CARD PROTECTION PLAN LIMITED

Reference number: 311489

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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
  • CPP UK

Company details

From the company's Companies House record.

Company number
01490503
Company status
Active
Company type
Private limited company
Incorporated
14 April 1980 (46 years old)
Registered office
19th Floor 51 Lime Street, London, EC3M 7DQ, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
Luisa Cifuentes Director Aug 1970 6 Oct 2021
Andrew Kerr Adam Ferguson Director Mar 1951 7 Jun 2022
Sarah Elizabeth Atherton Director Sep 1981 6 Dec 2024
David Morrison Director Jan 1959 13 Oct 2025
Sarah Elizabeth Atherton Secretary Not published 1 Jan 2021

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.

Check your FSCS cover →

Show FCA detail (2 permissions)
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent

Limits on what they may do

  • Must cease all regulated activities except for
    The firm must cease all regulated activities except for the following activities: (i) Arranging and renewing insurance contracts where: (a) the insurance contract is part of a packaged bank account; (a) packaged bank account being an arrangement under which a firm provides a retail banking service as part of a package which includes access to other goods and services, whether or not a fee is charged) or (b) the insurance contract is part of a credit card account (a credit card account being an arrangement where a licensee, firm, payment service provider or electronic money insurer enter into a regulated consumer credit agreement with a customer as part of a package which may include access to other goods and services, whether or not a fee is charged); or (c) the insurance contract is an ancillary insurance contract (an ancillary insurance contract being an insurance contract, which is included at the point of inception as part of an insurance package provided by another firm to a customer and which is not sold to the customer as an additional benefit of the home or motor insurance package for which the customer must pay an incremental premium). (ii) renewals of insurance contracts to customers who have a contract in force on 15 November 2012; (iii) administration and performance, including claims handling, of insurance contracts; and (iv) provision of credit information services.
  • The firm must not seek to retain a customer whose
    The firm must not seek to retain a customer whose contract it requesting to cancel their insurance contract.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

Action taken against them

1 fine in 2013, £10.5m in total. This is part of the official register record and is worth reviewing before going ahead.

  • Fined £10.5m on 19 December 2013
    The Financial Services Authority (FSA) imposed a financial penalty of £10.5 million on Card Protection Plan Ltd (CPP). The FSA's action took effect on 14 November 2012 and a copy of the Final Notice, which sets out the reason for the action, is displayed on the FSA's web site and can be accessed using the following link: http://www.fsa.gov.uk/static/pubs/final/card-protection-plan.pdf The reason for this action was that CPP failed to comply with Principles 3, 6 and 7 of the FSA's Principles for Businesses.

Names it no longer trades under

This firm has retired 5 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Barclaycard Card Protection
  • Barclays Cardholder Protection
  • HSBC Cardguard
  • Marks and Spencer Cardsafe
  • Natwest Card Protection

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Common questions

Frequently asked questions

Is CARD PROTECTION PLAN LIMITED FCA authorised?
Yes, CARD PROTECTION PLAN LIMITED (FRN 311489) is authorised by the FCA to carry out regulated activities.
Is my money safe with CARD PROTECTION PLAN?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about CARD PROTECTION PLAN to the Financial Ombudsman Service, free of charge.
Is CARD PROTECTION PLAN a scam or clone?
CARD PROTECTION PLAN 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 CARD PROTECTION PLAN's Firm Reference Number (FRN)?
CARD PROTECTION PLAN's FRN is 311489. You can verify it on the FCA register.