Preston Insurance Associates Ltd.

Reference number: 306784

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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 pia-insurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01506 534480 is
  • Who else gives the postcode EH54 7DE
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Other names (1)

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

  • PiA Commercial 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

  • May control money if settlement through a mandate.
    The general requirement not to hold or control CLIENT MONEY does not restrict the firm from controlling CLIENT MONEY if it arises from an agreement under which the firm effects settlement through a mandate or otherwise.
  • This firm may handle your money in passing but must not hold it, so payments should go to the product provider, never to a personal account.
  • May hold/control client money if rebated commission
    The general requirement not to hold or control CLIENT MONEY does not apply if the CLIENT MONEY arises from an agreement under which commission is rebated to the client.

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
SC163957
Company status
Active
Company type
Private limited company
Incorporated
7 March 1996 (30 years old)
Registered office
Suite 16 3 Meikle Road, Livingston, EH54 7DE, Scotland
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Stuart William Aitchison Director Jan 1966 7 Mar 1996 3 other companies
Stuart William Aitchison Secretary Not published 9 Sep 2013 –

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 companies
3
closed down
2
still active
1

In the full report: all 3 companies, 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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£29.2k

Down £239 from −£29.0k

Cash at bank

£187

Down £161 from £348

Employees (average)

1

Same as 1

Owed within a year

£29.7k

<1% from £29.7k

Net assets are negative: on its last balance sheet the company owed £29.2k more than it owned.

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 SC163957. 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

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

Key events (8) All events (17)

2016

6 April 2016

  • Stuart William Aitchison took control (75–100% of shares)

Companies House

14 March 2016

  • FCA imposed a requirement (May control but not hold client money)
  • FCA imposed a requirement (May control money if settlement through a mandate.)
  • FCA imposed a requirement (May hold/control client money if rebated commission)

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

1996

7 March 1996

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (8 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Preston Insurance Associates

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Preston Insurance Associates

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

In Livingston

Bridges Financial Services LimitedLivingstonAppointed representativeBuildstore Insurance Services LimitedLivingstonAppointed representativeBuildstore Mortgage Services LimitedLivingstonAppointed representativeEdinburgh Holidays LtdLivingstonAppointed representativeWest Lothian Chamber of Commerce LtdLivingstonAppointed 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 Preston Insurance Associates

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Preston Insurance Associates Ltd. FCA authorised?
Yes, Preston Insurance Associates Ltd. (FRN 306784) 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 3 limits on what it may do.
What is Preston Insurance Associates’ phone number and website?
The FCA register lists the phone number 01506 534480 and the website pia-insurance.co.uk for Preston Insurance Associates. If you were given different contact details, use these to check with the firm before going any further.
Is Preston Insurance Associates a scam or clone?
Preston Insurance Associates 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 Preston Insurance Associates?
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 Preston Insurance Associates to the Financial Ombudsman Service, free of charge.
Who owns Preston Insurance Associates?
Companies House lists one person with significant control of Preston Insurance Associates: Mr Stuart William Aitchison (75–100% of shares).
Who runs Preston Insurance Associates?
Companies House lists one director of Preston Insurance Associates: Stuart William Aitchison.
How long has Preston Insurance Associates been in business?
The company was formed on 7 March 1996, and has held its current FCA authorisation since January 2005.
What do Preston Insurance Associates’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£29.2k (down £239 from −£29.0k) and cash at bank of £187 (down £161 from £348).
Does Preston Insurance Associates use any other names?
It trades as PiA Commercial.

Sources and links

The full report on Preston Insurance Associates Ltd.

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