Oyster Estates UK Ltd

Reference number: 527921

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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

KIN Insurance Brokers Limited Reference number: 300412 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.
  • Oyster Estates UK Ltd (FRN 527921) is an AR of KIN Insurance Brokers Limited (FRN 300412). When you use Oyster Estates UK's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Oyster Estates UK, 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

  • When oysterestates.co.uk first appeared online, and whether it can receive email
  • What kind of line 01243 586939 is
  • Who else gives the postcode PO22 8NJ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through KIN Insurance Brokers 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.

Firms like Oyster Estates UK

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

In Bognor Regis

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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 Oyster Estates UK

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

  • 3 background checks on its contact details

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Frequently asked questions about this firm

Is Oyster Estates UK Ltd FCA authorised?
Oyster Estates UK Ltd (FRN 527921) 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 Oyster Estates UK?
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. Oyster Estates UK Ltd (FRN 527921) is an AR of KIN Insurance Brokers Limited (FRN 300412). When you use Oyster Estates UK's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Oyster Estates UK, 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 Oyster Estates UK’s phone number and website?
The FCA register lists the phone number 01243 586939 and the website oysterestates.co.uk for Oyster Estates UK. If you were given different contact details, use these to check with the firm before going any further.
Is Oyster Estates UK a scam or clone?
Oyster Estates UK 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 Oyster Estates UK?
Protection works through KIN Insurance Brokers Limited, the principal firm responsible for Oyster Estates UK's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Sources and links

The full report on Oyster Estates UK Ltd

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