Orwell Insurance Services Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1999
Accounts filed up to 31 August 2025

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.

Website

oisonline.co.uk (opens in a new tab)
Phone number

01473 292800
Address

Unit 4, Cristal Business Centre, 47 Knightsdale Road, Ipswich, Suffolk, IP1 4JJ, United Kingdom

In the full report: 3 background checks

When oisonline.co.uk first appeared online, and whether it can receive email
What kind of line 01473 292800 is
Who else gives the postcode IP1 4JJ

Other names (7)

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

Commercial and General Warranty Trading name: A name it trades under now.
Landlord Plan Trading name: A name it trades under now.
Property Shield Trading name: A name it trades under now.
Staingard Furniture Care Trading name: A name it trades under now.
The Property Underwriter Trading name: A name it trades under now.
Construction Shield Former trading name: A name it used to trade under.
Libertas Former trading name: A name it used to trade under.

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 (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 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: 03803791 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 July 1999 (27 years old)
Registered office: 47 Butt Road, Colchester, Essex, CO3 3BZ, United Kingdom
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Richard Mark Andrews	Director	Sep 1965	12 Jul 1999	5 other companies
Amber Andrews	Director	Dec 2000	24 Jan 2022	None
Debbie Andrews	Director	Aug 1968	24 Jan 2022	None
Alisha Andrews	Director	Nov 1997	24 Jan 2022	None
Leah Gerrard	Director	Apr 1991	24 Jan 2022	None
Emma Licence	Director	Mar 1989	24 Jan 2022	None

Other companies run by these 6 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: 5
closed down: 4
still active: 1

In the full report: all 5 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
All 14 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 August 2025Full accountsNot audited

Cash at bank

£1.51m

+115% from £703k

Owed within a year

£4.20m

+223% from £1.30m

In the full report: all 7 years of accounts

Every year from 2019 to 2025
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.

Accounts filed at Companies House for company 03803791. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Orwell Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (37)

2016

5 July 2016

Richard Mark Andrews took control (75–100% 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

1999

5 July 1999

Incorporated at Companies House

Companies House

In the full report: all 37 events

All 37 events in its history (5 shown here)
Every director appointment and resignation: 20

Firms connected to Orwell Insurance Services

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

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Orwell Insurance Services

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

In Ipswich

PolicyBee LtdIpswichAuthorised Andrew Bough & Associates LimitedIpswichAuthorised Cas Insurance Services LtdIpswichAuthorised Castleacre Insurance Services LtdIpswichAuthorised Claims Settlement Agencies LimitedIpswichAuthorised Eastman Underwriting Agency LimitedIpswichAuthorised

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 Orwell Insurance Services

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

5 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 37 events in its history
2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Orwell Insurance Services Limited FCA authorised?

Yes, Orwell Insurance Services Limited (FRN 311566) 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 Orwell Insurance Services’ phone number and website?

The FCA register lists the phone number 01473 292800 and the website oisonline.co.uk for Orwell Insurance Services. If you were given different contact details, use these to check with the firm before going any further.

Is Orwell Insurance Services a scam or clone?

Orwell Insurance Services 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 Orwell Insurance Services?

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 Orwell Insurance Services to the Financial Ombudsman Service, free of charge.

Who owns Orwell Insurance Services?

Companies House lists one person with significant control of Orwell Insurance Services: Mr Richard Mark Andrews (75–100% of shares).

Who runs Orwell Insurance Services?

Companies House lists 6 directors of Orwell Insurance Services: Richard Mark Andrews, Amber Andrews, Debbie Andrews, Alisha Andrews, Leah Gerrard and Emma Licence.

How long has Orwell Insurance Services been in business?

The company was formed on 5 July 1999, and has held its current FCA authorisation since January 2005.

What do Orwell Insurance Services’ latest accounts show?

Its latest accounts, to 31 August 2025, show cash at bank of £1.51m (+115% from £703k).

Does Orwell Insurance Services use any other names?

It trades as Commercial and General Warranty, Landlord Plan, Property Shield, Staingard Furniture Care and The Property Underwriter. It has previously used 2 other names: Construction Shield and Libertas.