We Insure Excess Limited

Reference number: 649415

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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.

Responsible principal firm

Spencer Hayes Group Limited Reference number: 649816 Authorised 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.
  • We Insure Excess Limited (FRN 649415) is an AR of Spencer Hayes Group Limited (FRN 649816). When you use We Insure Excess's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from We Insure Excess, 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.

  • No website on the FCA register

  • Phone number

    0121 401 1313

  • Address

    Victoria Road, Halesowen, B62 8HY, United Kingdom

In the full report: 2 background checks

  • What kind of line 0121 401 1313 is
  • Who else gives the postcode B62 8HY
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Other names (3)

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

  • We Insure Extra Trading name
  • WIEINSURE Trading name
  • We Insure Extra Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Spencer Hayes Group Limited, 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, free
    You 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
08728253
Company status
Active
Company type
Private limited company
Incorporated
11 October 2013 (13 years old)
Registered office
126 126 Raglan Road, Smethwick, Warley, West Midlands, B66 3SU, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Mohammed Kasim Director Jul 1983 11 Oct 2013 1 other company

Other companies run by its director

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 company
1
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£173k

+2.8% from £168k

Employees (average)

4

+33% from 3

Owed within a year

£166k

−5.2% from £175k

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
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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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 08728253. 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

We Insure Excess’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2018

20 February 2018

  • Changed its registered name from "We Insure Extra Limited"

FCA register

2016

1 August 2016

  • Mohammed Kasim took control (75–100% of shares)

Companies House

1 June 2016

  • Changed its registered name from "We Insure Excess Limited"

FCA register

2014

10 October 2014

  • Became an appointed representative

FCA register

2013

11 October 2013

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like We Insure Excess

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

In Halesowen

A & J Chantry Holdings LtdHalesowenAppointed representativeNigel LedwardHalesowenAppointed representativeProspect Insurance Services LtdHalesowenAppointed representativeAustin Healey Club LimitedHalesowenAppointed representativeDolphin Tec LimitedHalesowenAppointed representativeMasdaq LimitedHalesowenAppointed representative

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 We Insure Excess

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is We Insure Excess Limited FCA authorised?
We Insure Excess Limited (FRN 649415) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for We Insure Excess?
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. We Insure Excess Limited (FRN 649415) is an AR of Spencer Hayes Group Limited (FRN 649816). When you use We Insure Excess's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from We Insure Excess, 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.
What is We Insure Excess’ phone number?
The FCA register lists the phone number 0121 401 1313 for We Insure Excess. If you were given different contact details, use these to check with the firm before going any further.
Is We Insure Excess a scam or clone?
We Insure Excess 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 We Insure Excess?
Protection works through Spencer Hayes Group Limited, the principal firm responsible for We Insure Excess's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns We Insure Excess?
Companies House lists one person with significant control of We Insure Excess: Mr Mohammed Kasim (75–100% of shares).
Who runs We Insure Excess?
Companies House lists one director of We Insure Excess: Mohammed Kasim.
How long has We Insure Excess been in business?
The company was formed on 11 October 2013.
What do We Insure Excess’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £173k (+2.8% from £168k).
Does We Insure Excess use any other names?
It trades as We Insure Extra and WIEINSURE. It has previously used the name We Insure Extra Limited.

Sources and links

The full report on We Insure Excess Limited

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