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 2 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 December 2025
Responsible principal firm
Hive Insurance Services Limited Reference number: 308655 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.
- Totally Protect Ltd (FRN 1012713) is an AR of Hive Insurance Services Limited (FRN 308655). When you use Totally Protect's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Totally Protect, 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.
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No website on the FCA register
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Phone number
-
Address
76C Davyhulme Road, Urmston, Manchester, Trafford, M41 7DN, United Kingdom
In the full report: 2 background checks
- What kind of line 07801 433038 is
- Who else gives the postcode M41 7DN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Hive Insurance Services 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, freeYou 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 number
- 13965569 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 March 2022 (4 years old)
- Registered office
- 76c Davyhulme Road, Urmston, Manchester, M41 7DN, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
- Advertising agencies (SIC 73110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul John Speed | Director | Jul 1971 | 27 Mar 2023 | 4 other companies |
| Neil Richard Cooper | Director | May 1971 | 29 Mar 2023 | 5 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
- 5
- closed down
- 3
- went insolvent
- 1
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 4 companies these 2 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£100
Same as £100
Employees (average)
0
No earlier figure to compare
Net assets
In the full report: all 4 years of accounts
- Every year from 2023 to 2025
- The chart, over every year
- Every filed figure, year by year
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 13965569. 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
Totally Protect’s history from the FCA register and Companies House, newest first.
2024
20 June 2024
- Became an appointed representative
FCA register
2023
29 March 2023
- Claire Louise Hoyle stopped being a part-owner
- Debbie Maria Speed stopped being a part-owner
- Neil Richard Cooper became a part-owner (25–50% of shares)
- Paul Speed became a part-owner (25–50% of shares)
Companies House
2022
9 March 2022
- Incorporated at Companies House
- Claire Louise Hoyle became a part-owner (25–50% of shares)
- Debbie Maria Speed became a part-owner (25–50% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (8 shown here)
- Every director appointment and resignation: 6
Firms like Totally Protect
Other firms of the same type (insurance broker), nearest first.
In Manchester
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 Totally Protect
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details
- 4 years of accounts, charted
- All 14 events in its history
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Frequently asked questions about this firm
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What does appointed representative mean for Totally Protect?
What is Totally Protect’s phone number?
Is Totally Protect a scam or clone?
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Who owns Totally Protect?
Who runs Totally Protect?
How long has Totally Protect been in business?
What do Totally Protect’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk