What is an Appointed Representative?

Section 39 of the Financial Services & Markets Act describes an AR as a person who:

(a) Is a party to a contract with an authorised person (his principal) which:
(i) Permits or requires him to carry on business of a description prescribed in the AR Regulations; and
(ii) Complies with such requirements as are prescribed in those Regulations; and

(b) Is someone for whose activities in carrying on the whole or part of that business his principal has accepted responsibility in writing and who is therefore an exempt person in relation to any regulated activity comprised in the carrying on of that business for which his principal has accepted responsibility.

In layman’s terms:

Gauntlet is passionate about delivering our clients an unparalleled level of service and value, and striving to build the kind of relationships that keep our customers coming back year after year. As a self-employed sales person, this is not for the faint hearted; being an AR of Gauntlet will leave you at the forefront of delivering our vision.

From day one we will expect you to hit the ground running, but that’s not to say we won’t support you all the way. As well as a comprehensive induction day, learning all of the systems and processes that will help to make you a successful sales person, we will also offer regular training days designed specifically around you and your continuing professional development needs.

As well as prospecting for new business and ensuring your clients receive the correct levels of cover, you will be given full control of your new clients servicing needs, expected to maintain and build on the relationships that you create, as well as managing compliance documentation in line with FCA requirements. You will be responsible for managing your own work load on a daily basis. You will be given the tools you need to write yourself an on-going business plan, and you will be held to account for agreed targets and deadlines.

Why become an Appointed Representative?

Here’s 10 good reasons for a start:

With Gauntlet you get:

  1. Control –  Its your business
  2. Client ownership – you own your customer base, providing the opportunity to create a valuable asset
  3. Easy set-up - you can work from anywhere in the world  by using our paperless office
  4. Broking support
    Gauntlet can handle:
    • Broking of new and renewal business in conjunction with you.
    • Set up client records
    • Check policy documentation when issued
    • Deal with mid term alterations and queries
    • Collect premiums due
    • Deal with claims in conjunction with you.
  5. Buying power - As part of the Willis Commercial Network we have excellent relationships with a number of insurers, both composite and Lloyds markets. We have over 260 insurer agencies and access to several exclusive facilities.
  6. FCA approval. As an Appointed Representative you would benefit from our FCA authorisation which can take in excess of 6 months if going directly authorised
  7. Professional Indemnity Insurance
    This is automatically provided when you become an Appointed Representative
  8. Complete business accounting deal with all client account transactions. If required, we will provide a payroll & purchase ledger function and provide you with management accounts.
  9. Start up finance
    In certain circumstances we can discuss start up finance
  10. The chance to forge your destiny and realise your potential – get in touch today!

Who are Gauntlet?

Formed in 1994, Gauntlet are an independently owned Insurance Broker with strong UK and
International connections including a large Appointed Representative (AR) network.

Who would this suit? Currently “Becoming an Appointed Representative”

Existing Insurance Brokers

Dealing with FCA compliance, IT upgrades and maintaining Insurer relationships soaks up valuable customer contact time.

By outsourcing the back office work to Gauntlet more time can be spent generating new business, looking after existing business or spending more time doing what you want to do.

Account Executives with good customer base

Your customer base is valuable – at the moment to someone else? We strongly discourage breaching employment contract restraints that may exist but recognise that people deal with people. If you have built a strong customer following before, with Gauntlet’s help you can do this again.

Ambitious Sales Executives

You don’t need a customer base that may follow you after any restraint clause expires. If you are a confident sales person and like a challenge this route may be for you.

Current AR’s of another network

If you are currently acting as an AR for another network, Gauntlet would be interested in speaking to you and explaining our proposition.

Will I be able to eventually form my own insurance brokerage?

  • Absolutely and this is something we would actively encourage. Quite simply, someone who has

    the ambition to become a Broker in their own right will undoubtedly be a driven and effective AR

    so your ambition will produce good results for both you and Gauntlet.

What will I need to become an appointed representative?


You will need to generate new business.


Gauntlet has built a reputation for professionalism and integrity. Only those who can demonstrate this whilst maintaining Gauntlet's standards will be accepted.


Setting up your own business takes time, money and energy. We will help you create your business plan which will show what needs to be achieved in the first three years and what your financial commitment and returns will be.

In return we look for a minimum commitment from you of 12 months followed by 90 days notice to terminate our agreement.

Computer systems

You will need a computer capable of internet access and the Microsoft office suite.

The hardware you will need are a scanner, a fax machine and a telephone line. 

Office space

Depending on the size of your planned business, you can either work from a laptop anywhere that you have internet access, or you can set up your own office.


You will need to see clients and as such will need to have your own transport