01 Company overview
Identity and registration
- Official name
- INSURANCE FACTORY LIMITED
- Company number
- 02982445
- Company type
- Private Limited Company
- Status
- Active
- Country of origin
- United Kingdom
- Dissolution date
- Not supplied
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 2024Next accounts due
30 September 2026Last statement made up to
14 July 2026Next statement due
28 July 2027BritDB does not infer overdue status when the source does not state it.
03 Workforce reporting
Gender pay gap
- Median bonus gap
- 57.4%
- Mean bonus gap
- 73.1%
- Women receiving bonus
- 41.8%
- Men receiving bonus
- 49.4%
- Women in top quartile
- 30.0%
- Women in lower quartile
- 62.3%
Earlier reporting years (6)
- 500 to 9993.7% median hourly gap
- 500 to 9993.7% median hourly gap
- 1000 to 49994.1% median hourly gap
- 500 to 9995.9% median hourly gap
- 250 to 4994.0% median hourly gap
- 500 to 99912.8% 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
- 30 July 2026
- Shortest standard term
- 14 days
- Longest standard term
- 30 days
- E-invoicing offered
- No
- Supply-chain finance
- Not offered
- Payment codes
- No
- Construction retentions
- No qualifying construction contracts
Reported terms and dispute process
- Standard payment terms
30 days from date of invoice
- Dispute resolution process
Suppliers are contacted to notify them if there is an issue with the invoice, service or goods. The business representative who ordered the goods/services from the supplier then works to resolve any issue with their contact at the supplier. The supplier can also contact the finance team regarding payment. Disputes will be escalated up the management chain if not satisfactorily resolved.
Earlier payment reports (7 shown)
- 41.0 average days to pay74.0% outside terms
- 52.0 average days to pay58.0% outside terms
- 47.0 average days to pay5.0% outside terms
- 36.0 average days to pay16.0% outside terms
- 35.0 average days to pay22.0% outside terms
- 31.0 average days to pay6.0% outside terms
- 54.0 average days to pay5.0% 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 Supply-chain transparency
Modern slavery statement
- Organisation
- INSURANCE FACTORY LIMITED
- Group submission
- Yes
- Parent organisation
- MARKERSTUDY GROUP HOLDINGS LIMITED
- Statement period
- 1 January 2024 – 31 December 2024
- Approved
- 30 June 2025
- Sectors
- 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
Earlier linked statements (1)
- INSURANCE FACTORY LIMITED31 December 2020
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.
06 Data protection
ICO fee-payer registration
Insurance Factory Limited
Registration Z7031675
- Registered from
- 13 August 2002
- Current end date
- 12 August 2027
- Trading names
- Gadgetcover, BICY, SmartDriver, PurelyPets, Petwise, Paws and Claws, UIS, Insurance Factory, Equesure, Motorhome Protect, REIS Motorsport Insurance, The Taxi Insurer, Lancaster Insurance Services, Insurance Factory.com, Mobilers, Mobilers Insurance Services, The Insurance Factory, MasterQuote, REIS, Insurance Choice, Insurance Factory Commercial
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.
TM UK trade marks
Exact owner-name matches
EQUESUREEQUINE INSURANCE
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 22 October 2016
- Valid until / renewal due
- 22 October 2026
Caterers Club
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 22 October 2016
- Valid until / renewal due
- 22 October 2026
MOBILERS
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 22 October 2016
- Valid until / renewal due
- 22 October 2026
DISTINCT BUSINESS INSURANCE
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 5 August 2016
- Valid until / renewal due
- 5 August 2026
MY INSURANCE SHOP
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 5 August 2016
- Valid until / renewal due
- 5 August 2026
LANCASTER INSURANCE
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 9 June 2016
- Valid until / renewal due
- 9 June 2026
LANCASTER INSURANCE
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 28 April 2016
- Valid until / renewal due
- 28 April 2026
the insurance factory
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 13 April 2016
- Valid until / renewal due
- 13 April 2026
insurance shop
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 13 April 2016
- Valid until / renewal due
- 13 April 2026
sureterm direct
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 13 April 2016
- Valid until / renewal due
- 13 April 2026
INSURANCE FACTORY
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 2 February 2016
- Valid until / renewal due
- 2 February 2026
INSURANCE SHOP
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 2 February 2016
- Valid until / renewal due
- 2 February 2026
sureterm
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 2 February 2016
- Valid until / renewal due
- 2 February 2026
SURETERM DIRECT
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 2 February 2016
- Valid until / renewal due
- 2 February 2026
EQUESURE
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 26 January 2011
- Valid until / renewal due
- 26 January 2021
CATERFUND Business Finance Without Breaking the Bank!
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 8 February 2007
- Valid until / renewal due
- 8 February 2027
CATER SPACE WEB DESIGN AND HOSTING
Owner Insurance Factory Limited · classes 42
- Filed / designated
- 8 February 2007
- Valid until / renewal due
- 8 February 2027
CATERFIND
Owner Insurance Factory Limited · classes 35
- Filed / designated
- 11 July 2006
- Valid until / renewal due
- 11 July 2026
CATERS£LL
Owner Insurance Factory Limited · classes 35
- Filed / designated
- 11 July 2006
- Valid until / renewal due
- 11 July 2026
C caterers CLUB C
Owner Insurance Factory Limited · classes 35,36,42
- Filed / designated
- 15 February 2005
- Valid until / renewal due
- 15 February 2025
Sureterm
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 24 November 1998
- Valid until / renewal due
- 24 November 2018
LANCASTER INSURANCE SERVICES LIMITED
Owner Insurance Factory Limited · classes 36
- Filed / designated
- 23 January 1996
- Valid until / renewal due
- 23 January 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.
07 Ownership and control
People with significant control
Markerstudy Group Limited
- Owns 75% or more of shares
- Controls 75% or more of voting rights
- Can appoint or remove directors
- Notified
- 15 July 2021
Mr Kevin Ronald SpencerSee 51 companies with this PSC name →
- Owns 75% or more of shares
- Controls 75% or more of voting rights
- Can appoint or remove directors
- Nationality
- British
- Country of residence
- England
- Notified
- 25 June 2017
- Ceased
- 15 July 2021
Markerstudy Holdings Limited
- Owns 75% or more of shares
- Notified
- 6 April 2016
- Ceased
- 6 April 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.
08 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.
09 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.
10 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.
11 Public procurement
Find a Tender links
No exact GB-COH link in this snapshot
Find a Tender did not explicitly identify this Companies House number in a procurement party. BritDB did not attempt a name-only match.
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.
12 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.
13 Nature of business
Standard Industrial Classification
Non-life insurance
14 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
0 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.
15 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
16 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.
Annual statement summaries linked by exact source company number.
Privacy-reduced candidate associations based on a unique exact name-and-postcode match.
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.