TXT In plain English
Company description
BUPA INSURANCE LIMITED is a UK company whose Companies House status is “Active” and whose registered company type is “Private Limited Company”. Incorporated on 27 March 2000; registered for 26 years; registered office reported in LONDON, UNITED KINGDOM. Its primary declared activity is 65120 · Non-life insurance.
This BritDB profile also contains linked public records: 1 PSC record, 5 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
- BUPA INSURANCE LIMITED
- Company number
- 03956433
- Company type
- Private Limited Company
- Status
- Active
- Country of origin
- United Kingdom
- Dissolution date
- Not supplied
- Accounts category
- FULL
- 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
20 June 2026Next statement due
4 July 2027BritDB does not infer overdue status when the source does not state it.
03 Supplier payments
Payment practices and performance
- Reporting period
- 1 January 2026 – 30 June 2026
- Filed
- 27 July 2026
- Shortest standard term
- 45 days
- Longest standard term
- 75 days
- E-invoicing offered
- Yes
- Supply-chain finance
- Not offered
- Payment codes
- No
- Construction retentions
- Reported as used
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
- £154,921
- Invoice value paid in 31–60 days
- £694,138
- Invoice value paid after 60 days
- £0
- Invoice value paid outside agreed terms
- £0
- Invoices paid in 31–60 days
- 6.0%
- Invoices unpaid due to dispute
- 0.0%
- Maximum contractual payment period
- 75 days
- Supplier-list charging policy
- No
- Supplier-list charges made
- No
Retention circumstances
We apply retention clauses in all Joint Contracts Tribunal (JCT) construction contracts, which we use for our major construction and renovation projects. These clauses are included as standard and are not removed. We do not use retention provisions in any other type of construction contract.
JCT contracts are widely recognised across the UK construction industry and provide a consistent and well‑understood framework for both Bupa and our contractors. Including retention provisions in these contracts is an established industry practice designed to offer protection and assurance during the delivery of significant construction works.
Retention release
Retention monies are released in staged payments aligned to agreed construction milestones. Typically, a portion of the retention is released when the project reaches practical completion. The remaining balance (subject to any outstanding claims) is released at the end of the defects liability period, once all identified defects have been fully resolved and formally signed off.
Retention release stages
Retention monies are released at defined stages throughout the contract:
Practical completion: Usually 50% of the retention is returned once the works are completed to the required standard.
End of the defects liability period: The remaining balance is released following certification that all defects have been addressed, typically around 12 months after practical completion.
The release mechanism follows standard JCT provisions, is specific to each contract and is not linked to performance on any other project or contractual obligation.
- Retention in all contracts
- No
- Retention in standard terms
- No
- Retention threshold
- Not supplied
- Standard retention rate
- 5.0%
- Retention compared with client
- 100.0%
- Retention compared with payments
- 3.0%
Reported terms and dispute process
- Standard payment terms
Our standard payment terms are to pay suppliers within 45 days from the end of the month in which we receive the relevant valid invoice from the supplier. We will always try to trade on these terms with all suppliers, except where there are material circumstances which may alter this standard approach.
- Other payment-term information
Bupa will extend more favourable terms of 30 day to SME, where requested.
- Dispute resolution process
Bupa seeks an amicable resolution of any supplier invoice disputes or escalations (or any other disputes). Invoices should be sent to APinvoices@bupa.com with a valid purchase order (where applicable). Bupa’s standard terms and conditions can be found here (https://procurement.bupa.com/web/pdfs/uk_standard_terms__conditions_of_purchase.pdf) which contain full details.
If the supplier has a dispute, they wish to raise they should notify Bupa in writing setting out full details of the issue in dispute formally (and to contractnotices@bupa.com). The dispute will be assessed by the Bupa representatives. Bupa will seek to resolve dispute within 15 business days.
If the parties are unable to resolve the dispute within 15 business days (despite endeavouring to promptly resolve) they are free to initiate further proceedings (whether Alternative Dispute Resolution or court proceedings).
Earlier payment reports (11 shown)
- 13.0 average days to pay0.0% outside terms
- 20.0 average days to pay5.0% outside terms
- 26.0 average days to pay4.0% outside terms
- 14.0 average days to pay0.0% outside terms
- 11.0 average days to pay4.0% outside terms
- 23.0 average days to pay23.0% outside terms
- 30.0 average days to pay0.0% outside terms
- 30.0 average days to pay0.0% outside terms
- 27.0 average days to pay14.0% outside terms
- 35.0 average days to pay17.0% outside terms
- 33.0 average days to pay13.0% 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.
