River Thames Insurance Company (clone of FCA authorised firm)
Also known as: River Thames Insurance Company (clone of FCA authorised firm)
Summary
Cloned Firm
| Licence / Registration | Firm Name: River Thames Insurance Company Limited Firm Reference Number: 202320 Address: c/o Enstar (EU) Limited 8th Floor, One Creechurch Place London, EC3A 5AY, UNITED KINGDOM Telephone: +4402076804100 |
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Scam Snapshot
| Website URL | https://www.riverthamesinsurance.com/ |
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| Known Email | [email protected] |
Contents
Filed under: Financial Institution Clone
Full Analysis
What Is This Scam?
This is a clone fraud operation in which scammers impersonate River Thames Insurance Company Limited, an FCA-authorised financial services firm. The fraudsters operate fake websites and email addresses designed to deceive consumers into believing they are dealing with a legitimate, regulated insurance provider. This type of scam targets individuals seeking insurance products or investment services, exploiting the trust associated with regulated financial institutions. Victims may be directed to provide personal information, banking details, or payments for non-existent insurance policies or fraudulent investment schemes.
Who Are They Impersonating?
The legitimate firm being impersonated is River Thames Insurance Company Limited, which is genuinely authorised and regulated by the Financial Conduct Authority (FCA). The authentic company operates under the following details:
- Firm Name: River Thames Insurance Company Limited
- FCA Firm Reference Number: 202320
- Registered Address: c/o Enstar (EU) Limited, 8th Floor, One Creechurch Place, London, EC3A 5AY, United Kingdom
- Telephone: +44 (0) 207 680 4100
- Regulatory Authority: Financial Conduct Authority (www.fca.org.uk)
The genuine firm is properly regulated and can be verified through official FCA channels. Consumers should always check the FCA register directly before engaging with any insurance provider.
Evidence & Regulatory Action
The Financial Conduct Authority has formally identified and warned the public about this clone operation. According to the FCA's official warning issued on 6 November 2024, this is an unauthorised firm using the details of the genuine FCA-regulated River Thames Insurance Company Limited.
The clone operation uses the following fraudulent contact details:
- Scam Website: https://www.riverthamesinsurance.com/
- Fraudulent Email: [email protected]
- Phone Numbers Associated with Clone: 208 243 8507, 208 243 8557
The FCA register entry for this unauthorised firm confirms that this operation is not licensed to conduct regulated financial activities in the United Kingdom.
Red Flags
- Website domain (riverthamesinsurance.com) differs from the legitimate firm's official domain
- Email address uses generic domain instead of official business email infrastructure
- Unsolicited contact offering insurance or investment products
- Requests for upfront payments before providing services
- Pressure to act quickly or bypass standard verification procedures
- Inability to verify the firm on the official FCA register using the provided contact details
- Phone numbers that do not match the legitimate firm's published contact information
What To Do If You Have Been Contacted
If you have been contacted by this scam operation, take the following steps:
- Do not provide any personal information, banking details, or payment information
- Do not click links or download attachments from suspicious emails
- Verify the firm independently by visiting www.fca.org.uk and using the FCA register to search for the firm reference number 202320
- Contact the legitimate River Thames Insurance Company directly using the verified telephone number +44 (0) 207 680 4100 to confirm whether contact was genuinely made on their behalf
- Report the scam to Action Fraud (www.actionfraud.police.uk) or your local police force
- Report the fraudulent website and email address to the FCA
- Alert your bank or financial institution if you have already shared account details