FEC Mutual Limited

Reference number: 958319

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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

Tower Insurance Brokers Ltd Reference number: 805562 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.
  • FEC Mutual Limited (FRN 958319) is an AR of Tower Insurance Brokers Ltd (FRN 805562). When you use FEC Mutual's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from FEC Mutual, 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.

  • No website on the FCA register

  • Verified phone number

    07387 647222

  • Verified address

    7-9 Church Road, Lytham, Lytham St. Annes, Lancashire, FY8 5LH, United Kingdom

Company details

From the company's Companies House record.

Company number
13422679
Company status
Active
Company type
Private company limited by guarantee
Incorporated
26 May 2021 (5 years old)
Registered office
7-9 Church Road, Lytham St. Annes, Lancashire, FY8 5LH, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Louis Stuart Freeman Director May 1992 28 Nov 2022
Liam Gibson Director Nov 1994 8 Feb 2023
Paul Harvey Jenkinson Director Apr 1982 22 Mar 2023
Timothy Ian Mcclure Director Jul 1987 16 Apr 2024
Graham John Rivers Director May 1994 10 Nov 2025

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 Tower Insurance Brokers 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.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • FEC Risk Limited

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Common questions

Frequently asked questions

Is FEC Mutual Limited FCA authorised?
FEC Mutual Limited (FRN 958319) 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 FEC Mutual?
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. FEC Mutual Limited (FRN 958319) is an AR of Tower Insurance Brokers Ltd (FRN 805562). When you use FEC Mutual's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from FEC Mutual, 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 FEC Mutual?
Protection works through Tower Insurance Brokers Ltd, the principal firm responsible for FEC Mutual's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is FEC Mutual a scam or clone?
FEC Mutual 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 FEC Mutual's Firm Reference Number (FRN)?
FEC Mutual's FRN is 958319. You can verify it on the FCA register.