Julia Hilary Cowell

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Where they hold approval

Firms where this individual holds — or has held — an FCA-approved role.

Aviva Insurance Limited (no longer approved here)
FRN 202153
- [FCA CF] Significant management (29 Sep 2025 to 16 Jan 2026)
Liverpool Victoria Insurance Company Limited (no longer approved here)
FRN 202965
- [FCA CF] Significant management (27 May 2021 to 12 Nov 2021)
Highway Insurance Company Limited (no longer approved here)
FRN 202972
- [FCA CF] Significant management (27 May 2021 to 12 Nov 2021)
FAIRMEAD INSURANCE LIMITED (no longer approved here)
FRN 202050
- SMF23 Chief Underwriting Officer (13 May 2020 to 12 Nov 2021)

Updates to this individual's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Senior staff at any authorised firm have to be approved by the FCA personally.
Approved individual: Someone the FCA has personally signed off to hold a senior role at an authorised firm — directors, compliance officers and similar. They're held accountable for the firm's conduct.
Controlled functions: The specific senior roles the FCA approves people to hold, like 'Compliance oversight' or 'Money laundering reporting'. Each approval is tied to a particular firm.
IRN: Individual Reference Number — the unique ID the FCA assigns to each approved person. It stays the same as they move between firms.

Information on this page is sourced from the official FCA register.