The Insurance Broker Limited

Reference number: 305002

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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 the-insurance-broker.com first appeared online, and whether it can receive email
  • What kind of line 01772 780380 is
  • Who else gives the postcode PR3 3JY
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Other names (2)

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

  • Cargo Cover Trading name
  • Warden Co Trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · 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.
  • 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.
  • 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 (7 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
  • 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
04328449
Company status
Active
Company type
Private limited company
Incorporated
26 November 2001 (24 years old)
Registered office
31 Chapel Hill, Longridge, Preston, PR3 3JY, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Aaron Anthony O'Connell Director Oct 1995 28 Jan 2022 1 other company
Rosemarie O'Connell Secretary Not published 26 Nov 2001 –

Other companies run by its director

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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£134k

No earlier figure to compare

Cash at bank

£292k

No earlier figure to compare

Employees (average)

7

Up 7 from 0

Owed within a year

£440k

No earlier figure to compare

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
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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.

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

Accounts filed at Companies House for company 04328449. 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

The Insurance Broker’s history from the FCA register and Companies House, newest first.

Key events (9) All events (21)

2025

27 March 2025

  • Mark O'Connell stopped being a part-owner
  • Rosemarie O'Connell stopped being a part-owner
  • Tib Holdings Limited took control (75–100% of shares)

Companies House

2016

1 July 2016

  • Mark O'Connell became a part-owner (25–50% of shares)
  • Rosemarie O'Connell became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2004

31 October 2004

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

FCA register

2001

26 November 2001

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (9 shown here)
  • Every director appointment and resignation: 5
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Firms connected to The Insurance Broker

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

connected firms
2
share its postcode
2

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
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Firms like The Insurance Broker

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

In Preston

3xd LimitedPrestonAuthorisedAllison Protection Specialists LtdPrestonSee the registerDirect Insurance Services (GB) LtdPrestonAuthorisedFish Administration LimitedPrestonAuthorisedGul Insurance Solutions LtdPrestonAuthorisedM E French & CoPrestonAuthorised

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 The Insurance Broker

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

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

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Frequently asked questions about this firm

Is The Insurance Broker Limited FCA authorised?
Yes, The Insurance Broker Limited (FRN 305002) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2004 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is The Insurance Broker’s phone number and website?
The FCA register lists the phone number 01772 780380 and the website the-insurance-broker.com for The Insurance Broker. If you were given different contact details, use these to check with the firm before going any further.
Is The Insurance Broker a scam or clone?
The Insurance Broker 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 The Insurance Broker?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about The Insurance Broker to the Financial Ombudsman Service, free of charge.
Who owns The Insurance Broker?
The Insurance Broker is owned by Tib Holdings Limited, which holds 75–100% of shares, since 27 March 2025. Before that, it was controlled by Mrs Rosemarie O'Connell and Mr Mark O'Connell.
Who runs The Insurance Broker?
Companies House lists one director of The Insurance Broker: Aaron Anthony O'Connell.
How long has The Insurance Broker been in business?
The company was formed on 26 November 2001, and has held its current FCA authorisation since October 2004.
What do The Insurance Broker’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £134k (no earlier figure to compare) and cash at bank of £292k (no earlier figure to compare).
Does The Insurance Broker use any other names?
It trades as Cargo Cover and Warden Co.

Sources and links

The full report on The Insurance Broker Limited

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