The Medical Defence Union
Reference number: 406390
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Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
Responsible principal firm
MDU Services Limited Reference number: 312054 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- The Medical Defence Union (FRN 406390) introduces customers to MDU Services Limited (FRN 312054). Any regulated advice or arranging is done by the principal, not The Medical Defence Union.
- Example: if The Medical Defence Union refers you to a financial adviser, the advice should come from the principal firm, not from The Medical Defence Union itself.
- 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.
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Verified website
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Verified phone number
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Verified address
1 Canada Square, London, E14 5GS, United Kingdom
Company details
From the company's Companies House record.
- Company name
- THE MEDICAL DEFENCE UNION LIMITED
- Company number
- 00021708
- Company status
- Active
- Company type
- Private company limited by guarantee
- Incorporated
- 23 October 1885 (140 years old)
- Registered office
- One Canada Square, London, E14 5GS, United Kingdom
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Matthew Thomas Wilton Lee (Dr) | Director | Oct 1971 | 15 Sep 2009 |
| Simon Wilfred Watkin (Dr) | Director | Feb 1960 | 15 Sep 2015 |
| Stella Elizabeth Wedderburn | Director | Sep 1957 | 19 Sep 2017 |
| Anthony Richard Wright | Director | Nov 1971 | 1 May 2018 |
| Jeremy Hardwicke Riley | Director | Nov 1960 | 18 Sep 2018 |
| Thomas John Norfolk (Dr) | Director | Feb 1970 | 17 Sep 2019 |
| Edward Christian John Wells | Director | Jul 1955 | 28 Jul 2020 |
| Kevin Miller | Director | Aug 1967 | 16 Sep 2021 |
| Peter Irving Clark (Prof) | Director | Jul 1956 | 21 Sep 2021 |
| Lynnette Ruth Hykin (Dr) | Director | May 1968 | 20 Sep 2022 |
| Harjinder Singh Sandhu (Dr) | Director | Jan 1965 | 19 Sep 2023 |
| Ashok Inderraj Handa | Director | Feb 1963 | 19 Sep 2023 |
| Caroline Elizabeth Fryar (Dr) | Director | May 1977 | 1 Apr 2024 |
| Mark Winlow | Director | Apr 1962 | 31 Dec 2025 |
| Ian Joseph Da Cunha | Secretary | Not published | 24 Feb 2026 |
Activities and protection
What they can do, and how you are protected
- Protection through the principal firmProtection works through MDU 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.
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Common questions
Frequently asked questions
Is The Medical Defence Union FCA authorised?
The Medical Defence Union (FRN 406390) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for The Medical Defence Union?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. The Medical Defence Union (FRN 406390) introduces customers to MDU Services Limited (FRN 312054). Any regulated advice or arranging is done by the principal, not The Medical Defence Union. Example: if The Medical Defence Union refers you to a financial adviser, the advice should come from the principal firm, not from The Medical Defence Union itself. 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 The Medical Defence Union?
Protection works through MDU Services Limited, the principal firm responsible for The Medical Defence Union's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is The Medical Defence Union a scam or clone?
The Medical Defence Union 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 The Medical Defence Union's Firm Reference Number (FRN)?
The Medical Defence Union's FRN is 406390. You can verify it on the FCA register.