Gardian Marine Ltd

Reference number: 1016665

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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.

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.
  • Gardian Marine Ltd (FRN 1016665) is an AR of Optio Underwriting Ltd (FRN 954101). When you use Gardian Marine's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Gardian Marine, 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.

Company details

From the company's Companies House record.

Company number
15730657
Company status
Active
Company type
Private limited company
Incorporated
20 May 2024 (2 years old)
Registered office
65 Leadenhall Street, London, EC3A 2AD, United Kingdom
Nature of business
  • Non-life reinsurance (SIC 65202)

Current directors and secretaries

Name Role Born Appointed
James Dyson Director Feb 1986 20 May 2024
Edward James Beddoes Morgan Director Oct 1984 24 Apr 2025
Guy David Tyler Director Nov 1989 24 Apr 2025

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Optio Underwriting 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.

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Common questions

Frequently asked questions

Is Gardian Marine Ltd FCA authorised?
Gardian Marine Ltd (FRN 1016665) 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 Gardian Marine?
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. Gardian Marine Ltd (FRN 1016665) is an AR of Optio Underwriting Ltd (FRN 954101). When you use Gardian Marine's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Gardian Marine, 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 Gardian Marine?
Protection works through Optio Underwriting Ltd, the principal firm responsible for Gardian Marine's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Gardian Marine a scam or clone?
Gardian Marine 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 Gardian Marine's Firm Reference Number (FRN)?
Gardian Marine's FRN is 1016665. You can verify it on the FCA register.