Ins Experts Limited

Reference number: 1045803

Instant download

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

Innovative Risk Labs Ltd Reference number: 609155 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.
  • Ins Experts Limited (FRN 1045803) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Ins Experts's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ins Experts, 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

    07799 616620

  • Verified address

    Suite B1, The Quadrant, Mercury Court, Chester West Employment Park, Chester, Cheshire West And Chester, CH1 4QR, United Kingdom

Also trades as
  • Money Expert Insurance

Company details

From the company's Companies House record.

Company number
16800036
Company status
Active
Company type
Private limited company
Incorporated
21 October 2025 (less than a year old)
Registered office
Suite B1 The Quadrant, Mercury Court, Chester, CH1 4QR, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
Antoine Nohra Director Feb 1969 21 Oct 2025
Ian Robert Attwood Director Apr 1968 9 Mar 2026

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 Innovative Risk Labs 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.

  • Ins Experts Ltd

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Ins Experts Limited FCA authorised?
Ins Experts Limited (FRN 1045803) 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 Ins Experts?
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. Ins Experts Limited (FRN 1045803) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Ins Experts's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ins Experts, 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 Ins Experts?
Protection works through Innovative Risk Labs Ltd, the principal firm responsible for Ins Experts's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Ins Experts a scam or clone?
Ins Experts 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 Ins Experts's Firm Reference Number (FRN)?
Ins Experts's FRN is 1045803. You can verify it on the FCA register.