Vitality Health Limited

Reference number: 400057

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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 vitality.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7133 8783 is, and the 5 other firms that give it
  • Who else gives the postcode WC2R 0DT
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Other names (3)

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

  • Pakra Limited Former name
  • Prudential Health Limited Former name
  • PruHealth Former 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.
  • 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 (3 permissions)
  • Accepting Deposits
  • Carrying out contracts of insurance
  • Effecting contracts of insurance

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
147
upheld, against a 31% median
30%
about insurance
145

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
05051253
Company status
Active
Company type
Private limited company
Incorporated
20 February 2004 (22 years old)
Registered office
3 More London Riverside, London, SE1 2AQ
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Neville Stanley Koopowitz Director Mar 1964 17 Jun 2010 5 other companies
Ayanda Ntsaluba Director May 1960 12 Sep 2012 None
Alastair David Lyons Director Oct 1953 7 Jun 2018 4 other companies
Joanne Mary Shaw Director Aug 1963 21 Sep 2018 16 other companies
Justin Michael Edward Skinner Director Jun 1974 16 Feb 2022 7 other companies
Joanne Louise Kenrick Director Sep 1966 1 Aug 2023 4 other companies
Penelope James Director Sep 1969 1 Jul 2024 3 other companies
Arun Thiyagarajan Director Jul 1987 22 Jan 2025 None
Adam John Murphy Director Sep 1984 2 Sep 2025 2 other companies
Rosanne Mary Murison Director Mar 1960 25 Nov 2025 3 other companies
Angela Jane Darlington Director May 1968 1 Jan 2026 5 other companies
Adam Banks Director Feb 1971 30 Jun 2026 8 other companies
Fiona Jane Morrison Secretary Not published 1 Oct 2025 –

Other companies run by these 12 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
6
are FCA-registered
9

In the full report: all 31 companies, named

  • What each company does, and whether it is still trading
  • Which of these 12 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 9 on the FCA register
  • The 4 companies these 12 directors run together
  • All 43 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (11) All events (92)

2016

6 April 2016

  • Discovery Holdings Europe Limited gained significant control
  • Discovery Holdings Europe Limited no longer has significant control
  • Vitality Health Insurance Limited took control (75–100% of shares)

Companies House

2014

20 November 2014

  • Changed its registered name from "Prudential Health Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2004

17 September 2004

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

FCA register

15 September 2004

  • Changed its registered name from "PAKRA Limited"

FCA register

29 July 2004

  • Changed its registered name from "Pakra Limited"

FCA register

20 February 2004

  • Incorporated at Companies House

Companies House

In the full report: all 92 events

  • All 92 events in its history (11 shown here)
  • Every director appointment and resignation: 76
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Firms connected to Vitality Health

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

connected firms
8
share a director
5
share its phone number
5

In the full report: all 8 connected firms, named

  • How each is linked: shared directors (5), the same phone number (5), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Vitality Health

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

In London

Chubb European Group SELondonAuthorisedGreat Lakes Insurance UK LimitedLondonAuthorisedHelvetia Global Solutions LtdLondonAuthorisedAXA Insurance UK PLCLondonAuthorisedLegal and General Assurance Society LimitedLondonAuthorisedThe Prudential Assurance Company 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 Vitality Health

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
  • All 92 events in its history
  • 8 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Vitality Health Limited FCA authorised?
Yes, Vitality Health Limited (FRN 400057) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2004 and works as an insurer. The FCA has placed no limits on its permissions.
What is Vitality Health’s phone number and website?
The FCA register lists the phone number 020 7133 8783 and the website vitality.co.uk for Vitality Health. 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 5 other FCA firms.
Is Vitality Health a scam or clone?
Vitality Health 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 Vitality Health?
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 Vitality Health to the Financial Ombudsman Service, free of charge.
Who owns Vitality Health?
Vitality Health is owned by Vitality Health Insurance Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016. Before that, it was controlled by Discovery Holdings Europe Limited.
Who runs Vitality Health?
Companies House lists 12 directors of Vitality Health: Neville Stanley Koopowitz, Ayanda Ntsaluba, Alastair David Lyons, Joanne Mary Shaw, Justin Michael Edward Skinner, Joanne Louise Kenrick and 6 more.
How long has Vitality Health been in business?
The company was formed on 20 February 2004, and has held its current FCA authorisation since September 2004.
How many complaints does Vitality Health get?
In January–June 2025, the Financial Ombudsman Service received 147 new complaints about Vitality Health, and upheld 30% of those it decided.
Does Vitality Health use any other names?
It has previously used 3 other names: Pakra Limited, Prudential Health Limited and PruHealth.

Sources and links

The full report on Vitality Health Limited

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