TXT In plain English
Company description
WESTERN PROVIDENT ASSOCIATION LIMITED is a UK company whose Companies House status is “Active” and whose registered company type is “PRI/LTD BY GUAR/NSC (Private, limited by guarantee, no share capital)”. Incorporated on 1 December 1949; registered for 76 years; registered office reported in TAUNTON, SOMERSET. Its primary declared activity is 65120 · Non-life insurance.
This BritDB profile also contains linked public records: 1 PSC record, 30 trade marks, 4 procurement records. This description is assembled from public data, is not a reliability assessment, and should be checked against the cited sources before a legally significant decision.
Web facts are never added from a name match alone. Internet enrichment requires the exact Companies House ID in Wikidata, and ambiguous results are excluded.
01 Company overview
Identity and registration
- Official name
- WESTERN PROVIDENT ASSOCIATION LIMITED
- Company number
- 00475557
- Company type
- PRI/LTD BY GUAR/NSC (Private, limited by guarantee, no share capital)
- Status
- Active
- Country of origin
- United Kingdom
- Dissolution date
- Not supplied
- Accounts category
- GROUP
- Mortgage charges
- 0 total · 0 outstanding · 0 satisfied
- Limited partnership members
- 0 general · 0 limited
A registered office is not necessarily a trading location. The address is reproduced from the Companies House bulk record and should be interpreted in that legal context.
02 Filing dates
Accounts and statements
Last accounts made up to
31 December 2025Next accounts due
30 September 2027Last statement made up to
8 July 2026Next statement due
22 July 2027BritDB does not infer overdue status when the source does not state it.
03 Workforce reporting
Gender pay gap
- Median bonus gap
- 18.6%
- Mean bonus gap
- 62.0%
- Women receiving bonus
- 95.0%
- Men receiving bonus
- 91.0%
- Women in top quartile
- 47.9%
- Women in upper middle quartile
- 68.0%
- Women in lower middle quartile
- 75.0%
- Women in lower quartile
- 76.3%
Earlier reporting years (8)
- 250 to 49913.9% median hourly gap
- 250 to 4999.9% median hourly gap
- 250 to 49915.0% median hourly gap
- 250 to 49916.6% median hourly gap
- 250 to 49915.1% median hourly gap
- Less than 25013.1% median hourly gap
- 250 to 49912.3% median hourly gap
- 250 to 4999.6% median hourly gap
Positive gaps mean men were paid more; negative gaps mean women were paid more. These figures are employer-reported and describe the workforce distribution, not equal pay for the same job. The company link uses the exact Companies House number supplied by the service.
04 Supplier payments
Payment practices and performance
- Reporting period
- 1 January 2026 – 30 June 2026
- Filed
- 17 July 2026
- Shortest standard term
- 28 days
- Longest standard term
- 59 days
- E-invoicing offered
- No
- Supply-chain finance
- Not offered
- Payment codes
- No
- Construction retentions
- No retention clauses reported
Complete reported payment fields
- Policy regime
- Regime-3
- Financial period started
- 1 January 2026
- Qualifying contracts
- Yes
- Payments made
- Yes
- Invoice value paid within 30 days
- £2,742,892
- Invoice value paid in 31–60 days
- £601,742
- Invoice value paid after 60 days
- £131,600
- Invoice value paid outside agreed terms
- £759,597
- Invoices paid in 31–60 days
- 12.0%
- Invoices unpaid due to dispute
- 0.0%
- Maximum contractual payment period
- 198 days
- Supplier-list charging policy
- No
- Supplier-list charges made
- No
Maximum contractual payment information
Our standard practice is to make weekly supplier payments, WPA terms are available at http://www.wpa.org.uk/purchaseterms
- Retention in all contracts
- No
- Retention in standard terms
- No
- Retention threshold
- Not supplied
- Standard retention rate
- Not supplied
- Retention compared with client
- Not supplied
- Retention compared with payments
- Not supplied
Reported terms and dispute process
- Standard payment terms
Within 28 days after the end of the month in which the Seller renders to WPA a valid invoice
- Dispute resolution process
The supplier should raise any disputes with their direct WPA contact in the first instance, if none available then contact the WPA Finance team at finance@wpa.org.uk. Any disputes will be dealt with by the relevant department, with the involvement of the Chief Finance Officer where necessary.
