We Insure Excess Limited

Reference number: 649415

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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

Spencer Hayes Group Limited Reference number: 649816 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.
  • We Insure Excess Limited (FRN 649415) is an AR of Spencer Hayes Group Limited (FRN 649816). When you use We Insure Excess's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from We Insure Excess, 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.

  • No website on the FCA register

  • Verified phone number

    0121 401 1313

  • Verified address

    Victoria Road, Halesowen, B62 8HY, United Kingdom

Also trades as
  • We Insure Extra
  • WIEINSURE

Company details

From the company's Companies House record.

Company number
08728253
Company status
Active
Company type
Private limited company
Incorporated
11 October 2013 (12 years old)
Registered office
126 126 Raglan Road, Smethwick, Warley, West Midlands, B66 3SU, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Mohammed Kasim Director Jul 1983 11 Oct 2013

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 Spencer Hayes Group 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.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • We Insure Extra Limited

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Common questions

Frequently asked questions

Is We Insure Excess Limited FCA authorised?
We Insure Excess Limited (FRN 649415) 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 We Insure Excess?
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. We Insure Excess Limited (FRN 649415) is an AR of Spencer Hayes Group Limited (FRN 649816). When you use We Insure Excess's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from We Insure Excess, 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 We Insure Excess?
Protection works through Spencer Hayes Group Limited, the principal firm responsible for We Insure Excess's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is We Insure Excess a scam or clone?
We Insure Excess 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 We Insure Excess's Firm Reference Number (FRN)?
We Insure Excess's FRN is 649415. You can verify it on the FCA register.