PJM Insurance Consultants Ltd

Reference number: 513570

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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

Aon UK Limited Reference number: 310451 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.
  • PJM Insurance Consultants Ltd (FRN 513570) is an AR of Aon UK Limited (FRN 310451). When you use PJM Insurance Consultants's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PJM Insurance Consultants, 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

    07976 194518

  • Address

    Lothlorien, Park View Road, Woldingham, Caterham, Surrey, CR3 7DH, United Kingdom

In the full report: 2 background checks

  • What kind of line 07976 194518 is
  • Who else gives the postcode CR3 7DH
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Aon UK 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 name
PJM INSURANCE CONSULTANTS LIMITED
Company number
07028821
Company status
Active
Company type
Private limited company
Incorporated
24 September 2009 (17 years old)
Registered office
Lothlorien Park View Road, Woldingham, Caterham, Surrey, CR3 7DH, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip John Mccoy Director Mar 1980 24 Sep 2009 1 other company
Sarah Georgina Mccoy Secretary Not published 24 Sep 2009 –

Other companies run by its director

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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£27.1k

−75% from £108k

Employees (average)

5

+25% from 4

Owed within a year

£36.3k

+29% from £28.1k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 07028821. 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

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

2022

24 September 2022

  • Sarah Georgina McCoy became a part-owner (25–50% of shares)

Companies House

2016

30 April 2016

  • Philip John McCoy became a part-owner (25–50% of shares)

Companies House

2009

30 November 2009

  • Became an appointed representative

FCA register

24 September 2009

  • Incorporated at Companies House
  • Philip John McCoy appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like PJM Insurance Consultants

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

In Caterham

Shop & Display Equipment AssociationCaterhamAppointed representativeSpecialist Consultancy LimitedCaterhamAppointed representativeFenchurch Insurance Brokers LimitedCaterhamAuthorisedGenistar LimitedCaterhamAuthorised

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 PJM Insurance Consultants

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is PJM Insurance Consultants Ltd FCA authorised?
PJM Insurance Consultants Ltd (FRN 513570) 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 PJM Insurance Consultants?
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. PJM Insurance Consultants Ltd (FRN 513570) is an AR of Aon UK Limited (FRN 310451). When you use PJM Insurance Consultants's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from PJM Insurance Consultants, 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 PJM Insurance Consultants’ phone number?
The FCA register lists the phone number 07976 194518 for PJM Insurance Consultants. If you were given different contact details, use these to check with the firm before going any further.
Is PJM Insurance Consultants a scam or clone?
PJM Insurance Consultants 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 PJM Insurance Consultants?
Protection works through Aon UK Limited, the principal firm responsible for PJM Insurance Consultants's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns PJM Insurance Consultants?
Companies House lists 2 people with significant control of PJM Insurance Consultants: Mrs Sarah Georgina McCoy (25–50% of shares) and Mr Philip John McCoy (25–50% of shares).
Who runs PJM Insurance Consultants?
Companies House lists one director of PJM Insurance Consultants: Philip John McCoy.
How long has PJM Insurance Consultants been in business?
The company was formed on 24 September 2009.
What do PJM Insurance Consultants’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £27.1k (−75% from £108k).

Sources and links

The full report on PJM Insurance Consultants Ltd

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