Union Income Benefit Holdings Limited

Reference number: 307575

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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 unioninsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0343 178 1226 is
  • Who else gives the postcode EC4A 2DQ
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Other names (34)

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

  • AdvanceProtect Trading name
  • Advance Rewards Trading name
  • CommunityProtect Trading name
  • Community Rewards Trading name
  • GMB Extra Trading name
  • GMB Protect Trading name
  • GMB Rewards Trading name
  • MAGtravel.co.uk Trading name
  • MAG Travel Insurance Trading name
  • NautilusProtect Trading name
  • Nautilus Rewards Trading name
  • NowSure Trading name
  • NowSure.co.uk Trading name
  • POAProtect Trading name
  • RMT Protect Trading name
  • RMT Rewards Trading name
  • Union Income Trading name
  • Union Income Benefit Trading name
  • unioninsurance.co.uk Trading name
  • Union Insurance Services Trading name
  • UnionProtect Trading name
  • Union Rewards Trading name
  • UnisonProtect Trading name
  • UNISON Rewards Trading name
  • UniteProtect Trading name
  • Unite Rewards Trading name
  • UsdawProtect Trading name
  • Usdaw Rewards Trading name
  • Union Income Benefit Holdings Plc Former name
  • LabourProtect Former trading name
  • MAG Travel Insurance Services Former trading name
  • Ribbon Former trading name
  • Ribbon Care Former trading name
  • unioninsurance Former trading 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 (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
03877610
Company status
Active
Company type
Private limited company
Incorporated
16 November 1999 (26 years old)
Registered office
14th Floor 33 Cavendish Square, London, W1G 0PW, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Lord John Hannett Of Everton Director Jun 1953 17 Dec 2024 None
Paul Edward Thilo Director Jun 1968 18 Dec 2024 16 other companies
John Giles Blundell Director Nov 1963 25 Mar 2025 1 other company
Pat Hayes Director Apr 1968 10 Jun 2025 2 other companies
Catherine Baxandall Secretary Not published 17 Dec 2025 –

Other companies run by these 4 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
16
closed down
3
went insolvent
1

In the full report: all 16 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 4 on the FCA register
  • The 2 companies these 4 directors run together
  • All 28 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Turnover

£7.27m

<1% from £7.23m

Profit before tax

−£1.94m

Up £2.20m from −£4.15m

Net assets

£4.29m

−65% from £12.4m

Cash at bank

£1.49m

+200% from £498k

Turnover and profit

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • Both charts, 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 03877610. 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

Union Income Benefit Holdings’s history from the FCA register and Companies House, newest first.

Key events (6) All events (93)

2016

6 April 2016

  • Embignell Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

20 July 2007

  • Changed its registered name from "Union Income Benefit Holdings Plc"

FCA register

2005

14 January 2005

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

FCA register

1999

16 November 1999

  • Incorporated at Companies House

Companies House

In the full report: all 93 events

  • All 93 events in its history (6 shown here)
  • Every director appointment and resignation: 46
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Firms connected to Union Income Benefit Holdings

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

connected firms
2
share a director
2
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Union Income Benefit Holdings

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

In London

Amazon EU S.a.r.l.LondonAuthorisedRevolut Travel LtdLondonAuthorisedSantander Insurance Services UK LimitedLondonAuthorisedAon UK LimitedLondonAuthorisedHartford Underwriting Agency LimitedLondonAuthorisedChubb Underwriting Agencies 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 Union Income Benefit Holdings

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

  • 16 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 93 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Union Income Benefit Holdings Limited FCA authorised?
Yes, Union Income Benefit Holdings Limited (FRN 307575) 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 Union Income Benefit Holdings’ phone number and website?
The FCA register lists the phone number 0343 178 1226 and the website unioninsurance.co.uk for Union Income Benefit Holdings. If you were given different contact details, use these to check with the firm before going any further.
Is Union Income Benefit Holdings a scam or clone?
Union Income Benefit Holdings 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 Union Income Benefit Holdings?
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 Union Income Benefit Holdings to the Financial Ombudsman Service, free of charge.
Who owns Union Income Benefit Holdings?
Union Income Benefit Holdings is owned by Embignell Limited, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.
Who runs Union Income Benefit Holdings?
Companies House lists 4 directors of Union Income Benefit Holdings: Lord John Hannett Of Everton, Paul Edward Thilo, John Giles Blundell and Pat Hayes.
How long has Union Income Benefit Holdings been in business?
The company was formed on 16 November 1999, and has held its current FCA authorisation since January 2005.
What do Union Income Benefit Holdings’ latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £7.27m (<1% from £7.23m) and profit before tax of −£1.94m (up £2.20m from −£4.15m).
Does Union Income Benefit Holdings use any other names?
It trades as AdvanceProtect, Advance Rewards, CommunityProtect, Community Rewards and GMB Extra, and 23 more names. It has previously used 6 other names, including Union Income Benefit Holdings Plc, LabourProtect and MAG Travel Insurance Services.

Sources and links

The full report on Union Income Benefit Holdings Limited

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