Pinnacle Insurance Limited

Reference number: 110866

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Authorised by the FCA

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

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 pinnaclepetuk.com first appeared online, and whether it can receive email
  • What kind of line 020 8207 9000 is
  • Who else gives the postcode WD6 1JH
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Other names (16)

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

  • Cardif Pinnacle Trading name
  • EVERYPAW Trading name
  • Helpucover Trading name
  • helpucover.co.uk Trading name
  • PIC Trading name
  • Pinnacle Trading name
  • Pinnacle Pet Healthcare Trading name
  • Pinnacle Pet UK Trading name
  • Vet2Pet Trading name
  • Pinnacle Insurance Company Limited Former name
  • Pinnacle Insurance Plc Former name
  • ApplianceGuard Former trading name
  • Cardif Pinnacle Warranty Services Former trading name
  • Dog Only Insurance Former trading name
  • LifeLong Pet Insurance Former trading name
  • Pinnacle Pet Group Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • 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.
  • 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 (10 permissions)
  • Accepting Deposits
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Carrying out contracts of insurance
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Making arrangements with a view to transactions in investments
  • Safeguarding and administration of assets (without arranging)

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
90
upheld, against a 31% median
18%
about insurance
90

A bigger firm gets more complaints simply because it has more customers.

Companies House record

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

Company number
01007798
Company status
Active
Company type
Private limited company
Incorporated
14 April 1971 (55 years old)
Registered office
4th Floor Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH, United Kingdom
Nature of business
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Miles Wigg Director Jun 1972 21 Mar 2013 19 other companies
Matthew Justin Lorimer Director Jun 1967 1 Apr 2015 5 other companies
Sophie Margaret May Director Sep 1972 10 Dec 2020 4 other companies
Craig Anthony Scarr Director Jun 1962 16 May 2022 21 other companies
Dirk Christiane Luc Beeckman Director Dec 1975 30 Jun 2022 None
Carmen Andreea Iordache Director Nov 1982 30 Jun 2022 1 other company
Thae Olav Cuiper Director Jan 1958 19 Jun 2024 None
Sanchit Suri Director Aug 1979 18 Dec 2024 18 other companies
Simon Wainwright Director Apr 1963 24 Mar 2025 14 other companies
Matthew Justin Lorimer Secretary Not published 30 Jun 2006 –

Other companies run by these 9 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
69
closed down
23
are FCA-registered
20

In the full report: all 69 companies, named

  • What each company does, and whether it is still trading
  • Which of these 9 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 20 on the FCA register
  • The 5 companies these 9 directors run together
  • All 45 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (11) All events (99)

2025

11 April 2025

  • Changed its registered name from "Pinnacle Insurance Plc"

FCA register

2022

30 June 2022

  • Cardif Insurance Holdings PLC stopped being a part-owner
  • Pinnacle Pet Group Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Cardif Insurance Holdings PLC became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1993

31 May 1993

  • Changed its registered name from "Pinnacle Insurance Company Limited"

FCA register

1971

14 April 1971

  • Incorporated at Companies House

Companies House

1901

1 January 1901

  • Supervised by HM Treasury under the money laundering rules from this date

FCA register

In the full report: all 99 events

  • All 99 events in its history (11 shown here)
  • Every director appointment and resignation: 64
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Firms connected to Pinnacle Insurance

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

connected firms
7
share a director
7
share its postcode
2

In the full report: all 7 connected firms, named

  • How each is linked: shared directors (7), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 5 past links through former directors
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Firms like Pinnacle Insurance

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

In the Watford (WD) postcode area

Compagnie Francaise d'Assurance pour le Commerce ExterieurWatfordAuthorisedLife Insurance Corporation of IndiaWatfordAuthorised

Elsewhere in the UK

Chubb European Group SELondonAuthorisedRAC Insurance LimitedWalsallAuthorisedGreat Lakes Insurance UK LimitedLondonAuthorisedAviva Insurance LimitedNorwichAuthorised

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 Pinnacle Insurance

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

  • 69 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 99 events in its history
  • 7 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Pinnacle Insurance Limited FCA authorised?
Yes, Pinnacle Insurance Limited (FRN 110866) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as an insurer. The FCA has placed no limits on its permissions.
What is Pinnacle Insurance’s phone number and website?
The FCA register lists the phone number 020 8207 9000 and the website pinnaclepetuk.com for Pinnacle Insurance. If you were given different contact details, use these to check with the firm before going any further.
Is Pinnacle Insurance a scam or clone?
Pinnacle Insurance 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 Pinnacle Insurance?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Pinnacle Insurance to the Financial Ombudsman Service, free of charge.
Who owns Pinnacle Insurance?
Pinnacle Insurance is owned by Pinnacle Pet Group Limited, which holds 75–100% of shares and 75–100% of votes, since 30 June 2022. Before that, it was controlled by Cardif Insurance Holdings PLC.
Who runs Pinnacle Insurance?
Companies House lists 9 directors of Pinnacle Insurance: Andrew Miles Wigg, Matthew Justin Lorimer, Sophie Margaret May, Craig Anthony Scarr, Dirk Christiane Luc Beeckman, Carmen Andreea Iordache and 3 more.
How long has Pinnacle Insurance been in business?
The company was formed on 14 April 1971, and has held its current FCA authorisation since December 2001.
How many complaints does Pinnacle Insurance get?
In January–June 2025, the Financial Ombudsman Service received 90 new complaints about Pinnacle Insurance, and upheld 18% of those it decided.
Does Pinnacle Insurance use any other names?
It trades as Cardif Pinnacle, EVERYPAW, Helpucover, helpucover.co.uk and PIC, and 4 more names. It has previously used 7 other names, including Pinnacle Insurance Company Limited, Pinnacle Insurance Plc and ApplianceGuard.

Sources and links

The full report on Pinnacle Insurance Limited

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