Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 6 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 31 December 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
City Insurance Brokers Ltd Reference number: 831252 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Vecta UW Limited (FRN 919129) is an AR of City Insurance Brokers Ltd (FRN 831252). When you use Vecta UW's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Vecta UW, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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No website on the FCA register
-
Phone number
-
Address
3 Lloyd's Avenue, London, EC3N 3DS, United Kingdom
In the full report: 2 background checks, 1 thing worth a closer look
- What kind of line 07769 186373 is, and the other firm that gives it
- Whether EC3N 3DS is a shared office: 21 other firms give it
Other names (1)
If you were contacted under any of these names, it is this firm.
- RAV UW Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through City Insurance Brokers Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 12323337 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 November 2019 (6 years old)
- Registered office
- 3 Lloyd's Avenue, London, EC3N 3DS, England
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Richard Gorely | Director | Jan 1967 | 20 Nov 2019 | 5 other companies |
| Andrew Vincent Juggins | Director | Jan 1959 | 20 Nov 2019 | 4 other companies |
| Vyvian Bruce Townend | Director | Mar 1967 | 20 Nov 2019 | None |
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
- 5
- still active
- 5
- is FCA-registered
- 1
In the full report: all 5 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 one on the FCA register
- The 4 companies these 3 directors run together
Filed accounts and finances
Net assets
£359k
+33% from £271k
Cash at bank
£357k
+110% from £170k
Employees (average)
4
Same as 4
Owed within a year
£203k
+61% from £126k
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 12323337. 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
Vecta UW’s history from the FCA register and Companies House, newest first.
2025
17 September 2025
- Vecta Group Limited took control (75–100% of shares)
Companies House
2021
31 January 2021
- Changed its registered name from "RAV UW Ltd"
FCA register
2020
7 January 2020
- Became an appointed representative
FCA register
2019
20 November 2019
- Incorporated at Companies House
- Andrew Vincent Juggins gained significant control
- Richard Gorely gained significant control
- Vyvian Bruce Townend gained significant control
Companies House
In the full report: all 10 events
- All 10 events in its history (7 shown here)
- Every director appointment and resignation: 3
Firms connected to Vecta UW
Other FCA-listed firms that share a director, phone number or address with Vecta UW. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Vecta UW
Other firms of the same type (insurance broker), nearest first.
In London
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 Vecta UW
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details, 1 flagged
- 6 years of accounts, charted
- All 10 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk