Our Travel Insurance Ltd
Reference number: 585610
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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 14 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 31 December 2024
Responsible principal firm
PARK PLACE INSURANCE SERVICES LIMITED Reference number: 306013 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.
- Our Travel Insurance Ltd (FRN 585610) is an AR of PARK PLACE INSURANCE SERVICES LIMITED (FRN 306013). When you use Our Travel Insurance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Our Travel Insurance, 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
57 High St, Kirkcaldy, Fife, KY1 1LL, United Kingdom
In the full report: 3 background checks
- When ourtravelinsurance.co.uk first appeared online, and whether it can receive email
- What kind of line 0844 487 1876 is
- Who else gives the postcode KY1 1LL
Other names (1)
If you were contacted under any of these names, it is this firm.
- Our Travel, Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Park Place Insurance Services 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, 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 name
- OUR TRAVEL INSURANCE LIMITED
- Company number
- SC394090 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 23 February 2011 (15 years old)
- Registered office
- 43a High Street, Kirkcaldy, Fife, KY1 1LL, Scotland
- Nature of business
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- Non-life insurance (SIC 65120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| David James Nicholson | Director | Jun 1962 | 23 Feb 2011 | 21 other companies |
| Graeme Andrew Telford Clarkson | Director | May 1953 | 1 Jun 2012 | 8 other companies |
| Kareen Anderson | Director | Aug 1974 | 29 Apr 2021 | 1 other company |
| Graeme Andrew Telford Clarkson | Secretary | Not published | 1 Jun 2012 | – |
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
- 28
- closed down
- 14
- are FCA-registered
- 3
In the full report: all 28 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 3 on the FCA register
- The 2 companies these 3 directors run together
Filed accounts and finances
Net assets
£32.5k
+62% from £20.0k
Cash at bank
£17.3k
+168% from £6,444
Employees (average)
0
Same as 0
Owed within a year
£94.3k
+79% from £52.6k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2024
- 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 SC394090. 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
Our Travel Insurance’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- David James Nicholson became the majority owner (50–75% of shares)
Companies House
2012
1 August 2012
- Became an appointed representative
FCA register
2011
23 February 2011
- Incorporated at Companies House
Companies House
In the full report: all 7 events
- All 7 events in its history (3 shown here)
- Every director appointment and resignation: 3
Firms connected to Our Travel Insurance
Other FCA-listed firms that share a director, phone number or address with Our Travel Insurance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
- share its postcode
- 2
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Our Travel Insurance
Other firms of the same type (insurance broker), nearest first.
In Kirkcaldy
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 Our Travel Insurance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 28 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 7 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who owns Our Travel Insurance?
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How long has Our Travel Insurance been in business?
What do Our Travel Insurance’s latest accounts show?
Does Our Travel Insurance use any other names?
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