Unum Limited

Reference number: 110408

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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.

  • Website

    unum.co.uk

  • Phone number

    01306 887766

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    Milton Court, Dorking, Surrey, RH4 3LZ, United Kingdom

In the full report: 3 background checks

  • When unum.co.uk first appeared online, and whether it can receive email
  • What kind of line 01306 887766 is, and the other firm that gives it
  • Who else gives the postcode RH4 3LZ
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Other names (2)

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

  • Dencover Trading name
  • Unum Dental Trading name

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.
  • 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)
  • Accepting Deposits
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Carrying out contracts of insurance
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Making arrangements with a view to transactions in investments

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
56
upheld, against a 31% median
25%
about insurance
56

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
00983768
Company status
Active
Company type
Private limited company
Incorporated
3 July 1970 (56 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathan Paul Fletcher Director Sep 1972 22 Feb 2017 8 other companies
Nicholas Hugh Poyntz-Wright Director Apr 1963 1 Jul 2019 18 other companies
Mark Paul Till Director Aug 1967 1 Apr 2021 6 other companies
Stuart Robert Vann Director Jul 1971 27 Oct 2021 1 other company
Sarah Ann Davies Director Apr 1964 1 Oct 2022 13 other companies
Jonathan Mark Dye Director Dec 1966 17 Nov 2023 None
Lyndsey Ann Hurley Secretary Not published 1 Oct 2023 –

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
41
closed down
15
are FCA-registered
15

In the full report: all 41 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 15 on the FCA register, including one no longer authorised
  • The 2 companies these 6 directors run together
  • All 53 people who have ever been directors, with their dates
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Key dates in its history

Unum’s history from the FCA register and Companies House, newest first.

Key events (10) All events (110)

2020

30 December 2020

  • Unum Group became a part-owner (25–50% of shares)
  • Unum Group stopped being a part-owner
  • Unumprovident Finance Company Limited stopped being a part-owner

Companies House

2017

18 January 2017

  • Unum European Holding Company Limited took control (75–100% of shares)
  • Unumprovident Finance Company Limited became a part-owner (25–50% 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

2001

1 December 2001

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

FCA register

1970

3 July 1970

  • Incorporated at Companies House

Companies House

In the full report: all 110 events

  • All 110 events in its history (10 shown here)
  • Every director appointment and resignation: 96
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Firms connected to Unum

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

connected firms
2
no longer authorised
1
share a director
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 10 past links through former directors
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Firms like Unum

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

In Dorking

Sabre Insurance Company LimitedDorkingAuthorised

In the Redhill (RH) postcode area

Tesco Underwriting LimitedReigateAuthorisedesure Insurance LimitedReigateAuthorisedAstrenska Insurance LimitedHaywards HeathAuthorisedInter Partner Assistance SAAuthorised

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 Unum

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

  • 41 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 110 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Unum Limited FCA authorised?
Yes, Unum Limited (FRN 110408) 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 no limits on its permissions.
What is Unum’s phone number and website?
The FCA register lists the phone number 01306 887766 and the website unum.co.uk for Unum. 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, one of which is no longer authorised.
Is Unum a scam or clone?
Unum 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 Unum?
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 Unum to the Financial Ombudsman Service, free of charge.
Who owns Unum?
Unum is owned by Unum European Holding Company Limited, which holds 75–100% of shares, since 18 January 2017. Before that, it was controlled by Unum Group and Unumprovident Finance Company Limited.
Who runs Unum?
Companies House lists 6 directors of Unum: Jonathan Paul Fletcher, Nicholas Hugh Poyntz-Wright, Mark Paul Till, Stuart Robert Vann, Sarah Ann Davies and Jonathan Mark Dye.
How long has Unum been in business?
The company was formed on 3 July 1970, and has held its current FCA authorisation since December 2001.
How many complaints does Unum get?
In January–June 2025, the Financial Ombudsman Service received 56 new complaints about Unum, and upheld 25% of those it decided.
Does Unum use any other names?
It trades as Dencover and Unum Dental.

Sources and links

The full report on Unum Limited

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