U K Insurance Limited

Reference number: 202810

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Scammers have impersonated this firm. The FCA has published 6 warnings naming the fake phone numbers, emails and websites they used. See the warnings →

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 directlinegroup.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 246 3761 is, and the other firm that gives it
  • Who else gives the postcode EC4R 3AD
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Other names (87)

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

  • Churchill Trading name
  • Darwin Trading name
  • Direct Line Trading name
  • Direct Line for Business Trading name
  • DLG Partnerships Trading name
  • Farmweb Trading name
  • Green Flag Trading name
  • National Insurance and Guarantee Corporation Trading name
  • NIG Trading name
  • Privilege Trading name
  • STELLANTIS INSURANCE Trading name
  • Stellantis Insurance Services Trading name
  • The National Insurance and Guarantee Corporation Trading name
  • American Express Insurance Services Former trading name
  • ATS Euromaster Motor Insurance Former trading name
  • BMW Fleet Insurance Former trading name
  • BMW Insurance Former trading name
  • Churchill Car Insurance Former trading name
  • Churchill Home Insurance Former trading name
  • Churchill Insurance Former trading name
  • Churchill Insurance policies Former trading name
  • Churchill Pet Insurance Former trading name
  • Churchill Travel Insurance Former trading name
  • Churchill Van Insurance Former trading name
  • Citroen Insurance Former trading name
  • DialDirectFinance Former trading name
  • Direct Line Car Insurance Former trading name
  • directline.com Former trading name
  • Direct Line Commercial Vehicle Insurance Former trading name
  • Direct Line fuel & go Former trading name
  • Direct Line Home Insurance Former trading name
  • Direct Line Insurance Former trading name
  • Direct Line Insurance policies Former trading name
  • Direct Line Pet Insurance Former trading name
  • Direct Line Select Former trading name
  • Direct Line Travel Insurance Former trading name
  • Direct Line Van Insurance Former trading name
  • Egg Insurance Former trading name
  • Green Flag Motoring Assistance Former trading name
  • Lombard Former trading name
  • Lombard Direct Home Insurance Former trading name
  • Lombard Direct Motor Insurance Former trading name
  • Lombard Vehicle Management Fleet Insurance Former trading name
  • MBNA Car Insurance Former trading name
  • MBNA Home Insurance Former trading name
  • MINI Cover Former trading name
  • MINI Insurance Former trading name
  • Mint Insurance Former trading name
  • Nationwide Car Insurance Former trading name
  • Nationwide Home Insurance Former trading name
  • Nationwide Home Insurance Essentials Former trading name
  • Natwest Fleet Insurance Former trading name
  • Natwest Home Response 24 Former trading name
  • Natwest Insurance Former trading name
  • Natwest One Home Insurance Former trading name
  • Natwest Pet Insurance Former trading name
  • NIG Insurance Former trading name
  • NIG Insurance policies Former trading name
  • Peugeot Insurance Former trading name
  • Privilege Breakdown Former trading name
  • Privilege Business Insurance Former trading name
  • Privilege Car Insurance Former trading name
  • Privilege Home Insurance Former trading name
  • Privilege Insurance Former trading name
  • Privilege Insurance policies Former trading name
  • Privilege Motor Insurance Former trading name
  • Privilege Plus Former trading name
  • Prudential Car Insurance Former trading name
  • Prudential Home Insurance Former trading name
  • Royal Bank Insurance Former trading name
  • Royal Bank of Scotland Fleet Insurance Former trading name
  • Royal London Home Insurance Former trading name
  • Royal London Motor Insurance Former trading name
  • Royal London Pet Insurance Former trading name
  • Royalties Insurance Former trading name
  • Sainsbury's Car Insurance Former trading name
  • Sainsbury's Home Insurance Former trading name
  • Sainsbury's Premier Car Insurance Former trading name
  • Sainsbury's Premier Cover Home Insurance Former trading name
  • The One Account Home Insurance Former trading name
  • Ulster Bank Home Insurance Former trading name
  • Virgin Car Insurance Former trading name
  • Virgin Home Insurance Former trading name
  • Virgin One Home Insurance Former trading name
  • Virgin Pet Insurance Former trading name
  • Virgin Travel Insurance Former trading name
  • Yourcar Insurance Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 020 3606 0136
Fake email addresses (6)
  • info@ukifx.cc
  • mail@directlineopt.in
  • mail@directlineoptin.com
  • mail@directlinesustainability.com
  • stephenpearson@dlinvestors.co.uk
  • support@speedysure.co.uk
Fake websites (4)
  • directlineopt.in
  • directlineoptin.com
  • forexuki.com
  • ukifx.cc
The 6 FCA warnings these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • 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 (12 permissions)
  • Accepting Deposits
  • 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
  • Carrying out contracts of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • 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

Limits on what they may do

  • Access to the electoral register
    The firm shall access the full electoral register, where this is the most cost-effective way of verifying identity for anti-money laundering purposes and will not prejudice the interests of the customer, in order to carry out the current customer review exercise.

