Family Confident Limited

Reference number: 943517

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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

Plan and Prosper Financial Group Limited Reference number: 798095 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.
  • Family Confident Limited (FRN 943517) is an AR of Plan and Prosper Financial Group Limited (FRN 798095). When you use Family Confident's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Family Confident, 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
  • Daddy Insurance
  • lifeexpert.co.uk
  • Mummy Insurance
  • Privatesickpay.co.uk

Company details

From the company's Companies House record.

Company number
SC546600
Company status
Active
Company type
Private limited company
Incorporated
30 September 2016 (9 years old)
Registered office
Summit House 4-5 Mitchell Street Edinburgh, Mitchell Street, Edinburgh, EH6 7BD, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Michael James Mulholland Director Apr 1989 30 Sep 2016

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 Plan and Prosper Financial Group 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 Family Confident Limited FCA authorised?
Family Confident Limited (FRN 943517) 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 Family Confident?
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. Family Confident Limited (FRN 943517) is an AR of Plan and Prosper Financial Group Limited (FRN 798095). When you use Family Confident's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Family Confident, 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 Family Confident?
Protection works through Plan and Prosper Financial Group Limited, the principal firm responsible for Family Confident's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Family Confident a scam or clone?
Family Confident 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 Family Confident's Firm Reference Number (FRN)?
Family Confident's FRN is 943517. You can verify it on the FCA register.