Quote Four Ltd

Reference number: 649187

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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 quotefour.co.uk first appeared online, and whether it can receive email
  • What kind of line 01362 698192 is
  • Who else gives the postcode NR19 1DR
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Other names (1)

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

  • Quote Four Insurance Brokers 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)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Administration
  • Making arrangements with a view to transactions in investments

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
08882472
Company status
Active
Company type
Private limited company
Incorporated
7 February 2014 (12 years old)
Registered office
36 High Street, Dereham, NR19 1DR, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
John Murray-Smith Director Jul 1959 7 Feb 2014 2 other companies
Jamie Smith Director Oct 1985 7 Feb 2014 None
John Murray-Smith Secretary Not published 7 Feb 2014 –

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
2
closed down
2

In the full report: all 2 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
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£38.4k

−5.8% from £40.7k

Employees (average)

5

Same as 5

Owed within a year

£74.1k

+263% from £20.4k

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 08882472. 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

Quote Four’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2025

17 July 2025

  • Howard Louis Cramer stopped being a part-owner

Companies House

2022

4 July 2022

  • Howard Louis Cramer became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Jamie Smith gained significant control
  • John Murray-Smith gained significant control

Companies House

2015

4 February 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2014

7 February 2014

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms like Quote Four

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

In Dereham

Anglian Health LtdDerehamAppointed representativeRebecca HowardDerehamAppointed representativeCencias LimitedDerehamAppointed representativeFenland District Brokers LimitedDerehamAppointed representativeRight First Time Financial Services LtdDerehamAppointed representativeSirelark Group LtdDerehamAppointed 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 Quote Four

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Quote Four Ltd FCA authorised?
Yes, Quote Four Ltd (FRN 649187) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2015 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Quote Four’s phone number and website?
The FCA register lists the phone number 01362 698192 and the website quotefour.co.uk for Quote Four. If you were given different contact details, use these to check with the firm before going any further.
Is Quote Four a scam or clone?
Quote Four 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 Quote Four?
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 Quote Four to the Financial Ombudsman Service, free of charge.
Who owns Quote Four?
Companies House lists 2 people with significant control of Quote Four: Mr John Murray-Smith (significant influence or control) and Mr Jamie Smith (significant influence or control). Before that, it was controlled by Mr Howard Louis Cramer.
Who runs Quote Four?
Companies House lists 2 directors of Quote Four: John Murray-Smith and Jamie Smith.
How long has Quote Four been in business?
The company was formed on 7 February 2014, and has held its current FCA authorisation since February 2015.
What do Quote Four’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £38.4k (−5.8% from £40.7k).
Does Quote Four use any other names?
It trades as Quote Four Insurance Brokers.

Sources and links

The full report on Quote Four Ltd

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