Earlier payment reports (11 shown)
- 17.0 average days to pay17.0% outside terms
- 19.0 average days to pay18.0% outside terms
- 20.0 average days to pay19.0% outside terms
- 21.0 average days to pay19.0% outside terms
- 24.0 average days to pay19.0% outside terms
- 23.0 average days to pay23.0% outside terms
- 23.0 average days to pay23.0% outside terms
- 20.0 average days to pay24.0% outside terms
- 17.0 average days to pay16.0% outside terms
- 18.0 average days to pay13.0% outside terms
- 21.0 average days to pay21.0% outside terms
This is a company-submitted statutory disclosure, not a credit rating. BritDB preserves the reporting period and links the report only through the Companies House number supplied by the official service. Percentages describe payments made during that period and may change in later reports.
05 Global legal identity
Legal Entity Identifier
WESTERN PROVIDENT ASSOCIATION LIMITED
LEI 2138002EZM8HP5FQ6J93 · jurisdiction GB
- Legal form
- 4GJI
- Entity category
- GENERAL
- Entity created
- 1 December 1949
- Initial LEI registration
- 2 January 2014
- LEI last updated
- 11 March 2026
- Next renewal
- 16 December 2026
- Managing LOU
- 213800WAVVOPS85N2205
- Other legal names
- WPA
- Legal address
- RIVERGATE HOUSE, BLACKBROOK PARK, TAUNTON, GB-SOM, TA1 2PE, GB
- Headquarters address
- RIVERGATE HOUSE, BLACKBROOK PARK, TAUNTON, GB-SOM, TA1 2PE, GB
GLEIF parent-reporting exceptions
DIRECT ACCOUNTING CONSOLIDATION PARENT
NON_CONSOLIDATING
ULTIMATE ACCOUNTING CONSOLIDATION PARENT
NON_CONSOLIDATING
LEI data provides global legal identity and source-reported relationships, not a credit or regulatory approval. BritDB links Level 1 identities only through GLEIF’s Companies House registration-authority identifier and exact company number; Level 2 parent and fund relationships and reporting exceptions are reproduced as supplied by GLEIF.
06 Supply-chain transparency
Modern slavery statement
- Organisation
- WESTERN PROVIDENT ASSOCIATION LIMITED
- Group submission
- Yes
- Statement period
- 1 January 2025 – 31 December 2025
- Approved
- 26 March 2026
- Sectors
- Charitable / not-for-profit activities Financial, insurance and real estate activities
Organisation structure
Covered in the statement
Policies
Covered in the statement
Risk assessment
Covered in the statement
Due diligence
Covered in the statement
Training
Covered in the statement
Goals and KPIs
Not reported as covered
Full statement information supplied to the registry
- Reported turnover band
- £100 million to £500 million
- Years producing statements
- More than 5 years
- ILO indicators included
- Not answered
- Registry record updated
- 18 May 2026
A registry entry records what the organisation declared in its statement. It is not an independent audit. Group statements can cover several companies; BritDB preserves each exact source-supplied company-number link and excludes approver names and email addresses.
07 Data protection
ICO fee-payer registration
Western Provident Association Limited
Registration Z5580671
- Registered from
- 6 August 2001
- Current end date
- 5 August 2027
- Trading names
- WPA
This is a candidate association, not an official Companies House link. The ICO file supplies no company number. The organisation name and postcode uniquely matched this company in the current snapshot. BritDB excludes all DPO contact fields and does not publish unmatched personal entries.
08 Public procurement
Contracts Finder awards
HO HR Private Medical Insurance
Home Office · ocds-b5fd17-d55bfaa5-7363-45a8-8eca-f5b542dd4701
- Supplier named in award
- Western Provident Association
- Award value
- £52,711
- Contract period
- 31 July 2024 – 31 July 2025
- Published
- 13 August 2024
- Procedure
- Single tender action (below threshold)
- Main CPV
- 66512220
- Source release ID
- ocds-b5fd17-d55bfaa5-7363-45a8-8eca-f5b542dd4701-2024-08-13T15:53:21+01:00
Private Health Care and NHS Top up
University of Bristol · ocds-b5fd17-2769581b-9d20-4989-819b-0208634b22fe
- Supplier named in award
- WESTERN PROVIDENT ASSOCIATION LIMITED
- Award value
- £1,530,528.66
- Contract period
- 1 June 2024 – 1 June 2030
- Published
- 3 June 2024
- Procedure
- Open procedure (above threshold)
- Main CPV
- 66510000
- Source release ID
- ocds-b5fd17-2769581b-9d20-4989-819b-0208634b22fe-2024-06-03T10:33:22+01:00
The supplier link is exact, but the award remains buyer-published procurement data. BritDB requires the GB-COH identifier supplied in the Contracts Finder OCDS release and does not infer suppliers from similar names.