04 Global legal identity
Legal Entity Identifier
BUPA INSURANCE LIMITED
LEI 549300INUTLX8PYTQR63 · jurisdiction GB
- Legal form
- H0PO
- Entity category
- GENERAL
- Entity created
- 27 March 2000
- Initial LEI registration
- 13 January 2014
- LEI last updated
- 27 August 2026
- Next renewal
- 29 September 2027
- Managing LOU
- 213800WAVVOPS85N2205
- Other legal names
- OFFICECARD LIMITED
- Legal address
- 1 ANGEL COURT, LONDON, GB-LND, EC2R 7HJ, GB
- Headquarters address
- 1 ANGEL COURT, LONDON, GB-LND, EC2R 7HJ, GB
GLEIF Level 2 relationships
IS DIRECTLY CONSOLIDATED BY
From LEI 549300INUTLX8PYTQR63 to LEI ZIMCVQHUFZ8GVHENP290
- Related legal entity
- BUPA FINANCE PLC. →
- Initial registration
- 13 January 2014
- Last updated
- 27 August 2026
- Next renewal
- 29 September 2027
- Validation sources
- FULLY_CORROBORATED
- Validation documents
- ACCOUNTS_FILING
- Relationship periods
- Start: 2025-01-01T00:00:00Z; End: 2025-12-31T00:00:00Z; Type: ACCOUNTING_PERIOD; Start: 2023-02-27T00:00:00Z; Type: RELATIONSHIP_PERIOD
- Qualifiers
- Dimension: ACCOUNTING_STANDARD; Category: OTHER_ACCOUNTING_STANDARD
- Validation reference
- https://find-and-update.company-information.service.gov.uk/company/03956433/filing-history/MzUxMzE0MjI4NmFkaXF6a2N4/document?format=pdf&download=0
IS ULTIMATELY CONSOLIDATED BY
From LEI 549300INUTLX8PYTQR63 to LEI 549300T5K5C5DBHXMC67
- Related legal entity
- BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE) →
- Initial registration
- 13 January 2014
- Last updated
- 27 August 2026
- Next renewal
- 29 September 2027
- Validation sources
- FULLY_CORROBORATED
- Validation documents
- ACCOUNTS_FILING
- Relationship periods
- Start: 2025-01-01T00:00:00Z; End: 2025-12-31T00:00:00Z; Type: ACCOUNTING_PERIOD; Start: 2017-09-14T00:00:00Z; Type: RELATIONSHIP_PERIOD
- Qualifiers
- Dimension: ACCOUNTING_STANDARD; Category: OTHER_ACCOUNTING_STANDARD
- Validation reference
- https://find-and-update.company-information.service.gov.uk/company/03956433/filing-history/MzUxMzE0MjI4NmFkaXF6a2N4/document?format=pdf&download=0
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.
05 Supply-chain transparency
Modern slavery statement
- Organisation
- BUPA INSURANCE LIMITED
- Group submission
- Yes
- Parent organisation
- BRITISH UNITED PROVIDENT ASSOCIATION LIMITED(THE)
- Statement period
- 1 January 2025 – 31 December 2025
- Approved
- 12 May 2026
- Sectors
- Financial, insurance and real estate activities Healthcare and pharmaceuticals
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
Covered in the statement
Full statement information supplied to the registry
- Reported turnover band
- Over £500 million
- Years producing statements
- More than 5 years
- ILO indicators included
- Not answered
- Registry record updated
- 9 June 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.
06 Data protection
ICO fee-payer registration
Bupa Insurance Limited
Registration Z5272319
- Registered from
- 12 February 2001
- Current end date
- 11 February 2027
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.
07 Public procurement
Contracts Finder awards
PRN004446 Provision of Health Cash Plan 2024
NOTTINGHAMSHIRE FIRE AND RESCUE SERVICE · ocds-b5fd17-63dc61bc-9bd7-48f7-ab30-bc81c49574d7
- Supplier named in award
- BUPA
- Award value
- £48,827.28
- Contract period
- 1 January 2025 – 31 December 2026
- Published
- 10 December 2024
- Procedure
- Open procedure (below threshold)
- Main CPV
- 66512200
- Source release ID
- ocds-b5fd17-63dc61bc-9bd7-48f7-ab30-bc81c49574d7-2024-12-10T10:35:54Z
Employee Health Cashplan
SOUTHERN HOUSING · ocds-b5fd17-701c4a15-fa24-408c-9930-ccb1ab9be0ca
- Supplier named in award
- BUPA INSURANCE LTD
- Award value
- £429,300
- Contract period
- 1 December 2023 – 30 November 2026
- Published
- 30 May 2024
- Procedure
- Single tender action (below threshold)
- Main CPV
- 66510000
- Source release ID
- ocds-b5fd17-701c4a15-fa24-408c-9930-ccb1ab9be0ca-2024-05-30T14:25:05+01:00
Athlete Medical Insurance Scheme
THE UNITED KINGDOM SPORTS COUNCIL · ocds-b5fd17-13b929d8-a41e-49ed-9ca6-4fc862b9f5e2
- Supplier named in award
- BUPA Insurance Limited
- Award value
- £6,929,724.96
- Contract period
- 1 April 2019 – 31 March 2022
- Published
- 28 June 2019
- Procedure
- Open procedure (above threshold)
- Main CPV
- 66000000
- Source release ID
- ocds-b5fd17-13b929d8-a41e-49ed-9ca6-4fc862b9f5e2-2019-06-28T09:46:32+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.
08 Ownership and control
People with significant control
Bupa Finance Plc
- Owns 75% or more of shares
- Controls 75% or more of voting rights
- Can appoint or remove directors
- Country registered
- England
- Legal authority
- United Kingdom (England)
- Legal form
- Public Limited Company
- Place registered
- Companies House
- Registration number
- 2779134
- Notified
- 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.
09 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.
10 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.
11 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.
12 Public procurement
Find a Tender links
Private Medical Insurance
FLOOD RE LIMITED · updated 8 July 2026
- Tender value
- Not supplied
- Awards
- 1
Private Medical Healthcare
British Transport Police Authority · updated 24 June 2026
- 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.
13 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.
14 Nature of business
Standard Industrial Classification
15 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.
16 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
17 Provenance
Sources for this profile
Identity, address, status, dates, SIC, previous names and mortgage totals.
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.