Sykes Cottages Ltd

Reference number: 492189

Instant download

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

Pikl Insurance Services Limited Reference number: 773457 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.
  • Sykes Cottages Ltd (FRN 492189) is an AR of Pikl Insurance Services Limited (FRN 773457). When you use Sykes Cottages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sykes Cottages, 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 21 other names, search them
  • Carbis Bay Holidays
  • Character Cottages
  • Coast and Country Holidays
  • Coast & Country Cottages
  • Cornish Cottages
  • Dream Cottages
  • Fabulous Stays
  • Heart of the Lakes
  • Helpful Holidays
  • Hideaways
  • Hogans Cottages
  • John Bray Cornish Cottages
  • John Bray & Partners
  • Lake Cottages Holidays
  • Lake District Lodges
  • Lakelovers
  • Manor Cottages
  • Menai Holidays
  • Sykes Holiday Cottages
  • UKcaravans4hire
  • Yorkshire Coastal Cottages

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 Pikl Insurance 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 one trading name. 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 name
  • Hogans Cottages

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Sykes Cottages Ltd FCA authorised?
Sykes Cottages Ltd (FRN 492189) 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 Sykes Cottages?
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. Sykes Cottages Ltd (FRN 492189) is an AR of Pikl Insurance Services Limited (FRN 773457). When you use Sykes Cottages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sykes Cottages, 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 Sykes Cottages?
Protection works through Pikl Insurance Services Limited, the principal firm responsible for Sykes Cottages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Sykes Cottages a scam or clone?
Sykes Cottages 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 Sykes Cottages's Firm Reference Number (FRN)?
Sykes Cottages's FRN is 492189. You can verify it on the FCA register.