PH Innovate (New Inn) Limited

Reference number: 1051123

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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

Next Risk Solutions Limited Reference number: 705135 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.
  • PH Innovate (New Inn) Limited (FRN 1051123) is an AR of Next Risk Solutions Limited (FRN 705135). When you use PH Innovate (New Inn)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from PH Innovate (New Inn), 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

    01495 362840

  • Verified address

    Top Floor Cwmbran House, Mamhilad Park Estate, New Inn, Pontypool, NP4 0HZ, United Kingdom

Also trades as
  • Three Castles Cover
  • Threecastlescover.com

Company details

From the company's Companies House record.

Company number
16989928
Company status
Active
Company type
Private limited company
Incorporated
27 January 2026 (less than a year old)
Registered office
Top Floor Cwmbran House, Mamhilad Park Estate, New Inn, Pontypool, NP4 0HZ, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
Craig Anthony Dunckley Director Nov 1981 27 Jan 2026
David George Harlow Director Jan 1970 27 Jan 2026
Gareth William Evans Director Jul 1985 20 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 Next Risk Solutions 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.

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Common questions

Frequently asked questions

Is PH Innovate (New Inn) Limited FCA authorised?
PH Innovate (New Inn) Limited (FRN 1051123) 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 PH Innovate (New Inn)?
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. PH Innovate (New Inn) Limited (FRN 1051123) is an AR of Next Risk Solutions Limited (FRN 705135). When you use PH Innovate (New Inn)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from PH Innovate (New Inn), 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 PH Innovate (New Inn)?
Protection works through Next Risk Solutions Limited, the principal firm responsible for PH Innovate (New Inn)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is PH Innovate (New Inn) a scam or clone?
PH Innovate (New Inn) 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 PH Innovate (New Inn)'s Firm Reference Number (FRN)?
PH Innovate (New Inn)'s FRN is 1051123. You can verify it on the FCA register.