Tower Insurance Brokers Ltd

Reference number: 805562

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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 towerinsurancebrokers.co.uk first appeared online, and whether it can receive email
  • What kind of line 01253 739789 is, and the other firm that gives it
  • Who else gives the postcode FY8 5LH
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Other names (6)

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

  • Adventure Park Insurance Brokers Trading name
  • BindPoint Underwriting Trading name
  • Tower Affinity Partnerships Trading name
  • Tower Hospitality & Leisure Trading name
  • Tower Mutual Management Trading name
  • GIC Risk Management Limited Former 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 (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

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
10691863
Company status
Active
Company type
Private limited company
Incorporated
27 March 2017 (9 years old)
Registered office
7-9 Church Road, Lytham, Lancashire, FY8 5LH, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Timothy James John Forshaw Director Nov 1988 27 Mar 2017 None
Sean Lindley Killingbeck Director Aug 1965 31 Oct 2018 2 other companies
Martin Francis Richards Director Feb 1960 6 Apr 2023 1 other company
Aaron Tony Greaves Director Nov 1983 6 Feb 2024 1 other company
Steven Lee Smith Director Nov 1968 21 May 2024 6 other companies
Adrian John Mead Director Apr 1976 22 May 2024 5 other companies

Other companies run by these 6 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
7
closed down
2
is FCA-registered
1

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 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 6 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Full accountsNot audited

Net assets

£1.38m

+106% from £670k

Cash at bank

£1.15m

+242% from £337k

Owed within a year

£526k

+4% from £506k

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.

Accounts filed at Companies House for company 10691863. 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

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

Key events (17) All events (34)

2023

31 January 2023

  • Kate Elizabeth Forshaw stopped being a part-owner
  • Timothy James John Forshaw stopped being a part-owner
  • Tower Corp Holdco Limited took control (75–100% of shares)

Companies House

2022

29 July 2022

  • Kate Elizabeth Forshaw became a part-owner (25–50% of shares)

Companies House

2020

18 June 2020

  • Adrian John Mead stopped being a part-owner
  • Steven Lee Smith stopped being a part-owner

Companies House

2018

29 August 2018

  • Changed its registered name from "GIC Risk Management Limited"

FCA register

2 July 2018

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2017

27 March 2017

  • Incorporated at Companies House
  • Adrian John Mead became a part-owner (25–50% of shares)
  • Adrian John Mead stopped being a part-owner
  • Steven Lee Smith became a part-owner (25–50% of shares)
  • Steven Lee Smith stopped being a part-owner
  • Timothy James John Forshaw became a part-owner (25–50% of shares)
  • Timothy James John Forshaw stopped being a part-owner

Companies House

In the full report: all 34 events

  • All 34 events in its history (17 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Tower Insurance Brokers

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

connected firms
3
share a director
1
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Tower Insurance Brokers

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

In Lytham St. Annes

FEC Mutual LimitedLytham St. AnnesAppointed representativeHomestead Consultancy Services LimitedLytham St. AnnesAppointed representativeJames StephensonLytham St. AnnesAppointed representativeMatthew James Insurance Brokers LtdLytham St. AnnesAppointed representativeSell My Park Home LimitedLytham St. AnnesAppointed representativeThe Masonic Mutual LimitedLytham St. AnnesAppointed representative

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 Tower Insurance Brokers

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 34 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Tower Insurance Brokers Ltd FCA authorised?
Yes, Tower Insurance Brokers Ltd (FRN 805562) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2018 and works as an insurance broker. The FCA has placed a limit on what it may do.
What is Tower Insurance Brokers’ phone number and website?
The FCA register lists the phone number 01253 739789 and the website towerinsurancebrokers.co.uk for Tower Insurance Brokers. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Tower Insurance Brokers a scam or clone?
Tower Insurance Brokers 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 Tower Insurance Brokers?
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 Tower Insurance Brokers to the Financial Ombudsman Service, free of charge.
Who owns Tower Insurance Brokers?
Tower Insurance Brokers is owned by Tower Corp Holdco Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 31 January 2023. Before that, it was controlled by Mrs Kate Elizabeth Forshaw, Timothy James John Forshaw and Mr Adrian John Mead.
Who runs Tower Insurance Brokers?
Companies House lists 6 directors of Tower Insurance Brokers: Timothy James John Forshaw, Sean Lindley Killingbeck, Martin Francis Richards, Aaron Tony Greaves, Steven Lee Smith and Adrian John Mead.
How long has Tower Insurance Brokers been in business?
The company was formed on 27 March 2017, and has held its current FCA authorisation since July 2018.
What do Tower Insurance Brokers’ latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £1.38m (+106% from £670k) and cash at bank of £1.15m (+242% from £337k).
Does Tower Insurance Brokers use any other names?
It trades as Adventure Park Insurance Brokers, BindPoint Underwriting, Tower Affinity Partnerships, Tower Hospitality & Leisure and Tower Mutual Management. It has previously used the name GIC Risk Management Limited.

Sources and links

The full report on Tower Insurance Brokers Ltd

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