TM UK trade marks
Exact owner-name matches
Figurative mark
Owner Western Provident Association Limited · classes 9,36
- Filed / designated
- 2 November 2017
- Valid until / renewal due
- 2 November 2027
HEALTHCARE PRACTICE
Owner Western Provident Association Limited · classes 9,36
- Filed / designated
- 2 November 2017
- Valid until / renewal due
- 2 November 2027
Clinic-al
Owner Western Provident Association Limited · classes 9,36,42
- Filed / designated
- 10 August 2017
- Valid until / renewal due
- 10 August 2027
Clinic-ai
Owner Western Provident Association Limited · classes 9,36,42
- Filed / designated
- 10 August 2017
- Valid until / renewal due
- 10 August 2027
PRECISION HEALTHCARE
Owner Western Provident Association Limited · classes 42
- Filed / designated
- 28 February 2017
- Valid until / renewal due
- 28 February 2027
WPA PRECISION
Owner Western Provident Association Limited · classes 36,42
- Filed / designated
- 26 January 2017
- Valid until / renewal due
- 26 January 2027
PRECISION
Owner Western Provident Association Limited · classes 36,42
- Filed / designated
- 26 January 2017
- Valid until / renewal due
- 26 January 2027
PRECISION HEALTHCARE
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 30 November 2016
- Valid until / renewal due
- 30 November 2026
DELOS
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 28 November 2016
- Valid until / renewal due
- 28 November 2026
WPA PRECISION ANALYTICS
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 24 June 2015
- Valid until / renewal due
- 24 June 2025
WPA HEALTHCARE PRACTICE
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 1 July 2014
- Valid until / renewal due
- 1 July 2024
WPA MULTI FAMILY HEALTH INSURANCE
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 17 February 2014
- Valid until / renewal due
- 17 February 2024
WPA FAMILY OFFICE HEALTHCARE PLAN
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 16 January 2014
- Valid until / renewal due
- 16 January 2024
WPA SWIFT DIAGNOSIS
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 12 December 2012
- Valid until / renewal due
- 12 December 2022
FEDERATED HEALTH
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 1 June 2011
- Valid until / renewal due
- 1 June 2021
FEDERATION HEALTH
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 1 June 2011
- Valid until / renewal due
- 1 June 2021
WPA CORPORATE DEDUCTIBLE
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 14 September 2010
- Valid until / renewal due
- 14 September 2020
WPA RISKOMETER
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 14 September 2010
- Valid until / renewal due
- 14 September 2020
WPA SUPPLEMENTARY INSURANCE
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 31 August 2010
- Valid until / renewal due
- 31 August 2020
FLY 2 U
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 25 May 2010
- Valid until / renewal due
- 25 May 2020
ACTIVE HEALTH
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 14 May 2010
- Valid until / renewal due
- 14 May 2020
WPA iClaim
Owner Western Provident Association Limited · classes 9,36
- Filed / designated
- 20 November 2008
- Valid until / renewal due
- 20 November 2018
HEALTH e-ISA
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 28 September 2007
- Valid until / renewal due
- 28 September 2027
WPA HEALTH TOP-UP
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 28 September 2007
- Valid until / renewal due
- 28 September 2027
FACESAVER
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 24 April 2007
- Valid until / renewal due
- 24 April 2027
WPA MAJOR CORPORATE HEALTHCARE
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 26 March 2007
- Valid until / renewal due
- 26 March 2027
WPA MY CANCER DRUGS
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 26 March 2007
- Valid until / renewal due
- 26 March 2027
WPA CANCER DRUG CONTRIBUTORY FUND
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 5 March 2007
- Valid until / renewal due
- 5 March 2027
SHARED RESPONSIBILITY
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 27 June 2006
- Valid until / renewal due
- 27 June 2026
1XS
Owner Western Provident Association Limited · classes 36
- Filed / designated
- 14 March 2006
- Valid until / renewal due
- 14 March 2026
This is an exact normalised company-name match, not a registrar-confirmed ownership link. Another legal entity can have the same or a very similar name. UKIPO data is a historical 2018 snapshot; verify the owner and current status before relying on it.