FCA disciplinary action and Ombudsman complaints

FCA action

fines
2
in fines
£12.8m
most recent
March 2026
  • Fined £10.63m on 10 March 2026
    On 10 March 2026, the PRA issued a Final Notice to U K Insurance Limited. For the reasons given in the Final Notice, the PRA imposed a financial penalty of £10.625 million for breaching: PRA Fundamental Rule 6 (A firm must organise and control its affairs responsibly and effectively); Rule 6.1, Notifications part of the PRA Rulebook (‘PRA Rulebook’); and Rules 2.4 and 3.2, Reporting part of the PRA Rulebook, between 1 June 2022 to 23 August 2024. A copy of the Final Notice can be found on the Bank of England’s website and can be accessed.
  • Fined £2.17m on 18 January 2012
    On 17 January 2012 the FSA imposed a financial penalty of £2,170,000 on UK Insurance Limited (UKI) for the failings of Direct Line Insurance Plc (Direct Line) and Churchill Insurance Company Limited (Churchill) for breach of Principle 2 (skill, care and diligence) of the FSA's Principles for Businesses (the Principles) which occurred between 8 April 2010 and 16 April 2010 (the Relevant Period). The FSA takes this action against UKI for Direct Line and Churchill's breach of Principle 2 during the Relevant Period. Direct Line and Churchill (together, the Firms) breached Principle 2 during the Relevant Period. Since then, the relevant business and liabilities of the Firms have been transferred to UKI. Therefore, UKI is responsible for paying the financial penalty of £2,170,000 in respect of the Firms breach of Principle 2. The Firms agreed to settle at an early stage of the FSA's investigation. They therefore qualify for a 30% (Stage 1) discount under the FSA's executive settlement procedures. Were it not for this discount, the FSA would have imposed a financial penalty of £3.1 million on the Firms. The Firms breached Principle 2 because they acted without due skill, care and diligence in the way that they responded to the FSA's request to provide it with a sample of their closed complaint files. The Firms breach of Principle 2 resulted in the FSA receiving files which had been altered improperly. These alterations were the consequence of inadequate measures taken by the Firms to ensure that 50 files specifically requested by the FSA would not be altered improperly. This failure occurred following a file review exercise started three weeks before the collation of the 50 files. Prior to the start of the earlier exercise, management had told staff during a conference call that if they were found not to be operating to the required standards, they would face internal disciplinary investigation. This message to staff increased the risk that files would be altered improperly. Of the 50 closed complaint files that were ultimately provided to the FSA by the Firms: (1) 27 had been altered before they were provided to the FSA; (2) 28 documents within 27 files had been altered or created; and (3) 7 internal documents contained staff signatures forged by one staff member. The Firms breach of Principle 2 did not result in any customer detriment. Nor did it have a significant impact on the FSA being able to review the Firms' complaints handling processes using different methods. Nevertheless, it is unacceptable for the FSA to receive any files which are not a true representation of a firm's work. This applies regardless of the substance of the alterations, which in this case were minor in nature. Firms must therefore take robust steps to ensure that the FSA receives accurate information. The FSA views these failings as serious because: (4) the FSA requires information it requests from firms to be submitted in its original state and not altered. Submitting altered information undermines the FSA's ability to supervise effectively the financial services sector and meet its objectives of protecting consumers and promoting market confidence; and (5) the Firms are part of RBS Insurance which is a prominent institution with significant operations in the UK. RBS Insurance is the second largest general insurance provider and the largest personal insurer in the UK. The size and potential consumer impact of RBS Insurance's operations require a significant degree of supervision from the FSA. The FSA relies on the receipt of accurate information from RBS Insurance in order to supervise its operations effectively. The majority of the alterations made to files were minor in nature and included the addition of telephone voice recording reference numbers, the correction of typographical errors and grammar and the re-ordering of existing information. The FSA has been able to rely on a detailed internal invesgation carried out by the Firms, the scope of which was agreed with the FSA.

