AMB Rural & Commercial Ltd

Reference number: 1047829

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

FUW Insurance Services Limited Reference number: 615251 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.
  • AMB Rural & Commercial Ltd (FRN 1047829) is an AR of FUW Insurance Services Limited (FRN 615251). When you use AMB Rural & Commercial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from AMB Rural & Commercial, 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.

Identity

Check their details

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.

Also trades as
  • AMB R&C

Company details

From the company's Companies House record.

Company number
16854410
Company status
Active
Company type
Private limited company
Incorporated
13 November 2025 (less than a year old)
Registered office
4 Cedar Court Tiverton Business Park, Lowman Way, Tiverton, Devon, EX16 6GT, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Alan Bradley Tate-Smith Director Jun 1977 13 Nov 2025
Felicity Clare Tate-Smith Director Mar 1979 13 Nov 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through FUW Insurance Services 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is AMB Rural & Commercial Ltd FCA authorised?
AMB Rural & Commercial Ltd (FRN 1047829) 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 AMB Rural & Commercial?
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. AMB Rural & Commercial Ltd (FRN 1047829) is an AR of FUW Insurance Services Limited (FRN 615251). When you use AMB Rural & Commercial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from AMB Rural & Commercial, 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.
Is my money safe with AMB Rural & Commercial?
Protection works through FUW Insurance Services Limited, the principal firm responsible for AMB Rural & Commercial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is AMB Rural & Commercial a scam or clone?
AMB Rural & Commercial is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is AMB Rural & Commercial's Firm Reference Number (FRN)?
AMB Rural & Commercial's FRN is 1047829. You can verify it on the FCA register.