PH Innovate (New Inn) Limited: FCA regulated?

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 under a year
Protected through the principal
No FCA actions
Active company since 2026

Responsible principal firm

Next Risk Solutions Limited Reference number: 705135 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.
PH Innovate (New Inn) Limited (FRN 1051123) is an AR of Next Risk Solutions Limited (FRN 705135). When you use PH Innovate (New Inn)'s services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from PH Innovate (New Inn), 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.

No website on the FCA register
Phone number

01495 362840
Address

Top Floor Cwmbran House, Mamhilad Park Estate, New Inn, Pontypool, NP4 0HZ, United Kingdom

In the full report: 2 background checks

What kind of line 01495 362840 is, and the other firm that gives it
Who else gives the postcode NP4 0HZ

Other names (2)

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

Three Castles Cover Trading name: A name it trades under now.
Threecastlescover.com Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Next Risk Solutions 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 16989928 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 January 2026 (less than a year old)
Registered office: Top Floor Cwmbran House, Mamhilad Park Estate, New Inn, Pontypool, NP4 0HZ, United Kingdom
Nature of business: Non-life insurance (SIC 65120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Craig Anthony Dunckley	Director	Nov 1981	27 Jan 2026	None
David George Harlow	Director	Jan 1970	27 Jan 2026	9 other companies
Gareth William Evans	Director	Jul 1985	20 Mar 2026	2 other companies

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: 10
closed down: 4
are FCA-registered: 2

In the full report: all 10 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

Key dates in its history

PH Innovate (New Inn)’s history from the FCA register and Companies House, newest first.

Key events (3) All events (8)

2026

6 April 2026

Became an appointed representative

FCA register

27 January 2026

Incorporated at Companies House
Ph Innovate Group took control (75–100% of shares)

Companies House

In the full report: all 8 events

All 8 events in its history (3 shown here)
Every director appointment and resignation: 3

Firms connected to PH Innovate (New Inn)

Other FCA-listed firms that share a director, phone number or address with PH Innovate (New Inn). A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 2
share a director: 1
share its phone number: 1

In the full report: all 2 connected firms, named

How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like PH Innovate (New Inn)

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

In Pontypool

Quotethemarket.co.uk LimitedPontypoolAppointed representative Next Risk Solutions LimitedPontypoolAuthorised

In the Newport (NP) postcode area

Williams Medical Supplies LimitedRhymneyAppointed representative Amber Shield Finance LtdNewportAppointed representative Ample Mortgages LimitedAppointed representative Brian Clark & CoChepstowAppointed representative

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 PH Innovate (New Inn)

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

10 other companies its directors have run, named
2 background checks on its contact details
All 8 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is PH Innovate (New Inn) Limited FCA authorised?

PH Innovate (New Inn) Limited (FRN 1051123) 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 PH Innovate (New Inn)?

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. PH Innovate (New Inn) Limited (FRN 1051123) is an AR of Next Risk Solutions Limited (FRN 705135). When you use PH Innovate (New Inn)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from PH Innovate (New Inn), 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 PH Innovate (New Inn)’s phone number?

The FCA register lists the phone number 01495 362840 for PH Innovate (New Inn). If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is PH Innovate (New Inn) a scam or clone?

PH Innovate (New Inn) 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 PH Innovate (New Inn)?

Protection works through Next Risk Solutions Limited, the principal firm responsible for PH Innovate (New Inn)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns PH Innovate (New Inn)?

PH Innovate (New Inn) is owned by Ph Innovate Group, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 27 January 2026.

Who runs PH Innovate (New Inn)?

Companies House lists 3 directors of PH Innovate (New Inn): Craig Anthony Dunckley, David George Harlow and Gareth William Evans.

How long has PH Innovate (New Inn) been in business?

The company was formed on 27 January 2026.

Does PH Innovate (New Inn) use any other names?

It trades as Three Castles Cover and Threecastlescover.com.