Think Insurance Services Limited

Reference number: 499053

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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 thinkinsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01922 619640 is
  • Who else gives the postcode WS1 3DZ
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Other names (9)

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

  • Ashby Wray Insurance Services Trading name
  • Bromwich Insurance Services Trading name
  • Easy 4 Insurance Trading name
  • Sovereign Insurance (Langley) Services Trading name
  • Think Insurance Trading name
  • Think Wholesale Trading name
  • Think Insurance Services Ltd Former name
  • Light Wholesaling Former trading name
  • Think Finance 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 (10 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • 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 Administration
  • Debt-collecting
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • 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
06809003
Company status
Active
Company type
Private limited company
Incorporated
3 February 2009 (17 years old)
Registered office
26 Newhall Street, Walsall, WS1 3DZ, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard John Fullerton Director Jun 1976 3 Feb 2009 7 other companies
Garrath Michael Hussey Director Sep 1978 3 Feb 2009 7 other companies

Other companies run by these 2 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
8
closed down
2
is FCA-registered
1

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 6 companies these 2 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Small company accountsAudited

Net assets

£3.27m

−7.6% from £3.54m

Cash at bank

£2.37m

−19% from £2.93m

Employees (average)

112

+5.7% from 106

Owed within a year

£3.16m

+28% from £2.47m

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 06809003. 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

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

Key events (8) All events (29)

2024

1 January 2024

  • Ensco 1292 Ltd took control (75–100% of shares)
  • Think (Holdings) Ltd gave up control

Companies House

2017

3 February 2017

  • Think (Holdings) Ltd took control (75–100% of shares)

Companies House

2015

10 March 2015

  • Changed its registered name from "Think Insurance Services Ltd"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

10 July 2009

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

FCA register

3 February 2009

  • Incorporated at Companies House

Companies House

In the full report: all 29 events

  • All 29 events in its history (8 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Think Insurance Services

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Think Insurance Services

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

In Walsall

Caldmore LtdWalsallAuthorisedHomeserve Finance LimitedWalsallAuthorisedPaul BottrillWalsallAuthorisedShaun Anthony ReaneyWalsallAuthorisedWatmos Community HomesWalsallAuthorisedRobsco Solutions LimitedWalsallAuthorised

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 Think Insurance Services

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 29 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Think Insurance Services Limited FCA authorised?
Yes, Think Insurance Services Limited (FRN 499053) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2009 and works as a lender. The FCA has placed no limits on its permissions.
What is Think Insurance Services’ phone number and website?
The FCA register lists the phone number 01922 619640 and the website thinkinsurance.co.uk for Think Insurance Services. If you were given different contact details, use these to check with the firm before going any further.
Is Think Insurance Services a scam or clone?
Think 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 Think 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 Think Insurance Services to the Financial Ombudsman Service, free of charge.
Who owns Think Insurance Services?
Think Insurance Services is owned by Ensco 1292 Ltd, which holds 75–100% of shares and 75–100% of votes, since 1 January 2024. Before that, it was controlled by Think (Holdings) Ltd.
Who runs Think Insurance Services?
Companies House lists 2 directors of Think Insurance Services: Richard John Fullerton and Garrath Michael Hussey.
How long has Think Insurance Services been in business?
The company was formed on 3 February 2009, and has held its current FCA authorisation since July 2009.
What do Think Insurance Services’ latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £3.27m (−7.6% from £3.54m) and cash at bank of £2.37m (−19% from £2.93m).
Does Think Insurance Services use any other names?
It trades as Ashby Wray Insurance Services, Bromwich Insurance Services, Easy 4 Insurance, Sovereign Insurance (Langley) Services and Think Insurance, and 1 more names. It has previously used 3 other names: Think Insurance Services Ltd, Light Wholesaling and Think Finance.

Sources and links

The full report on Think Insurance Services Limited

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