O1 Insurance Services Ltd
Reference number: 815387
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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.
- Appointed for 8 years
- Protected through the principal
- No FCA actions
- Active company since 2018
- Accounts filed up to 31 December 2025
Responsible principal firm
McCarron Coates Ltd Reference number: 940003 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.
- O1 Insurance Services Ltd (FRN 815387) is an AR of McCarron Coates Ltd (FRN 940003). When you use O1 Insurance Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from O1 Insurance Services, 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.
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Phone number
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Address
Olympus House, 2 Howley Park Business Village, Pullan Way, Morley, Leeds, West Yorkshire, LS27 0BZ, United Kingdom
In the full report: 3 background checks
- When o1insurance.com first appeared online, and whether it can receive email
- What kind of line 0113 298 3489 is, and the other firm that gives it
- Who else gives the postcode LS27 0BZ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through McCarron Coates 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, freeYou 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
- 11501490 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 6 August 2018 (8 years old)
- Registered office
- Unit 17 Howley Business Park, Morley, Leeds, LS27 0BZ, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Stephen Coates | Director | Jan 1979 | 4 Sep 2023 | 2 other companies |
| Luigi Maggio | Director | Jul 1977 | 7 Jan 2024 | 1 other company |
| Ian Mccarron | Director | Jan 1983 | 7 Jan 2024 | None |
Other companies run by these 3 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
- still active
- 2
- are FCA-registered
- 2
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 on the FCA register
- The 1 company these 3 directors run together
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£48.8k
−39% from £80.7k
Cash at bank
£43.5k
−15% from £51.4k
Employees (average)
3
Same as 3
Owed within a year
£84.7k
−12% from £96.5k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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 11501490. 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
O1 Insurance Services’s history from the FCA register and Companies House, newest first.
2021
4 October 2021
- Board replaced: both directors left and a new director took over
Companies House
2020
1 August 2020
- Ian Daniel McCarron stopped being a part-owner
- McCarron Coates Ltd became a part-owner (25–50% of shares)
- Paul Stephen Coates stopped being a part-owner
Companies House
2018
6 August 2018
- Incorporated at Companies House
- Ian Daniel McCarron became a part-owner (25–50% of shares)
- Paul Stephen Coates became a part-owner (25–50% of shares)
Companies House
2 August 2018
- Became an appointed representative
FCA register
In the full report: all 15 events
- All 15 events in its history (8 shown here)
- Every director appointment and resignation: 7
Firms connected to O1 Insurance Services
Other FCA-listed firms that share a director, phone number or address with O1 Insurance Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1)
- Who links it to this firm: the named directors, with dates
- 1 past link through former directors
Firms like O1 Insurance Services
Other firms of the same type (insurance broker), nearest first.
In Leeds
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 O1 Insurance Services
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 15 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk