David Oliver

Reference number: 796609

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Appointed representative

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

Responsible principal firm

DOA Underwriting Limited Reference number: 772309 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.
  • David Oliver (FRN 796609) is an AR of DOA Underwriting Limited (FRN 772309). When you use David Oliver's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from David Oliver, 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 4 other names
  • David Oliver Associates
  • SunWorld EXTRA
  • SunWorld Travel
  • TravelGeo

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 DOA Underwriting 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.

Names it no longer trades under

This firm has retired 13 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
  • Cover2travel.co.uk
  • Cover4travel.co.uk
  • GeoInsure
  • medical extra
  • Medical Screening 247
  • One Solution Travel
  • SunWorld Accident & Illness
  • SunWorld Travel Insurance
  • www.b2ctravel.co.uk
  • www.geoinsure.co.uk
  • www.onesolutiontravel.co.uk
  • www.sunworldextra.co.uk
  • www.sunworldtravel.co.uk

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Common questions

Frequently asked questions

Is David Oliver FCA authorised?
David Oliver (FRN 796609) 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 David Oliver?
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. David Oliver (FRN 796609) is an AR of DOA Underwriting Limited (FRN 772309). When you use David Oliver's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from David Oliver, 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 David Oliver?
Protection works through DOA Underwriting Limited, the principal firm responsible for David Oliver's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is David Oliver a scam or clone?
David Oliver 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 David Oliver's Firm Reference Number (FRN)?
David Oliver's FRN is 796609. You can verify it on the FCA register.