Our Travel Insurance Ltd

Reference number: 585610

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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.

The FCA register does not name a principal for this 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.
  • Our Travel Insurance Ltd (FRN 585610) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from Our Travel Insurance, 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
  • Our Travel,

Company details

From the company's Companies House record.

Company name
OUR TRAVEL INSURANCE LIMITED
Company number
SC394090
Company status
Active
Company type
Private limited company
Incorporated
23 February 2011 (15 years old)
Registered office
43a High Street, Kirkcaldy, Fife, KY1 1LL, Scotland
Nature of business
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
David James Nicholson Director Jun 1962 23 Feb 2011
Graeme Andrew Telford Clarkson Director May 1953 1 Jun 2012
Kareen Anderson Director Aug 1974 29 Apr 2021
Graeme Andrew Telford Clarkson Secretary Not published 1 Jun 2012

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 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 Our Travel Insurance Ltd FCA authorised?
Our Travel Insurance Ltd (FRN 585610) 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 Our Travel Insurance?
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. Our Travel Insurance Ltd (FRN 585610) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from Our Travel Insurance, 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 Our Travel Insurance?
Protection works through the principal firm responsible for Our Travel Insurance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Our Travel Insurance a scam or clone?
Our Travel Insurance 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 Our Travel Insurance's Firm Reference Number (FRN)?
Our Travel Insurance's FRN is 585610. You can verify it on the FCA register.