Bao An Ltd

Reference number: 926817

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Michael Scott & Lau Insurance Warehouse Reference number: 308107 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Bao An Ltd (FRN 926817) introduces customers to Michael Scott & Lau Insurance Warehouse (FRN 308107). Any regulated advice or arranging is done by the principal, not Bao An.
  • Example: if Bao An refers you to a financial adviser, the advice should come from the principal firm, not from Bao An itself.
  • 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.

  • No website on the FCA register

  • Verified phone number

    07500 860127

  • Verified address

    8B Ellingfort Road, London, E8 3PA, United Kingdom

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 Michael Scott & Lau Insurance Warehouse, 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 Bao An Ltd FCA authorised?
Bao An Ltd (FRN 926817) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Bao An?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Bao An Ltd (FRN 926817) introduces customers to Michael Scott & Lau Insurance Warehouse (FRN 308107). Any regulated advice or arranging is done by the principal, not Bao An. Example: if Bao An refers you to a financial adviser, the advice should come from the principal firm, not from Bao An itself. 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 Bao An?
Protection works through Michael Scott & Lau Insurance Warehouse, the principal firm responsible for Bao An's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Bao An a scam or clone?
Bao An 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 Bao An's Firm Reference Number (FRN)?
Bao An's FRN is 926817. You can verify it on the FCA register.