Trafalgar Risk Management Limited

Reference number: 311662

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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 trafalgarinsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 800 0000 is
  • Who else gives the postcode EC3M 1JP
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Other names (7)

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

  • ineedPI Trading name
  • ineedPI.com Trading name
  • Insurance Cafe Trading name
  • Insure my Stall Trading name
  • InsuremyStall.com Trading name
  • Trafalgar Software Solutions Trading name
  • TSS 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
03876370
Company status
Active
Company type
Private limited company
Incorporated
12 November 1999 (26 years old)
Registered office
7 - 8 Britannia Business Park, Comet Way, Southend On Sea, Essex, SS2 6GE, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Kelvin Robert John Wheat Director Jun 1963 1 Jul 2008 5 other companies
Timothy George Cramphorn Director Jun 1956 29 Feb 2016 11 other companies
Kelvin Robert John Wheat Secretary Not published 17 Jun 2003 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
15
closed down
7
are FCA-registered
4

In the full report: all 15 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 4 on the FCA register
  • The 1 company these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Full accountsNot audited

Total equity

£81.1k

+19% from £68.1k

Cash at bank

£185k

−6.6% from £198k

Owed within a year

£147k

+4.2% from £141k

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.

Accounts filed at Companies House for company 03876370. 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

Trafalgar Risk Management’s history from the FCA register and Companies House, newest first.

Key events (8) All events (24)

2020

11 November 2020

  • Wheat & Sons Ltd stopped being a part-owner

Companies House

2016

6 April 2016

  • Kelvin Robert John Wheat took control (75–100% of shares)
  • Wheat & Sons Ltd became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

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

FCA register

2003

16 June 2003

  • Board replaced: its only director left and a new director took over

Companies House

1999

12 November 1999

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (8 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Trafalgar Risk Management

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

connected firms
3
share its postcode
3
past links
4

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Trafalgar Risk Management

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

In London

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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 Trafalgar Risk Management

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 24 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Trafalgar Risk Management Limited FCA authorised?
Yes, Trafalgar Risk Management Limited (FRN 311662) 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 Trafalgar Risk Management’s phone number and website?
The FCA register lists the phone number 0333 800 0000 and the website trafalgarinsurance.co.uk for Trafalgar Risk Management. If you were given different contact details, use these to check with the firm before going any further.
Is Trafalgar Risk Management a scam or clone?
Trafalgar Risk Management 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 Trafalgar Risk Management?
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 Trafalgar Risk Management to the Financial Ombudsman Service, free of charge.
Who owns Trafalgar Risk Management?
Companies House lists one person with significant control of Trafalgar Risk Management: Mr Kelvin Robert John Wheat (75–100% of shares). Before that, it was controlled by Wheat & Sons Ltd.
Who runs Trafalgar Risk Management?
Companies House lists 2 directors of Trafalgar Risk Management: Kelvin Robert John Wheat and Timothy George Cramphorn.
How long has Trafalgar Risk Management been in business?
The company was formed on 12 November 1999, and has held its current FCA authorisation since January 2005.
What do Trafalgar Risk Management’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of £81.1k (+19% from £68.1k) and cash at bank of £185k (−6.6% from £198k).
Does Trafalgar Risk Management use any other names?
It trades as ineedPI, ineedPI.com, Insurance Cafe, Insure my Stall and InsuremyStall.com, and 2 more names.

Sources and links

The full report on Trafalgar Risk Management Limited

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