UK Independent. Sourced. Primary. · Est. 2024

Charlotte Square Insurance Brokers Limited | Insurance Brokers | Cupar | Est. 2005

Charlotte Square Insurance Brokers Limited is a insurance brokers registered in Cupar, established 2005. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

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Charlotte Square Insurance Brokers Limited

Insurance Brokers · Cupar, Fife · Est. 2005

21 years
Active Trading
Active
CH Status
1,117
Monthly Views
9
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Company Registration Details

Registered company nameCharlotte Square Insurance Brokers Limited
Companies House numberSC279235 →
Company typePrivate Limited Company (Ltd)
Registered addressUnit 2 2 Ceres Road, KY15 5TD
City / RegionCupar, Fife
Date incorporated2005
Years trading21 years
CH statusActive
SpecialismRecorded activity: 66220 (activities of insurance agents and brokers)
Index statusClaim this listing →

About Charlotte Square Insurance Brokers Limited

Founded in 2005, Charlotte Square Insurance Brokers Limited has been active for 21 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

The Financial Services Register confirms whether a firm can lawfully carry on insurance distribution.

What Insurance Brokers Do

Brokers assess the risk, recommend cover levels and place the policy with a suitable underwriter. For business risks such as professional indemnity or fleet, the broker's underwriter relationships shape the outcome.

Advice is the distinction: an intermediary evaluates the risk presented rather than merely retrieving prices.

How to Choose the Right Insurance Broker

Ask prospective firms which insurers they place your class of risk with and how claims are handled. Establish who handles a claim, in-house team or insurer direct, before placing the business.

FCA fair-value rules apply to distribution: commissions and any fees must represent fair value and be disclosable.

Frequently Asked Questions

What is the difference between an insurance broker and a comparison website?
A comparison site retrieves quotes from the answers you type; a broker assesses the risk itself, advises on cover levels and exclusions, and takes responsibility for the recommendation, which matters most on non-standard or commercial risks.
Do I need to use an FCA-regulated insurance broker?
Insurance distribution is a regulated activity: authorisation is not optional for the firm. Your check is simple, the FCA register confirms status, permissions and trading names in minutes.
How are insurance brokers paid?
Most placements carry insurer-paid commission inside the premium; some firms charge fees as well. Either way, disclosure is a regulatory obligation, request it in writing.
What should I bring to a first meeting with an insurance broker?
Bring enough for the firm to understand the risk: existing cover documents, claims history, and for businesses a clear description of activities, premises and turnover; gaps here surface later as disputed claims.
Can an insurance broker help me if my claim is rejected?
Yes, claims advocacy is core to the service: the firm can review the insurer's reasoning, challenge the decision with policy-wording arguments, and escalate to the Financial Ombudsman Service where appropriate.

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Important notice: The information on this page is drawn from the Companies House public register. Kaeltripton.com operates as an independent directory and has no affiliation with Charlotte Square Insurance Brokers Limited or any firm listed. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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