Navigators Underwriting Limited

Reference number: 415229

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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

HARTFORD UNDERWRITING AGENCY LIMITED Reference number: 204835 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.
  • Navigators Underwriting Limited (FRN 415229) is an AR of HARTFORD UNDERWRITING AGENCY LIMITED (FRN 204835). When you use Navigators Underwriting's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Navigators Underwriting, 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
  • The Hartford

Company details

From the company's Companies House record.

Company number
03821007
Company status
Active
Company type
Private limited company
Incorporated
6 August 1999 (27 years old)
Registered office
6 Bevis Marks, 8th Floor, London, EC3A 7BA, England
Nature of business
  • Non-life insurance (SIC 65120)
  • Non-life reinsurance (SIC 65202)

Current directors and secretaries

Name Role Born Appointed
Carl Lee Bach Iii Director Sep 1975 22 May 2015
Neil James Farrer Director Jun 1979 8 May 2019

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 HARTFORD UNDERWRITING AGENCY LIMITED, 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.

  • Pennine Underwriting Limited

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Common questions

Frequently asked questions

Is Navigators Underwriting Limited FCA authorised?
Navigators Underwriting Limited (FRN 415229) 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 Navigators Underwriting?
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. Navigators Underwriting Limited (FRN 415229) is an AR of HARTFORD UNDERWRITING AGENCY LIMITED (FRN 204835). When you use Navigators Underwriting's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Navigators Underwriting, 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 Navigators Underwriting?
Protection works through HARTFORD UNDERWRITING AGENCY LIMITED, the principal firm responsible for Navigators Underwriting's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Navigators Underwriting a scam or clone?
Navigators Underwriting 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 Navigators Underwriting's Firm Reference Number (FRN)?
Navigators Underwriting's FRN is 415229. You can verify it on the FCA register.