S A Carruthers, D A Schreiber & S A Taylor

Reference number: 401994

Instant download

Appointed representative

S A Carruthers, D A Schreiber & S A Taylor does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) Reference number: 117664 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.
  • S A Carruthers, D A Schreiber & S A Taylor (FRN 401994) is an AR of NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) (FRN 117664). When you use S A Carruthers, D A Schreiber & S A Taylor's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from S A Carruthers, D A Schreiber & S A Taylor, 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.

  • No website on the FCA register

  • Phone number

    0131 335 3633

  • Address

    NFU Mutual, The Old Farmhouse, Rural Centre, West Mains of Ingliston, Newbridge, Midlothian, EH28 8NZ, United Kingdom

In the full report: 2 background checks

  • What kind of line 0131 335 3633 is
  • Who else gives the postcode EH28 8NZ
Instant PDF download
Other names (16)

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

  • Biggar & Hortin Former name
  • I F McDiarmid Former name
  • I F McDiarmid & R L Hortin Former name
  • I F McDiarmid & S A Carruthers Former name
  • I F McDiarmid, S A Carruthers & R A Swinley Former name
  • J.R. Biggar Former name
  • S A Carruthers Former name
  • S A Carruthers & D A Schreiber Former name
  • S A Carruthers, D A Schreiber & M McBrearty Former name
  • S A Carruthers & D G Hamlin Former name
  • S A Carruthers, D G Hamlin & D A Schreiber Former name
  • S A Carruthers, D G Hamlin, D A Schreiber & M McBrearty Former name
  • S A Carruthers & L Blackwood Former name
  • S A Carruthers, L Blackwood & C J Horn Former name
  • S A Carruthers, L Blackwood & D G Hamlin Former name
  • S A Carruthers, L F Steele & C J Horn Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through National Farmers Union Mutual Insurance Society Limited (The), 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.

Key dates in its history

This firm’s history from the FCA register and Companies House, newest first.

2026

11 August 2026

  • Changed its registered name from "S A Carruthers & D A Schreiber"

FCA register

2024

28 June 2024

  • Changed its registered name from "S A Carruthers, D A Schreiber & M McBrearty"

FCA register

10 April 2024

  • Changed its registered name from "S A Carruthers, D G Hamlin, D A Schreiber & M McBrearty"

FCA register

22 March 2024

  • Changed its registered name from "S A Carruthers, D G Hamlin & D A Schreiber"

FCA register

2020

29 September 2020

  • Changed its registered name from "S A Carruthers & D G Hamlin"

FCA register

18 August 2020

  • Changed its registered name from "S A Carruthers, L Blackwood & D G Hamlin"
  • Stopped trading as "I F McDiarmid & R L Hortin"

FCA register

2012

27 February 2012

  • Changed its registered name from "S A Carruthers & L Blackwood"

FCA register

2011

1 September 2011

  • Changed its registered name from "S A Carruthers, L Blackwood & C J Horn"

FCA register

2010

6 July 2010

  • Changed its registered name from "S A Carruthers, L F Steele & C J Horn"

FCA register

8 June 2010

  • Changed its registered name from "S A Carruthers"

FCA register

3 February 2010

  • Changed its registered name from "I F McDiarmid & S A Carruthers"

FCA register

2009

2 October 2009

  • Changed its registered name from "I F McDiarmid, S A Carruthers & R A Swinley"

FCA register

27 February 2009

  • Changed its registered name from "I F McDiarmid"

FCA register

2008

3 September 2008

  • Changed its registered name from "I F McDiarmid & R L Hortin"

FCA register

2007

21 August 2007

  • Changed its registered name from "Biggar & Hortin"
  • Began trading as "I F McDiarmid & R L Hortin"

FCA register

2005

24 March 2005

  • Changed its registered name from "J.R. Biggar"

FCA register

14 January 2005

  • Became an appointed representative

FCA register

Director appointments and resignations, and trading names, appear under All events.

Similar firms

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

In the Edinburgh (EH) postcode area

Skyscanner LtdEdinburghAppointed representativeArnold Clark Insurance Services LimitedEdinburghAppointed representativeDun Eideann Property LimitedEdinburghAppointed representativeAdvantage Home Finance LtdEdinburghAppointed representativeAIW Mortgages LtdBroxburnAppointed representativeBridges Financial Services LimitedLivingstonAppointed 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 this firm

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

  • 2 background checks on its contact details
  • All 19 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is S A Carruthers, D A Schreiber & S A Taylor FCA authorised?
S A Carruthers, D A Schreiber & S A Taylor (FRN 401994) 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 S A Carruthers, D A Schreiber & S A Taylor?
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. S A Carruthers, D A Schreiber & S A Taylor (FRN 401994) is an AR of NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE) (FRN 117664). When you use S A Carruthers, D A Schreiber & S A Taylor's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from S A Carruthers, D A Schreiber & S A Taylor, 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 S A Carruthers, D A Schreiber & S A Taylor’s phone number?
The FCA register lists the phone number 0131 335 3633 for S A Carruthers, D A Schreiber & S A Taylor. If you were given different contact details, use these to check with the firm before going any further.
Is S A Carruthers, D A Schreiber & S A Taylor a scam or clone?
S A Carruthers, D A Schreiber & S A Taylor 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 S A Carruthers, D A Schreiber & S A Taylor?
Protection works through National Farmers Union Mutual Insurance Society Limited (The), the principal firm responsible for S A Carruthers, D A Schreiber & S A Taylor's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does S A Carruthers, D A Schreiber & S A Taylor use any other names?
It has previously used 16 other names, including Biggar & Hortin, I F McDiarmid and I F McDiarmid & R L Hortin.

Sources and links

The full report on S A Carruthers, D A Schreiber & S A Taylor

£19.99 · Instant PDF download

Loading secure checkout…