Private Health Insurance Services Ltd

Reference number: 498769

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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

WPA Healthcare Practice Plc Reference number: 757721 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.
  • Private Health Insurance Services Ltd (FRN 498769) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use Private Health Insurance Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Private Health Insurance Services, 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.

In the full report: 3 background checks

  • When wpa.org.uk first appeared online, and whether it can receive email
  • What kind of line 07780 505323 is
  • Who else gives the postcode BT19 6AN
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Other names (2)

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

  • Michael Dow Former name
  • Private Health Insurance NI Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through WPA Healthcare Practice PLC, 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
NI072414
Company status
Active
Company type
Private limited company
Incorporated
22 April 2009 (17 years old)
Registered office
10 Greenridge Park, Bangor, Co Down, BT20 6AN, Northern Ireland
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Dow Director Dec 1963 22 Apr 2009 None
Katherine Dow Director May 1969 28 Mar 2024 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 April 2018Micro-entity accountsNot audited

Total equity

£17.4k

No earlier figure to compare

Owed within a year

£6,734

No earlier figure to compare

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 NI072414. 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

Private Health Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2017

18 October 2017

  • Changed its registered name from "Private Health Insurance NI Ltd"

FCA register

2016

6 April 2016

  • Michael Dow took control (75–100% of shares)

Companies House

2009

15 July 2009

  • Changed its registered name from "Michael Dow"

FCA register

22 April 2009

  • Incorporated at Companies House

Companies House

2 April 2009

  • Became an appointed representative

FCA register

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms like Private Health Insurance Services

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

In Bangor

Healthcare Insurance (NI) LtdBangorAppointed representativeJWH LtdBangorAppointed representativeWesthorpe Management LtdBangorAppointed representativeJ Hatty & CoBangorAuthorisedBallyrobert Service Station LimitedBangorAuthorised

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 Private Health Insurance Services

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 9 events in its history

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Frequently asked questions about this firm

Is Private Health Insurance Services Ltd FCA authorised?
Private Health Insurance Services Ltd (FRN 498769) 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 Private Health Insurance Services?
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. Private Health Insurance Services Ltd (FRN 498769) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use Private Health Insurance Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Private Health Insurance Services, 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 Private Health Insurance Services’ phone number and website?
The FCA register lists the phone number 07780 505323 and the website wpa.org.uk/michaeldow for Private Health Insurance Services. If you were given different contact details, use these to check with the firm before going any further.
Is Private Health Insurance Services a scam or clone?
Private Health Insurance Services 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 Private Health Insurance Services?
Protection works through WPA Healthcare Practice PLC, the principal firm responsible for Private Health Insurance Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Private Health Insurance Services?
Companies House lists one person with significant control of Private Health Insurance Services: Mr Michael Dow (75–100% of shares).
Who runs Private Health Insurance Services?
Companies House lists 2 directors of Private Health Insurance Services: Michael Dow and Katherine Dow.
How long has Private Health Insurance Services been in business?
The company was formed on 22 April 2009.
What do Private Health Insurance Services’ latest accounts show?
Its latest accounts, to 30 April 2018, show total equity of £17.4k (no earlier figure to compare).
Does Private Health Insurance Services use any other names?
It has previously used 2 other names: Michael Dow and Private Health Insurance NI Ltd.

Sources and links

The full report on Private Health Insurance Services Ltd

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