XS Assure Limited

Reference number: 946504

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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

MGA Union Limited Reference number: 560943 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.
  • XS Assure Limited (FRN 946504) is an AR of MGA Union Limited (FRN 560943). When you use XS Assure's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from XS Assure, 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.

Company details

From the company's Companies House record.

Company number
13272441
Company status
Active
Company type
Private limited company
Incorporated
17 March 2021 (5 years old)
Registered office
Elmwood House Ghyll Royd, Guiseley, Leeds, West Yorkshire, LS20 9LT, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Current directors and secretaries

Name Role Born Appointed
Marco Adriano Del Carlo Director Feb 1970 17 Mar 2021
Peter Frank Glanfield Director Jan 1969 17 Mar 2021
Jake Fox Director Sep 1977 30 Jun 2025
Kathren Wright Director Feb 1972 30 Jun 2025

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 MGA Union 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 XS Assure Limited FCA authorised?
XS Assure Limited (FRN 946504) 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 XS Assure?
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. XS Assure Limited (FRN 946504) is an AR of MGA Union Limited (FRN 560943). When you use XS Assure's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from XS Assure, 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 XS Assure?
Protection works through MGA Union Limited, the principal firm responsible for XS Assure's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is XS Assure a scam or clone?
XS Assure 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 XS Assure's Firm Reference Number (FRN)?
XS Assure's FRN is 946504. You can verify it on the FCA register.