Save on Life.co.uk
Reference number: 570787
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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.
- Appointed for 14 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 30 November 2025
Responsible principal firm
LIFETIME PROTECTION SERVICES LIMITED Reference number: 535386 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.
- Save on Life.co.uk (FRN 570787) is an AR of LIFETIME PROTECTION SERVICES LIMITED (FRN 535386). When you use Save on Life.co.uk's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Save on Life.co.uk, 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.
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Phone number
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Address
The E Centre, Cooperage Way, Alloa, Clackmannanshire, FK10 3LP, United Kingdom
In the full report: 3 background checks
- When saveonlife.co.uk first appeared online, and whether it can receive email
- What kind of line 0345 054 2706 is
- Who else gives the postcode FK10 3LP
Other names (5)
If you were contacted under any of these names, it is this firm.
- Celtic Compare Trading name: A name it trades under now.
- Saveonlife Trading name: A name it trades under now.
- SAVEONLIFE | HIBS Trading name: A name it trades under now.
- Rangers Protect Former trading name: A name it used to trade under.
- SAVEONLIFE | BIRMINGHAM CITY Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Lifetime Protection Services Limited, 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, freeYou 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 name
- SAVEONLIFE.CO.UK LIMITED
- Company number
- SC411609 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 November 2011 (14 years old)
- Registered office
- The E Centre, Cooperage Way Business Village, Alloa, FK10 3LP, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Kelley Marie Delany | Director | May 1981 | 18 Nov 2011 | 5 other companies |
| Martin Edward Delany | Director | Dec 1979 | 18 Nov 2011 | 4 other companies |
| Gary Joynes | Director | Jun 1975 | 24 Apr 2018 | 2 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
- 7
- closed down
- 5
- run together
- 4
In the full report: all 7 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 4 companies these 3 directors run together
Filed accounts and finances
Net assets
£143k
−27% from £197k
Cash at bank
£152k
−10% from £170k
Employees (average)
0
Same as 0
Owed within a year
£114k
+65% from £69.0k
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
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.
Accounts filed at Companies House for company SC411609. 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
Save on Life.co.uk’s history from the FCA register and Companies House, newest first.
2018
24 April 2018
- Gary Joynes became a part-owner (25–50% of shares)
Companies House
2016
1 July 2016
- Kelley Marie Delany became a part-owner (25–50% of shares)
- Martin Edward Delany became a part-owner (25–50% of shares)
Companies House
2011
9 December 2011
- Became an appointed representative
FCA register
18 November 2011
- Incorporated at Companies House
Companies House
In the full report: all 15 events
- All 15 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms connected to Save on Life.co.uk
Other FCA-listed firms that share a director, phone number or address with Save on Life.co.uk. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Save on Life.co.uk
Other firms of the same type (insurance broker), nearest first.
In Alloa
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 Save on Life.co.uk
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 15 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Save on Life.co.uk FCA authorised?
What does appointed representative mean for Save on Life.co.uk?
What is Save on Life.co.uk’s phone number and website?
Is Save on Life.co.uk a scam or clone?
Is my money safe with Save on Life.co.uk?
Who owns Save on Life.co.uk?
Who runs Save on Life.co.uk?
How long has Save on Life.co.uk been in business?
What do Save on Life.co.uk’s latest accounts show?
Does Save on Life.co.uk use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk