Topsail Insurance Limited

Reference number: 300870

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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 topsailinsurance.com first appeared online, and whether it can receive email
  • What kind of line 01273 573727 is
  • Who else gives the postcode BH16 6FA
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Other names (7)

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

  • InsureXP Trading name
  • Topsail Trading name
  • Topsail Marine & Leisure Insurance Trading name
  • Y Yacht Insurance Trading name
  • G H Insurance Services Ltd Former name
  • MarineAir Insurance Former trading name
  • Nimbus Extended Breakdown Insurance Former 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 (6 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
  • 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
03235400
Company status
Active
Company type
Private limited company
Incorporated
8 August 1996 (30 years old)
Registered office
Lytchett House 13 Freeland Park, Wareham Road, Poole, Dorset, BH16 6FA, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert Charles Stevens Director Nov 1967 1 Sep 2001 4 other companies
Christopher Andrew Mcgowan Director Nov 1984 1 Jan 2010 11 other companies
Ricardo De Cristofano Director Sep 1972 1 May 2020 3 other companies
Nigel Anthony Hawkes Director Jul 1966 11 May 2020 4 other companies

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
4
are FCA-registered
3

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 3 on the FCA register
  • The 8 companies these 4 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£58.8k

−4.3% from £61.4k

Cash at bank

£505k

+23% from £409k

Employees (average)

13

−7.1% from 14

Owed within a year

£885k

+39% from £638k

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 03235400. 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

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

Key events (10) All events (40)

2022

22 September 2022

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

Companies House

30 August 2022

  • Christopher Andrew McGowan no longer holds 25–50% of the votes
  • Robert Charles Stevens no longer holds 25–50% of the votes

Companies House

2016

6 April 2016

  • Christopher Andrew McGowan gained 25–50% of the votes
  • Robert Charles Stevens gained 25–50% of the votes

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

14 March 2011

  • Changed its registered name from "G H Insurance Services Ltd"

FCA register

2005

14 January 2005

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

FCA register

1996

8 August 1996

  • Incorporated at Companies House

Companies House

In the full report: all 40 events

  • All 40 events in its history (10 shown here)
  • Every director appointment and resignation: 18
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Firms connected to Topsail Insurance

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

connected firms
3
share a director
3
share its postcode
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Topsail Insurance

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

In Poole

Alan & Thomas Insurance Brokers LimitedPooleAuthorisedBig Warranties LimitedPooleAuthorisedDavid Spence Financial OptionsPooleAuthorisedFreedom Healthnet LimitedPooleAuthorisedHealth Net Services LimitedPooleAuthorisedHeritage Health LimitedPooleAuthorised

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 Topsail Insurance

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 40 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Topsail Insurance Limited FCA authorised?
Yes, Topsail Insurance Limited (FRN 300870) 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 Topsail Insurance’s phone number and website?
The FCA register lists the phone number 01273 573727 and the website topsailinsurance.com for Topsail Insurance. If you were given different contact details, use these to check with the firm before going any further.
Is Topsail Insurance a scam or clone?
Topsail Insurance 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 Topsail Insurance?
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 Topsail Insurance to the Financial Ombudsman Service, free of charge.
Who owns Topsail Insurance?
Topsail Insurance is owned by Topsail Holdings Ltd, which holds 75–100% of shares, since 22 September 2022. Before that, it was controlled by Robert Charles Stevens and Mr Christopher Andrew McGowan.
Who runs Topsail Insurance?
Companies House lists 4 directors of Topsail Insurance: Robert Charles Stevens, Christopher Andrew McGowan, Ricardo De Cristofano and Nigel Anthony Hawkes.
How long has Topsail Insurance been in business?
The company was formed on 8 August 1996, and has held its current FCA authorisation since January 2005.
What do Topsail Insurance’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £58.8k (−4.3% from £61.4k) and cash at bank of £505k (+23% from £409k).
Does Topsail Insurance use any other names?
It trades as InsureXP, Topsail, Topsail Marine & Leisure Insurance and Y Yacht Insurance. It has previously used 3 other names: G H Insurance Services Ltd, MarineAir Insurance and Nimbus Extended Breakdown Insurance.

Sources and links

The full report on Topsail Insurance Limited

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