UK Special Risks Limited

Reference number: 300289

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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, 1 thing worth a closer look

  • When ukspecialrisks.co.uk first appeared online, and whether it can receive email
  • What kind of line 01634 862525 is
  • Whether ME16 0LS is a shared office: 26 other firms give it
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Other names (3)

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

  • Complete Response Trading name
  • www.headstoneinsurance.co.uk Trading name
  • Open Underwriting Solutions 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
04010256
Company status
Active
Company type
Private limited company
Incorporated
7 June 2000 (26 years old)
Registered office
7th Floor Corn Exchange, 55 Mark Lane, London, EC3R 7NE, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Stuart Sendall-King Director Dec 1977 8 Nov 2021 1 other company
Andrew Philip Chibeba Director Apr 1981 8 Nov 2021 1 other company
Matthew James Hartigan Director Oct 1973 4 Aug 2025 19 other companies

Other companies run by these 3 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
20
closed down
5
are FCA-registered
4

In the full report: all 20 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 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 3 directors run together
  • All 8 people who have ever been directors, with their dates
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Key dates in its history

UK Special Risks’s history from the FCA register and Companies House, newest first.

Key events (11) All events (29)

2025

4 August 2025

  • Brown & Brown Retail Holdco (Europe) Limited took control (75–100% of shares)
  • Martin Bell gave up control

Companies House

2022

7 January 2022

  • First Insurance Solutions Limited gave up control
  • Martin Bell took control (75–100% of shares)

Companies House

2018

18 January 2018

  • First Insurance Solutions Limited took control (75–100% of shares)
  • Martin Bell no longer has significant control

Companies House

2016

6 April 2016

  • Martin Bell gained significant control

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

2000

7 June 2000

  • Incorporated at Companies House

Companies House

In the full report: all 29 events

  • All 29 events in its history (11 shown here)
  • Every director appointment and resignation: 11
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Firms connected to UK Special Risks

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

connected firms
3
share a director
3
past link
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like UK Special Risks

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

In Maidstone

Group 1 Automotive UK LimitedMaidstoneAuthorisedBrachers LLPMaidstoneAuthorisedCivil Service Insurance Society (The)MaidstoneAuthorisedEast Kent Underwriting LtdMaidstoneAuthorisedEden Insurance Brokers LtdMaidstoneAuthorisedJCMH Services LtdMaidstoneAuthorised

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 UK Special Risks

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

  • 20 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 29 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is UK Special Risks Limited FCA authorised?
Yes, UK Special Risks Limited (FRN 300289) 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 UK Special Risks’ phone number and website?
The FCA register lists the phone number 01634 862525 and the website ukspecialrisks.co.uk for UK Special Risks. If you were given different contact details, use these to check with the firm before going any further.
Is UK Special Risks a scam or clone?
UK Special Risks 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 UK Special Risks?
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 UK Special Risks to the Financial Ombudsman Service, free of charge.
Who owns UK Special Risks?
UK Special Risks is owned by Brown & Brown Retail Holdco (Europe) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 4 August 2025. Before that, it was controlled by First Insurance Solutions Limited and Mr Martin Bell.
Who runs UK Special Risks?
Companies House lists 3 directors of UK Special Risks: Matthew Stuart Sendall-King, Andrew Philip Chibeba and Matthew James Hartigan.
How long has UK Special Risks been in business?
The company was formed on 7 June 2000, and has held its current FCA authorisation since January 2005.
Does UK Special Risks use any other names?
It trades as Complete Response and www.headstoneinsurance.co.uk. It has previously used the name Open Underwriting Solutions.

Sources and links

The full report on UK Special Risks Limited

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