Private Health Insurance Services Ltd

Reference number: 498769

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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

WPA Healthcare Practice Plc Reference number: 757721 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.
  • Private Health Insurance Services Ltd (FRN 498769) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use Private Health Insurance Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Private Health Insurance Services, 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.

Company details

From the company's Companies House record.

Company number
NI072414
Company status
Active
Company type
Private limited company
Incorporated
22 April 2009 (17 years old)
Registered office
10 Greenridge Park, Bangor, Co Down, BT20 6AN, Northern Ireland
Nature of business
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
Michael Dow Director Dec 1963 22 Apr 2009
Katherine Dow Director May 1969 28 Mar 2024

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 WPA Healthcare Practice Plc, 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 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Michael Dow
  • Private Health Insurance NI Ltd

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Common questions

Frequently asked questions

Is Private Health Insurance Services Ltd FCA authorised?
Private Health Insurance Services Ltd (FRN 498769) 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 Private Health Insurance Services?
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. Private Health Insurance Services Ltd (FRN 498769) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use Private Health Insurance Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Private Health Insurance Services, 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 Private Health Insurance Services?
Protection works through WPA Healthcare Practice Plc, the principal firm responsible for Private Health Insurance Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Private Health Insurance Services a scam or clone?
Private Health Insurance Services 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 Private Health Insurance Services's Firm Reference Number (FRN)?
Private Health Insurance Services's FRN is 498769. You can verify it on the FCA register.