UNUM LIMITED

Reference number: 110408

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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
  • Dencover
  • Unum Dental

Company details

From the company's Companies House record.

Company number
00983768
Company status
Active
Company type
Private limited company
Incorporated
3 July 1970 (56 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
Jonathan Paul Fletcher Director Sep 1972 22 Feb 2017
Nicholas Hugh Poyntz-Wright Director Apr 1963 1 Jul 2019
Mark Paul Till Director Aug 1967 1 Apr 2021
Stuart Robert Vann Director Jul 1971 27 Oct 2021
Sarah Ann Davies Director Apr 1964 1 Oct 2022
Jonathan Mark Dye Director Dec 1966 17 Nov 2023
Lyndsey Ann Hurley Secretary Not published 1 Oct 2023

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.

Check your FSCS cover →

Show FCA detail (7 permissions)
  • Accepting Deposits
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Carrying out contracts of insurance
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Making arrangements with a view to transactions in investments

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Complaints record

In January–June 2025, the Financial Ombudsman Service received 56 new complaints about this firm, and upheld 25% of the ones it decided.

That is below the 31% median for the firms the Ombudsman reports on.

  • Insurance 56

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is UNUM LIMITED FCA authorised?
Yes, UNUM LIMITED (FRN 110408) is authorised by the FCA to carry out regulated activities.
Is my money safe with UNUM?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about UNUM to the Financial Ombudsman Service, free of charge.
Is UNUM a scam or clone?
UNUM 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 UNUM's Firm Reference Number (FRN)?
UNUM's FRN is 110408. You can verify it on the FCA register.