Ombudsman complaints

new complaints, January–June 2025
1,191
upheld, against a 31% median
32%
about insurance
1,187

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
01179980
Company status
Active
Company type
Private limited company
Incorporated
6 August 1974 (52 years old)
Registered office
The Wharf, Neville Street, Leeds, LS1 4AZ
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Jason Philip Storah Director Sep 1973 1 Jul 2025 7 other companies
Rees Aronson Director Nov 1967 1 Jul 2025 None
Chris Clark Director May 1961 1 Jul 2025 None
Ian Clark Director Feb 1960 1 Jul 2025 None
Cristina Nestares Director Oct 1975 1 Jul 2025 None
Wesley Scott Director Jan 1947 1 Jul 2025 None
Fiona Fry Director Jul 1959 1 Jul 2025 None
Deepak Haria Director May 1963 1 Jul 2025 3 other companies
Charlotte Claire Jones Director Jul 1968 1 Jul 2025 17 other companies
Joanne Elizabeth Clube Director Sep 1965 23 Jun 2026 4 other companies
AVIVA COMPANY SECRETARIAL SERVICES LIMITED Corporate secretary Not published 3 Jul 2025 –

Other companies run by these 10 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
24
closed down
1
are FCA-registered
10

In the full report: all 24 companies, named

  • What each company does, and whether it is still trading
  • Which of these 10 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 10 on the FCA register
  • The 3 companies these 10 directors run together
  • All 90 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (12) All events (350)

2026

10 March 2026

  • Fined £10.63m by the PRA

FCA register

2025

1 July 2025

  • Board replaced: all 12 directors left and 10 new directors took over

Companies House

2018

13 September 2018

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • Direct Line Insurance Group Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2012

18 January 2012

  • Fined £2.17m by the FCA

FCA register

2003

28 August 2003

  • FCA imposed a requirement (Access to the electoral register)

FCA register

2001

1 December 2001

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

FCA register

1974

6 August 1974

  • Incorporated at Companies House

Companies House

1901

1 January 1901

  • Supervised by HM Treasury under the money laundering rules from this date

FCA register

In the full report: all 350 events

  • All 350 events in its history (12 shown here)
  • Every director appointment and resignation: 163
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Firms connected to U K Insurance

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

connected firms
4
share a director
4
share its phone number
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 6 past links through former directors
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Firms like U K Insurance

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

In London

Chubb European Group SELondonAuthorisedGreat Lakes Insurance UK LimitedLondonAuthorisedHelvetia Global Solutions LtdLondonAuthorisedAXA Insurance UK PLCLondonAuthorisedLegal and General Assurance Society LimitedLondonAuthorisedThe Prudential Assurance Company LimitedLondonAuthorised

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 U K Insurance

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

  • 24 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 350 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is U K Insurance Limited FCA authorised?
Yes, U K Insurance Limited (FRN 202810) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as an insurer. The FCA has placed a limit on what it may do.
What is U K Insurance’s phone number and website?
The FCA register lists the phone number 0345 246 3761 and the website directlinegroup.co.uk for U K Insurance. 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 U K Insurance a scam or clone?
Scammers have impersonated U K Insurance: the FCA has published 6 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for U K Insurance, shown on this page.
Is my money safe with U K Insurance?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about U K Insurance to the Financial Ombudsman Service, free of charge.
Who owns U K Insurance?
U K Insurance is owned by Direct Line Insurance Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs U K Insurance?
Companies House lists 10 directors of U K Insurance: Jason Philip Storah, Rees Aronson, Chris Clark, Ian Clark, Cristina Nestares, Wesley Scott and 4 more.
How long has U K Insurance been in business?
The company was formed on 6 August 1974, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against U K Insurance?
Yes. The FCA register records 2 fines between 2012 and 2026, £12.79m in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does U K Insurance get?
In January–June 2025, the Financial Ombudsman Service received 1,191 new complaints about U K Insurance, and upheld 32% of those it decided.
Does U K Insurance use any other names?
It trades as Churchill, Darwin, Direct Line, Direct Line for Business and DLG Partnerships, and 8 more names. It has previously used 74 other names, including American Express Insurance Services, ATS Euromaster Motor Insurance and BMW Fleet Insurance.

Sources and links

The full report on U K Insurance Limited

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