Insure Beyond (UK) Ltd

Reference number: 1004043

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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

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.
  • Insure Beyond (UK) Ltd (FRN 1004043) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Insure Beyond (UK)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Insure Beyond (UK), 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
  • IBL Re

Company details

From the company's Companies House record.

Company number
06758959
Company status
Active
Company type
Private limited company
Incorporated
26 November 2008 (17 years old)
Registered office
34 Lime Street, London, EC3M 7AT, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Victor Adeleke Akisanya Director Nov 1965 26 Nov 2008

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.

Names it no longer trades under

This firm has retired one trading name. 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 name
  • IB RE

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Common questions

Frequently asked questions

Is Insure Beyond (UK) Ltd FCA authorised?
Insure Beyond (UK) Ltd (FRN 1004043) 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 Insure Beyond (UK)?
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. Insure Beyond (UK) Ltd (FRN 1004043) is an AR of Innovative Risk Labs Ltd (FRN 609155). When you use Insure Beyond (UK)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Insure Beyond (UK), 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 Insure Beyond (UK)?
Protection works through Innovative Risk Labs Ltd, the principal firm responsible for Insure Beyond (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Insure Beyond (UK) a scam or clone?
Insure Beyond (UK) 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 Insure Beyond (UK)'s Firm Reference Number (FRN)?
Insure Beyond (UK)'s FRN is 1004043. You can verify it on the FCA register.