Save on Life.co.uk

Reference number: 570787

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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

LIFETIME PROTECTION SERVICES LIMITED Reference number: 535386 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.
  • Save on Life.co.uk (FRN 570787) is an AR of LIFETIME PROTECTION SERVICES LIMITED (FRN 535386). When you use Save on Life.co.uk's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Save on Life.co.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
  • Celtic Compare
  • Saveonlife
  • SAVEONLIFE | HIBS

Company details

From the company's Companies House record.

Company name
SAVEONLIFE.CO.UK LIMITED
Company number
SC411609
Company status
Active
Company type
Private limited company
Incorporated
18 November 2011 (14 years old)
Registered office
The E Centre, Cooperage Way Business Village, Alloa, FK10 3LP, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Kelley Marie Delany Director May 1981 18 Nov 2011
Martin Edward Delany Director Dec 1979 18 Nov 2011
Gary Joynes Director Jun 1975 24 Apr 2018

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 LIFETIME PROTECTION SERVICES 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.

Names it no longer trades under

This firm has retired 2 trading names. 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 names
  • Rangers Protect
  • SAVEONLIFE | BIRMINGHAM CITY

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Common questions

Frequently asked questions

Is Save on Life.co.uk FCA authorised?
Save on Life.co.uk (FRN 570787) 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 Save on Life.co.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. Save on Life.co.uk (FRN 570787) is an AR of LIFETIME PROTECTION SERVICES LIMITED (FRN 535386). When you use Save on Life.co.uk's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Save on Life.co.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 Save on Life.co.uk?
Protection works through LIFETIME PROTECTION SERVICES LIMITED, the principal firm responsible for Save on Life.co.uk's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Save on Life.co.uk a scam or clone?
Save on Life.co.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 Save on Life.co.uk's Firm Reference Number (FRN)?
Save on Life.co.uk's FRN is 570787. You can verify it on the FCA register.