Virtual Insurance Products Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 2001
Accounts filed up to 30 June 2025

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

insurevip.co.uk (opens in a new tab)
Phone number

01803 849031
Address

The Estate Office, Shadrack, Berry Pomeroy, Totnes, Devon, TQ9 6LR, United Kingdom

In the full report: 3 background checks

When insurevip.co.uk first appeared online, and whether it can receive email
What kind of line 01803 849031 is
Who else gives the postcode TQ9 6LR

Other names (14)

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

Choose Your Insurance Trading name: A name it trades under now.
GoTravell.ing Trading name: A name it trades under now.
Insuremore Travel Insurance Trading name: A name it trades under now.
Jackson Lee Underwriting Trading name: A name it trades under now.
Journeys Trading name: A name it trades under now.
My Excess Protected Trading name: A name it trades under now.
SMILE Motorist Trading name: A name it trades under now.
Staff Journeys Trading name: A name it trades under now.
Total Mobility Trading name: A name it trades under now.
Lady-Driver Former trading name: A name it used to trade under.
NIBS Protect Former trading name: A name it used to trade under.
Personal Mortgage Care Former trading name: A name it used to trade under.
Travel Excess Former trading name: A name it used to trade under.
Travell.ing Former trading name: A name it used to trade under.

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.
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 (5 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
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: 04233964 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 13 June 2001 (25 years old)
Registered office: Matches the FCA register address ✓
Nature of business: Non-life insurance (SIC 65120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
John Mclaren	Director	Mar 1947	13 Jun 2001	9 other companies
Mark Peter Mclaren	Director	Sep 1978	1 Aug 2003	10 other companies
Nicholas James Mohan	Director	Mar 1965	14 Jan 2005	10 other companies
Peter James	Director	Aug 1945	31 Jan 2006	19 other companies
Mark Peter Mclaren	Secretary	Not published	1 Aug 2003	10 other companies

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: 31
closed down: 15
is FCA-registered: 1

In the full report: all 31 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 8 companies these 4 directors run together
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 30 June 2025Abridged accountsNot audited

Net assets

£168k

−19% from £208k

Cash at bank

£1.11m

+174% from £405k

Employees (average)

20

Same as 20

Owed within a year

£1.09m

+237% from £322k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 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 04233964. 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

Virtual Insurance Products’s history from the FCA register and Companies House, newest first.

Key events (5) All events (32)

2016

6 April 2016

John McLaren became a part-owner (25–50% of shares)

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 · Companies House

2001

13 June 2001

Incorporated at Companies House

Companies House

In the full report: all 32 events

All 32 events in its history (5 shown here)
Every director appointment and resignation: 6

Firms connected to Virtual Insurance Products

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like Virtual Insurance Products

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

In Totnes

Naturesave Policies LimitedTotnesAuthorised R G Rew & S T PotterTotnesAppointed representative

In the Torquay (TQ) postcode area

Binfield Insurance Brokers LtdTeignmouthAuthorised G2I LtdTorquayAuthorised Insurastore.com LLPNewton AbbotAuthorised Origin8 South West LimitedTorquayAuthorised

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 Virtual Insurance Products

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

31 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 32 events in its history

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Frequently asked questions about this firm

Is Virtual Insurance Products Limited FCA authorised?

Yes, Virtual Insurance Products Limited (FRN 307038) 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 Virtual Insurance Products’ phone number and website?

The FCA register lists the phone number 01803 849031 and the website insurevip.co.uk for Virtual Insurance Products. If you were given different contact details, use these to check with the firm before going any further.

Is Virtual Insurance Products a scam or clone?

Virtual Insurance Products 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 Virtual Insurance Products?

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 Virtual Insurance Products to the Financial Ombudsman Service, free of charge.

Who owns Virtual Insurance Products?

Companies House lists one person with significant control of Virtual Insurance Products: Mr John McLaren (25–50% of shares).

Who runs Virtual Insurance Products?

Companies House lists 4 directors of Virtual Insurance Products: John McLaren, Mark Peter McLaren, Nicholas James Mohan and Peter James.

How long has Virtual Insurance Products been in business?

The company was formed on 13 June 2001, and has held its current FCA authorisation since January 2005.

What do Virtual Insurance Products’ latest accounts show?

Its latest accounts, to 30 June 2025, show net assets of £168k (−19% from £208k) and cash at bank of £1.11m (+174% from £405k).

Does Virtual Insurance Products use any other names?

It trades as Choose Your Insurance, GoTravell.ing, Insuremore Travel Insurance, Jackson Lee Underwriting and Journeys, and 4 more names. It has previously used 5 other names, including Lady-Driver, NIBS Protect and Personal Mortgage Care.