Services LimitedNottinghamAuthorisedAutonetic Insurance & Pensions Services (A.I.P.S.) LimitedMansfieldAuthorisedC I 4 U GB Nationwide LimitedNottinghamAuthorisedC P Walker & Son LLPNottinghamAuthorised

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 Need to Insure

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
  • 7 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Need to Insure Limited FCA authorised?
Yes, Need to Insure Limited (FRN 308653) 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 Need to Insure’s phone number and website?
The FCA register lists the phone number 01623 720081 and the website needtoinsure.co.uk for Need to Insure. If you were given different contact details, use these to check with the firm before going any further.
Is Need to Insure a scam or clone?
Need to Insure 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 Need to Insure?
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 Need to Insure to the Financial Ombudsman Service, free of charge.
Who owns Need to Insure?
Companies House lists 2 people with significant control of Need to Insure: Mr Paul Andrew Bostrom (25–50% of shares) and Mr Charles Raymond Bostrom (25–50% of shares).
Who runs Need to Insure?
Companies House lists 2 directors of Need to Insure: Charles Raymond Bostrom and Paul Andrew Bostrom.
How long has Need to Insure been in business?
The company was formed on 29 April 2002, and has held its current FCA authorisation since January 2005.
What do Need to Insure’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £190k (+4.4% from £182k).

Sources and links

The full report on Need to Insure Limited

£19.99 · Instant PDF download

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