Future 45 Limited

Reference number: 461102

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Authorisation being cancelled

This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.

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
  • APG Cover
  • Click4Gap
  • Click4Warranty
  • Protect4Sure

Company details

From the company's Companies House record.

Company number
05407413
Company status
Active
Company type
Private limited company
Incorporated
30 March 2005 (21 years old)
Registered office
3rd Floor 114a Cromwell Road, Kensington, London, SW7 4AG, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Current directors and secretaries

Name Role Born Appointed
Graeme Nieman Director Dec 1985 15 Nov 2018
David Chard Director Feb 1978 1 Jul 2021
Sanet Uys Director Dec 1974 26 Jan 2023

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • 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.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.

Check your FSCS cover →

Show FCA detail (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Making arrangements with a view to transactions in investments

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.

  • Future 45 Ltd

Names it no longer trades under

This firm has retired 10 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
  • APG Cover Part of AutoProtect Group
  • Cardepreciationinsurance.co.uk
  • Cargapinsurance.co.uk
  • Click4gap.com
  • Click4Group
  • Click4warranty.co.uk
  • Freegapinsurance.co.uk
  • Gap-Insurance.Whatcar.com
  • Pistonheadsgapinsurance.co.uk
  • www.click4gap.co.uk

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Common questions

Frequently asked questions

Is Future 45 Limited FCA authorised?
Future 45 Limited (FRN 461102) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.
Is my money safe with Future 45?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Future 45 to the Financial Ombudsman Service, free of charge.
Is Future 45 a scam or clone?
Future 45 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 Future 45's Firm Reference Number (FRN)?
Future 45's FRN is 461102. You can verify it on the FCA register.