AMRAK (Europe) Limited

Reference number: 786229

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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

POLICY EXCESS INSURE LTD Reference number: 836031 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.
  • AMRAK (Europe) Limited (FRN 786229) is an AR of POLICY EXCESS INSURE LTD (FRN 836031). When you use AMRAK (Europe)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from AMRAK (Europe), 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.

Company details

From the company's Companies House record.

Company number
10883825
Company status
Active
Company type
Private limited company
Incorporated
26 July 2017 (9 years old)
Registered office
1 Percy Avenue, Broadstairs, CT10 3LB, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Russell George Smart Director Jun 1966 4 Sep 2018
George Russell Smart Director Apr 1993 11 Jun 2025
Loretta Smart Secretary Not published 26 Jul 2017

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 POLICY EXCESS INSURE 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: 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 AMRAK (Europe) Limited FCA authorised?
AMRAK (Europe) Limited (FRN 786229) 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 AMRAK (Europe)?
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. AMRAK (Europe) Limited (FRN 786229) is an AR of POLICY EXCESS INSURE LTD (FRN 836031). When you use AMRAK (Europe)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from AMRAK (Europe), 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 AMRAK (Europe)?
Protection works through POLICY EXCESS INSURE LTD, the principal firm responsible for AMRAK (Europe)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is AMRAK (Europe) a scam or clone?
AMRAK (Europe) 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 AMRAK (Europe)'s Firm Reference Number (FRN)?
AMRAK (Europe)'s FRN is 786229. You can verify it on the FCA register.