Raw Insurance Brokers Ltd.: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 2 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018
Accounts filed up to 31 January 2026

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

rawinsurance.co.uk (opens in a new tab)
Phone number

01228 586231
Address

Unit I, Baron Way, Carlisle, Cumbria, CA6 4SJ, United Kingdom

In the full report: 3 background checks

When rawinsurance.co.uk first appeared online, and whether it can receive email
What kind of line 01228 586231 is, and the other firm that gives it
Who else gives the postcode CA6 4SJ

Other names (3)

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

Proof Trading name: A name it trades under now.
RAW Trading name: A name it trades under now.
Sanus Former trading name: A name it used to trade under.

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 (6 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
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: 11167592 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 24 January 2018 (8 years old)
Registered office: Unit I Baron Way, Kingmoor Business Park, Carlisle, CA6 4SJ, England
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ryan James Roberts	Director	Mar 1985	24 Jan 2018	2 other companies
Stephen Francis Ward	Director	May 1984	24 Jan 2018	3 other companies
James William Mccaffrey	Director	Aug 1962	6 Mar 2026	17 other companies

Other companies run by these 3 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: 21
closed down: 3
are FCA-registered: 6

In the full report: all 21 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 6 on the FCA register
The 1 company these 3 directors run together

Filed accounts and finances

Year to 31 January 2026Small company accountsNot audited

Net assets

£32.7k

−76% from £138k

Cash at bank

£65.1k

No earlier figure to compare

Employees (average)

12

+20% from 10

Owed within a year

£220k

+30% from £170k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11167592. 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

Raw Insurance Brokers’s history from the FCA register and Companies House, newest first.

Key events (5) All events (14)

2024

5 August 2024

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

FCA register

2018

24 January 2018

Incorporated at Companies House
Ryan James Roberts became a part-owner (25–50% of shares)
Stephen Francis Ward became a part-owner (25–50% of shares)

Companies House

In the full report: all 14 events

All 14 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms connected to Raw Insurance Brokers

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

connected firms: 6
share a director: 5
share its phone number: 1

In the full report: all 6 connected firms, named

How each is linked: shared directors (5), the same phone number (1)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like Raw Insurance Brokers

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

In Carlisle

H & H Insurance Brokers LimitedCarlisleAuthorised J & V Risk Solutions LtdCarlisleAuthorised I Mandle, G Davies, G R Holliday & N E Wilkinson BuckleCarlisleAppointed representative Cumbria Chamber of Commerce & IndustryCarlisleAppointed representative The Institute for Outdoor LearningCarlisleAppointed representative Lloyd Motors LimitedCarlisleAuthorised

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 Raw Insurance Brokers

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

21 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 14 events in its history
6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Raw Insurance Brokers Ltd. FCA authorised?

Yes, Raw Insurance Brokers Ltd. (FRN 1010405) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2024 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Raw Insurance Brokers’ phone number and website?

The FCA register lists the phone number 01228 586231 and the website rawinsurance.co.uk for Raw Insurance Brokers. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Raw Insurance Brokers a scam or clone?

Raw Insurance Brokers 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 Raw Insurance Brokers?

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 Raw Insurance Brokers to the Financial Ombudsman Service, free of charge.

Who owns Raw Insurance Brokers?

Companies House lists 2 people with significant control of Raw Insurance Brokers: Mr Stephen Francis Ward (25–50% of shares) and Mr Ryan James Roberts (25–50% of shares).

Who runs Raw Insurance Brokers?

Companies House lists 3 directors of Raw Insurance Brokers: Ryan James Roberts, Stephen Francis Ward and James William McCaffrey.

How long has Raw Insurance Brokers been in business?

The company was formed on 24 January 2018, and has held its current FCA authorisation since August 2024.

What do Raw Insurance Brokers’ latest accounts show?

Its latest accounts, to 31 January 2026, show net assets of £32.7k (−76% from £138k) and cash at bank of £65.1k (no earlier figure to compare).

Does Raw Insurance Brokers use any other names?

It trades as Proof and RAW. It has previously used the name Sanus.