Policy Powerhouse 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 5 years
Protected through the principal
No FCA actions
Active company since 2020
Accounts filed up to 31 May 2025

Responsible principal firm

Innovative Risk Labs Ltd Reference number: 609155 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.
Policy Powerhouse Limited (FRN 946345) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Policy Powerhouse's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Policy Powerhouse, 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.

Website

policypowerhouse.com (opens in a new tab)
Phone number

0333 772 7453
Address

The Granary, Hermitage Court, Hermitage Lane, Maidstone, Kent, ME16 9NT, United Kingdom

In the full report: 3 background checks

When policypowerhouse.com first appeared online, and whether it can receive email
What kind of line 0333 772 7453 is
Who else gives the postcode ME16 9NT

Other names (2)

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

Cancel Cover Trading name: A name it trades under now.
Holiday Lets Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Innovative Risk Labs Ltd, 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: 13071685 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 December 2020 (5 years old)
Registered office: The Granary Hermitage Court, Hermitage Lane, Maidstone, Kent, ME16 9NT, United Kingdom
Nature of business: Business and domestic software development (SIC 62012)
Other information technology service activities (SIC 62090)
Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
John Brian Bibby	Director	Nov 1961	9 Dec 2020	16 other companies
Steven Geoffrey Dixon	Director	Dec 1960	9 Dec 2020	1 other company
Ashley Keith Smith	Director	Aug 1976	29 Sep 2021	6 other companies
Dominic David Bird	Director	Jul 1983	10 Sep 2026	8 other companies
Andrew Mark Blowers	Director	Nov 1960	10 Sep 2026	24 other companies

Other companies run by these 5 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: 49
closed down: 16
went insolvent: 1

In the full report: all 49 companies, named

What each company does, and whether it is still trading
Which of these 5 directors sit on each board, and since when
The one that went into liquidation or administration
The 3 on the FCA register
The 4 companies these 5 directors run together

Filed accounts and finances

Year to 31 May 2025Full accountsNot audited

Net assets

£28.7k

No earlier figure to compare

Cash at bank

£27.3k

+185% from £9,593

Owed within a year

£13.7k

+1.4% from £13.6k

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2022 to 2025
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.

Accounts filed at Companies House for company 13071685. 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

Policy Powerhouse’s history from the FCA register and Companies House, newest first.

Key events (4) All events (12)

2021

5 March 2021

Became an appointed representative

FCA register

2020

9 December 2020

Incorporated at Companies House
John Brian Bibby became a part-owner (25–50% of shares)
Steven Geoffrey Dixon became a part-owner (25–50% of shares)

Companies House

In the full report: all 12 events

All 12 events in its history (4 shown here)
Every director appointment and resignation: 5

Firms connected to Policy Powerhouse

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

connected firms: 3
share its postcode: 3
past links: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates
3 past links through former directors

Firms like Policy Powerhouse

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

In Maidstone

Barons Autostar LimitedMaidstoneAppointed representative Beadles Coulsdon LtdMaidstoneAppointed representative Beadles Dartford LtdMaidstoneAppointed representative Beadles Maidstone LtdMaidstoneAppointed representative Beadles Medway LtdMaidstoneAppointed representative Beadles Sidcup LtdMaidstoneAppointed 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 Policy Powerhouse

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

49 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 12 events in its history
3 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Policy Powerhouse Limited FCA authorised?

Policy Powerhouse Limited (FRN 946345) 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 Policy Powerhouse?

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. Policy Powerhouse Limited (FRN 946345) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Policy Powerhouse's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Policy Powerhouse, 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 Policy Powerhouse’s phone number and website?

The FCA register lists the phone number 0333 772 7453 and the website policypowerhouse.com for Policy Powerhouse. If you were given different contact details, use these to check with the firm before going any further.

Is Policy Powerhouse a scam or clone?

Policy Powerhouse 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 Policy Powerhouse?

Protection works through Innovative Risk Labs Ltd, the principal firm responsible for Policy Powerhouse's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Policy Powerhouse?

Companies House lists 2 people with significant control of Policy Powerhouse: Mr John Brian Bibby (25–50% of shares) and Mr Steven Geoffrey Dixon (25–50% of shares).

Who runs Policy Powerhouse?

Companies House lists 5 directors of Policy Powerhouse: John Brian Bibby, Steven Geoffrey Dixon, Ashley Keith Smith, Dominic David Bird and Andrew Mark Blowers.

How long has Policy Powerhouse been in business?

The company was formed on 9 December 2020.

What do Policy Powerhouse’s latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £28.7k (no earlier figure to compare) and cash at bank of £27.3k (+185% from £9,593).

Does Policy Powerhouse use any other names?

It trades as Cancel Cover and Holiday Lets.