09 Ownership and control
People with significant control
No individual or entity with signficant control
- Notified
- 8 July 2016
PSC records are company-filed public-register information. When the exact same displayed individual name occurs at multiple companies, BritDB offers a non-indexed cross-reference page. It is a name match only, not proof that the records describe the same person. Service addresses and partial dates of birth are deliberately omitted.
10 Charity register
Charity Commission links
No exact company-number link in this snapshot
The Charity Commission extract did not explicitly associate this Companies House number with a charity. BritDB does not use a name-only match to fill the gap.
This company-level check covers the Charity Commission for England and Wales. Links are accepted only when the official extract supplies this exact company registration number. Scottish charities now have separate OSCR profiles, but OSCR’s bulk fields do not provide a Companies House number, so BritDB does not infer a company link.
11 Northern Ireland charity register
CCNI exact company links
No unambiguous company-number link found
The CCNI source number did not resolve uniquely to this Companies House record. BritDB did not use a name or address match.
CCNI publishes company numbers without a jurisdiction prefix. BritDB links only when the plausible padded UK and NI candidates resolve to exactly one Companies House company.
12 Sanctions screening
UK Sanctions List
No exact business-registration-number link found
The imported UK Sanctions List did not supply this Companies House number as a UK-linked business identifier. BritDB did not attempt a name-only match.
No exact link is not sanctions clearance. UK restrictions can apply through ownership or control even where an entity is not separately named. Always use the current official list and obtain appropriate advice for a legally significant decision.
13 Public procurement
Find a Tender links
Fulfilment of TUPE obligations 2026
Home Office · updated 23 June 2026
- Tender value
- Not supplied
- Awards
- 1
Private Medical Insurance 2025/26
Sovereign Network Group · updated 10 November 2025
- Tender value
- Not supplied
- Awards
- 1
These links use only the GB-COH identifier supplied in the procurement record. A company may have other public-sector work that is absent, older, below publication thresholds or published without a Companies House identifier.
14 Environmental register
Environment Agency waste registrations
No exact company-number registration linked
The licensed Environment Agency subset did not contain this exact Companies House number. BritDB did not attempt a name-only match.
This is a privacy-reduced, exact-company subset. The full official register also includes sole traders and applicants without a matching Companies House number. Check the current Environment Agency register before relying on registration status.
15 Nature of business
Standard Industrial Classification
16 Connected public record
Checks beyond the company register
Charity Commission
0 exact company-number links.
Northern Ireland charities
0 unambiguous company-number links.
Public contracts
2 procurement processes linked by exact GB-COH identifier.
Waste register
0 exact company-number registrations.
Corporate notices
The Gazette is not yet connected.
UK Sanctions List
No exact business-registration-number link in this report.
A checked source with no exact link is not a clean bill of health. Unchecked sources remain unknown, while sanctions may also apply through ownership or control of a listed person or entity.
17 Record timeline
Dates in the bulk record
- Confirmation statement
Latest confirmation statement made up to this date
- Accounts
Latest accounts made up to this date
- Incorporation
Company incorporated
18 Provenance
Sources for this profile
Identity, address, status, dates, SIC, previous names and mortgage totals.
Annual employer reports linked by the exact source-supplied Companies House number.
Statutory supplier-payment reports linked by the exact source-supplied Companies House number.
Global legal identities linked through Companies House registration authority RA000585.
Annual statement summaries linked by exact source company number.
Privacy-reduced candidate associations based on a unique exact name-and-postcode match.
Historic awards linked by exact source-supplied GB-COH company identifier.
Current and ceased significant-control records joined by exact company number.
Daily England and Wales extract matched only by the official company registration number.
Daily CCNI export with company links only where the source number resolves unambiguously.
Complete FCDO list checked by exact UK-linked business registration number.
Procurement parties checked only through exact GB-COH identifiers.
Licensed subset linked only by exact Companies House number.
Financial regulation and licences.
Companies House, Charity Commission, OSCR and UK Sanctions List information is public-register data. BritDB reproduces and organises it with source-specific limits; official external links are kept on the dedicated source pages.