Spectrum Insurance Services Limited

Reference number: 309230

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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 spectrumcover.co.uk first appeared online, and whether it can receive email
  • What kind of line 07801 704123 is
  • Who else gives the postcode S21 1TZ
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Other names (23)

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

  • Direct Car Warranty Trading name
  • Hay Fielding Trading name
  • MOT Shield Trading name
  • Spectrum Cover Trading name
  • Spectrum Direct Trading name
  • Spectrum Finance Trading name
  • Warranty Shield Trading name
  • Hay Fielding Ltd Former name
  • Heath Clarke Holdings Limited Former name
  • Heath Insurance (Holdings) Services Ltd Former name
  • Heath Insurance Services Limited Former name
  • Pink Rose 2015 Limited Former name
  • Tobell Automotive Limited Former name
  • 24 Lime Street Former trading name
  • Brightwells Insurance Former trading name
  • Direct Gap Former trading name
  • Hayfielding Warranties Former trading name
  • Heath Equine Insurance Former trading name
  • Heath Insurance Former trading name
  • MOT Protect Former trading name
  • Pink Rose Motor Policies Former trading name
  • Platinum Gap Former trading name
  • Pride Insurance Former 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 (9 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • 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 Adjusting
  • Debt-counselling
  • 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
05129413
Company status
Active
Company type
Private limited company
Incorporated
17 May 2004 (22 years old)
Registered office
115 Westthorpe Bic Westthorpe Fields Road, Killamarsh, Sheffield, S21 1TZ, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Brian John Clarke Director Nov 1955 4 Aug 2011 11 other companies
Russel Kitchin Director May 1967 10 Aug 2018 1 other company
Simon Jeremy Tennyson Director Feb 1965 8 Feb 2022 1 other company
Ian David Paley Director Aug 1977 1 May 2024 None

Other companies run by these 4 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
12
closed down
6
is FCA-registered
1

In the full report: all 12 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 4 directors run together
  • All 13 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Turnover

£15.0m

+10% from £13.6m

Profit before tax

£143k

−72% from £518k

Net assets

£324k

−41% from £547k

Cash at bank

£1.98m

+87% from £1.06m

Turnover and profit

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • Both charts, 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.

Accounts filed at Companies House for company 05129413. 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

Spectrum Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (13) All events (65)

2019

27 August 2019

  • Changed its registered name from "Tobell Automotive Limited"

FCA register

30 June 2019

  • Russel Kitchin became the majority owner (50–75% of shares)

Companies House

2018

6 June 2018

  • Changed its registered name from "Hay Fielding Ltd"

FCA register

2017

1 January 2017

  • Brian John Clarke became a part-owner (25–50% of shares)

Companies House

2016

7 July 2016

  • Changed its registered name from "Pink Rose 2015 Limited"

FCA register

2015

3 December 2015

  • Changed its registered name from "Heath Clarke Holdings Limited"

FCA register

26 November 2015

  • Changed its registered name from "Heath Insurance Services Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

4 August 2011

  • Board replaced: both directors left and a new director took over

Companies House

2005

7 October 2005

  • Changed its registered name from "Heath Insurance (Holdings) Services Ltd"

FCA register

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2004

17 May 2004

  • Incorporated at Companies House

Companies House

In the full report: all 65 events

  • All 65 events in its history (13 shown here)
  • Every director appointment and resignation: 20
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Firms connected to Spectrum Insurance Services

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

connected firms
2
share its postcode
2
past link
1

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Spectrum Insurance Services

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

In Sheffield

Actus Risk Management Services LtdSheffieldAuthorisedBright Cover LtdSheffieldAuthorisedClearcover LimitedSheffieldAuthorisedEnterprise General Insurance BrokersSheffieldAuthorisedEximia Broking LimitedSheffieldAuthorisedGemini Health and Protection Ltd.SheffieldAuthorised

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 Spectrum Insurance Services

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 65 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Spectrum Insurance Services Limited FCA authorised?
Yes, Spectrum Insurance Services Limited (FRN 309230) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Spectrum Insurance Services’ phone number and website?
The FCA register lists the phone number 07801 704123 and the website spectrumcover.co.uk for Spectrum Insurance Services. If you were given different contact details, use these to check with the firm before going any further.
Is Spectrum Insurance Services a scam or clone?
Spectrum Insurance Services 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 Spectrum Insurance Services?
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 Spectrum Insurance Services to the Financial Ombudsman Service, free of charge.
Who owns Spectrum Insurance Services?
Companies House lists 2 people with significant control of Spectrum Insurance Services: Mr Russel Kitchin (50–75% of shares) and Mr Brian John Clarke (25–50% of shares).
Who runs Spectrum Insurance Services?
Companies House lists 4 directors of Spectrum Insurance Services: Brian John Clarke, Russel Kitchin, Simon Jeremy Tennyson and Ian David Paley.
How long has Spectrum Insurance Services been in business?
The company was formed on 17 May 2004, and has held its current FCA authorisation since January 2005.
What do Spectrum Insurance Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £15.0m (+10% from £13.6m) and profit before tax of £143k (−72% from £518k).
Does Spectrum Insurance Services use any other names?
It trades as Direct Car Warranty, Hay Fielding, MOT Shield, Spectrum Cover and Spectrum Direct, and 2 more names. It has previously used 16 other names, including Hay Fielding Ltd, Heath Clarke Holdings Limited and Heath Insurance (Holdings) Services Ltd.

Sources and links

The full report on Spectrum Insurance Services Limited

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