Premium Choice Limited

Reference number: 312245

Instant download

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 premiumchoice.co.uk first appeared online, and whether it can receive email
  • What kind of line 0121 725 7212 is
  • Who else gives the postcode WV9 5AP
Instant PDF download
Other names (16)

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

  • a choice Trading name
  • a choice Learner Trading name
  • aura Trading name
  • Cyclists Choice Trading name
  • Home Choice Trading name
  • Riders Choice Trading name
  • Students Choice Trading name
  • Talisman Trading name
  • Van Insurance Direct Trading name
  • B46 Commercial Former trading name
  • businesssure Former trading name
  • Cherished Vehicle Insurance Former trading name
  • La Femme Former trading name
  • ONE Pro Insurance Solutions Former trading name
  • Performance Choice Former trading name
  • Roadsure Former trading name

FCA permissions and consumer protection

  • 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.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (7 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Cease trade claims manager/opt out basis
    Schedule 1. This schedule sets out the terms of a requirement to be imposed on Premium Choice pursuant to Section 55L (5) (a) of the Act with immediate effect: 2. The requirement is that Premium Choice must: i. Stop selling the Claims Manager product. ii. Stop selling any products on an opt-out basis . 3. For the avoidance of doubt: i. Claims Manager means a product currently sold for £30 per annum which provides customers with legal representation, recovery of motor insurance excess, motor insurance claims assistance and a guaranteed hire car in the event of a non-fault accident. ii. Opt-out basis means that the customer has to actively request that the product not be included in the sale to the customer.

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
03845329
Company status
Active
Company type
Private limited company
Incorporated
21 September 1999 (27 years old)
Registered office
Pendeford House, Pendeford Business Park, Overstrand, Wolverhampton, WV9 5AP, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Michael John Dornan Director Aug 1964 21 Sep 1999 5 other companies
Mark Woods Director May 1968 21 Sep 1999 7 other companies

Other companies run by these 2 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
7
closed down
1
run together
5

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 companies these 2 directors run together
  • All 7 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Turnover

£8.52m

+3.6% from £8.23m

Profit before tax

£108k

+373% from £22.9k

Net assets

£4.38m

+1.1% from £4.33m

Cash at bank

£522k

−9.7% from £578k

Turnover and profit

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • Both charts, over every year
  • Every filed figure, year by year
Instant PDF download
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 03845329. 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

Premium Choice’s history from the FCA register and Companies House, newest first.

Key events (6) All events (49)

2016

1 July 2016

  • Mers Ins Limited took control (75–100% of shares)

Companies House · FCA register

2014

27 November 2014

  • FCA imposed a requirement (Cease trade claims manager/opt out basis)

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

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

FCA register

1999

21 September 1999

  • Incorporated at Companies House

Companies House

In the full report: all 49 events

  • All 49 events in its history (6 shown here)
  • Every director appointment and resignation: 10
Instant PDF download

Firms like Premium Choice

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

In Wolverhampton

A.D.F. Insurance Brokers LimitedWolverhamptonAuthorisedAlexander-Head & Co LtdWolverhamptonAuthorisedAnnan Insurance Services LimitedWolverhamptonAuthorisedBerkeley Applegate Webb & Co. (Midlands)limitedWolverhamptonAuthorisedHeritage Insurance Brokers (Wton) LimitedWolverhamptonAuthorisedHipkiss & Co (Insurance Brokers) LimitedWolverhamptonAuthorised

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 Premium Choice

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 49 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Premium Choice Limited FCA authorised?
Yes, Premium Choice Limited (FRN 312245) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is Premium Choice’s phone number and website?
The FCA register lists the phone number 0121 725 7212 and the website premiumchoice.co.uk for Premium Choice. If you were given different contact details, use these to check with the firm before going any further.
Is Premium Choice a scam or clone?
Premium Choice 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 Premium Choice?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Premium Choice to the Financial Ombudsman Service, free of charge.
Who owns Premium Choice?
Premium Choice is owned by Mers Ins Limited, which holds 75–100% of shares and held through a firm, since 1 July 2016.
Who runs Premium Choice?
Companies House lists 2 directors of Premium Choice: Richard Michael John Dornan and Mark Woods.
How long has Premium Choice been in business?
The company was formed on 21 September 1999, and has held its current FCA authorisation since January 2005.
What do Premium Choice’s latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £8.52m (+3.6% from £8.23m) and profit before tax of £108k (+373% from £22.9k).
Does Premium Choice use any other names?
It trades as a choice, a choice Learner, aura, Cyclists Choice and Home Choice, and 4 more names. It has previously used 7 other names, including B46 Commercial, businesssure and Cherished Vehicle Insurance.

Sources and links

The full report on Premium Choice Limited

£19.99 · Instant PDF download

Loading secure checkout…