Pinnacle Insurance Limited
Addresses
The contact details this firm has registered with the FCA.
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Principal Place of Business
4th Floor LimelightElstree WayBorehamwoodHertfordshireWD6 1JHUNITED KINGDOM- Phone
- +4402082079000
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Complaints Contact
4th Floor LimelightElstree WayBorehamwoodHertfordshireWD6 1JHUNITED KINGDOM- Phone
- +4402082079000
What this firm is allowed to do
The regulated activities the FCA has granted this firm permission to carry out.
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Bank Deposits
For All, Deposit
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- · Limited to accepting deposits in the course of carrying on insurance business for which the firm holds a permission.
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P2P Lending Advice
For Commercial, Professional, Retail (Non-Investment Insurance)
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Investment Advice (no pensions)
For Commercial, Professional, Retail (Non-Investment Insurance), Non-investment insurance contracts
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- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
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Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
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Arranges Investments
For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Commodity Future, Commodity option and option on commodity future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Debenture, Future (excluding a commodity future and a rolling spot forex contract), Government and public security, Life Policy, Non-investment insurance contracts, Option (excluding a commodity option and an option on a commodity future), Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Rolling spot forex contract, Share, Spread Bet, Stakeholder pension scheme, Unit, Warrant
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- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
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Manages Insurance Policies
For All, Accident, Assistance, Capital redemption, Credit, Damage to property, Fire and natural forces, General liability, Goods in transit, Land Vehicles, Legal expenses, Liability for ships, Life and annuity, Linked long-term, Marriage and birth, Miscellaneous financial loss, Motor vehicle liability, Pension fund management, Permanent health, Ships, Sickness, Suretyship
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Stockbroking
For Professional, Retail (Investment), Certificates representing certain security, Commodity Future, Commodity option and option on commodity future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Debenture, Future (excluding a commodity future and a rolling spot forex contract), Government and public security, Life Policy, Option (excluding a commodity option and an option on a commodity future), Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Rolling spot forex contract, Share, Spread Bet, Stakeholder pension scheme, Unit, Warrant
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- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
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Trades With You Directly
For Eligible Counterparty, Professional, Retail (Investment), Commodity Future, Commodity option and option on commodity future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Future (excluding a commodity future and a rolling spot forex contract), Life Policy, Option (excluding a commodity option and an option on a commodity future), Rights to or interests in investments (Contractually Based Investments), Rolling spot forex contract, Spread Bet
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- · Investment activity in "rights to or interests in investments (contractually based)" is limited to investment types granted for this activity.
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Issues Insurance
For All, Accident, Assistance, Capital redemption, Credit, Damage to property, Fire and natural forces, General liability, Goods in transit, Land Vehicles, Legal expenses, Liability for ships, Life and annuity, Linked long-term, Marriage and birth, Miscellaneous financial loss, Motor vehicle liability, Pension fund management, Permanent health, Ships, Sickness, Suretyship
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Investment Setup
For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Commodity Future, Commodity option and option on commodity future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Debenture, Future (excluding a commodity future and a rolling spot forex contract), Government and public security, Life Policy, Non-investment insurance contracts, Option (excluding a commodity option and an option on a commodity future), Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Rolling spot forex contract, Share, Spread Bet, Stakeholder pension scheme, Unit, Warrant
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
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Holds Your Assets
For Professional, Retail (Investment), Certificates representing certain security, Commodity Future, Commodity option and option on commodity future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Debenture, Future (excluding a commodity future and a rolling spot forex contract), Government and public security, Life Policy, Option (excluding a commodity option and an option on a commodity future), Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Rolling spot forex contract, Share, Spread Bet, Stakeholder pension scheme, Unit, Warrant
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Approved individuals
Senior staff personally approved by the FCA to hold their roles here.
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. BNP Paribas Cardif
IRN CCC01041
- CF2 Non Executive Director (1 Dec 2001 to 27 Nov 2015)
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. Banque Financiere Cardif
IRN CCB01054
- CF2 Non Executive Director (1 Dec 2001 to 31 Mar 2006)
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. Cardif Assurance Vie
IRN CCC01042
- CF2 Non Executive Director (1 Dec 2001 to 31 Dec 2015)
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. Cardif-Assurances Risques Divers
IRN XXC01050
- CF2 Non Executive Director (23 Mar 2006 to 27 Nov 2015)
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Aaron Richard Hester-Lowe
IRN AXH00254
- SMF17 Money Laundering Reporting Officer (MLRO) (since 30 Jul 2024)
- SMF16 Compliance Oversight (since 30 Jul 2024)
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Adam Daniel Toulson
IRN AXT00812
- [FCA CF] Significant management (since 6 Oct 2025)
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Adam Jon Golding
IRN AJG01283
- CF1 Director (7 Sep 2007 to 25 May 2012)
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Alistair James Hadfield
IRN AJH01680
- SMF24 Chief Operations (8 Aug 2022 to 5 Jan 2024)
- Responsible for Insurance Distribution (20 Sep 2019 to 5 Jan 2024)
- SMF3 Executive Director (27 Feb 2019 to 8 Aug 2022)
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Andrew Donald Swain
IRN ADS01143
- CF1 Director (21 Apr 2006 to 31 Dec 2011)
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Andrew Miles Wigg
IRN AMW01212
- Responsible for Insurance Distribution (since 5 Feb 2024)
- SMF1 Chief Executive (since 10 Dec 2018)
- SIMF1 Chief Executive Function (7 Mar 2016 to 9 Dec 2018)
- SIMF2 Chief Finance Function (7 Mar 2016 to 31 Aug 2016)
- CF3 Chief Executive (4 Feb 2016 to 6 Mar 2016)
- CF1 Director (1 Mar 2013 to 6 Mar 2016)
Appointed representatives
Smaller firms operating under this firm's FCA authorisation.
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Marks and Spencer P.L.C
FRN 151426 · Appointed 9 Oct 2025
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Marks and Spencer Plc
FRN 1043209 · Appointed 9 Oct 2025
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John Lewis PLC
FRN 416011 · Appointed 17 Sep 2025
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Viovet Ltd
FRN 730626 · Appointed 13 Jun 2024
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R.S.P.C.A. TRADING LIMITED
FRN 998727 · Appointed 28 Jun 2023
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PDSA Trading Limited
FRN 201199 · Appointed 12 Jan 2022
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PET IDENTITY UK LIMITED (no longer appointed)
FRN 710250 · Appointed 15 Jul 2015 · Until 12 Jul 2017
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Motability Enterprises Limited (no longer appointed)
FRN 538055 · Appointed 13 Dec 2013 · Until 8 Apr 2019
Recent activity
Updates to this firm's record on the FCA register.
No changes recorded yet.