Soak Insure Ltd: FCA regulated?

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 3 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 January 2026

Responsible principal firm

McClarrons Limited Reference number: 307892 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.
Soak Insure Ltd (FRN 989446) is an AR of McClarrons Limited (FRN 307892). When you use Soak Insure's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Soak Insure, 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.

Website

soakinsure.com (opens in a new tab)
Phone number

07857 143100
Address

52 Winden Avenue, Chichester, West Sussex, PO19 7UZ, United Kingdom

In the full report: 3 background checks

When soakinsure.com first appeared online, and whether it can receive email
What kind of line 07857 143100 is
Who else gives the postcode PO19 7UZ

FCA permissions and consumer protection

Protection through the principal firm
Protection works through McClarrons 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, 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 name: SOAK INSURE LIMITED
Company number: 14433715 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 October 2022 (4 years old)
Registered office: Unit 1 Northside Business Park, York Road, Malton, North Yorkshire, YO17 6TB, United Kingdom
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Simon Christopher Tonks	Director	Mar 1973	20 Oct 2022	None
Garry Davies	Director	Oct 1989	7 Feb 2023	6 other companies
Sean Charles Mcclarron	Director	Aug 1966	7 Feb 2023	3 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: 9
closed down: 1
is FCA-registered: 1

In the full report: all 9 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 one on the FCA register

Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Total equity

£52.7k

+21% from £43.4k

Employees (average)

3

Same as 3

Owed within a year

£48.3k

+50% from £32.3k

Assets and liabilities

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 14433715. 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

Soak Insure’s history from the FCA register and Companies House, newest first.

Key events (5) All events (9)

2023

1 February 2023

Chadhurst Holdings Limited became a part-owner (25–50% of shares)
Greengage Holdings Ltd became a part-owner (25–50% of shares)

Companies House

4 January 2023

Became an appointed representative

FCA register

2022

20 October 2022

Incorporated at Companies House
Simon Christopher Tonks became a part-owner (25–50% of shares)

Companies House

In the full report: all 9 events

All 9 events in its history (5 shown here)
Every director appointment and resignation: 3

Firms connected to Soak Insure

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like Soak Insure

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

In Chichester

Polycare LimitedChichesterAppointed representative Henry Adams Lettings LtdChichesterAppointed representative Scotts Holiday Village LtdChichesterAppointed representative The Air Travel Consultancy LimitedChichesterAppointed representative The Well Led Provider LtdChichesterAppointed representative The Classic Valuer LimitedChichesterAppointed 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 Soak Insure

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

9 other companies 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 Soak Insure Ltd FCA authorised?

Soak Insure Ltd (FRN 989446) 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 Soak Insure?

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. Soak Insure Ltd (FRN 989446) is an AR of McClarrons Limited (FRN 307892). When you use Soak Insure's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Soak Insure, 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 Soak Insure’s phone number and website?

The FCA register lists the phone number 07857 143100 and the website soakinsure.com for Soak Insure. If you were given different contact details, use these to check with the firm before going any further.

Is Soak Insure a scam or clone?

Soak Insure 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 Soak Insure?

Protection works through McClarrons Limited, the principal firm responsible for Soak Insure's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Soak Insure?

Companies House lists 3 people with significant control of Soak Insure: Mr Simon Christopher Tonks (25–50% of shares), Chadhurst Holdings Limited (25–50% of shares) and Greengage Holdings Ltd (25–50% of shares).

Who runs Soak Insure?

Companies House lists 3 directors of Soak Insure: Simon Christopher Tonks, Garry Davies and Sean Charles McClarron.

How long has Soak Insure been in business?

The company was formed on 20 October 2022.

What do Soak Insure’s latest accounts show?

Its latest accounts, to 31 January 2026, show total equity of £52.7k (+21% from £43.4k).