Allcover Insurance Brokers Ltd

Reference number: 304931

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When bbrown.com first appeared online, and whether it can receive email
  • What kind of line 01277 582552 is, and the other firm that gives it
  • Who else gives the postcode CM12 0EQ
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Other names (5)

If you were contacted under any of these names, it is this firm.

  • F J Lock Former trading name
  • LDS Associates Former trading name
  • Paul Baker Insurance Services Former trading name
  • PremierCare Former trading name
  • PremierCare Finchley Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
05040684
Company status
Active
Company type
Private limited company
Incorporated
11 February 2004 (22 years old)
Registered office
7th Floor Corn Exchange, 55 Mark Lane, London, EC3R 7NE, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew James Hartigan Director Oct 1973 1 Feb 2026 19 other companies

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
19
closed down
5
are FCA-registered
4

In the full report: all 19 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register
  • All 9 people who have ever been directors, with their dates
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Key dates in its history

Allcover Insurance Brokers’s history from the FCA register and Companies House, newest first.

Key events (8) All events (38)

2026

31 January 2026

  • Board replaced: its only director left and a new director took over

Companies House

2019

4 February 2019

  • Derek Lyons no longer has significant control

Companies House

2016

6 April 2016

  • Derek Lyons gained significant control
  • Trimulgherry Investments Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2004

11 February 2004

  • Incorporated at Companies House

Companies House

In the full report: all 38 events

  • All 38 events in its history (8 shown here)
  • Every director appointment and resignation: 17
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Firms connected to Allcover Insurance Brokers

Other FCA-listed firms that share a director, phone number or address with Allcover Insurance Brokers. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share a director
3
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Allcover Insurance Brokers

Other firms of the same type (insurance broker), nearest first.

In Essex

A Kerry Services LimitedEssexAuthorisedBrents of Brentwood LimitedEssexAuthorisedERB Commercial Risks LimitedEssexAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Allcover Insurance Brokers

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 19 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 38 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Allcover Insurance Brokers Ltd FCA authorised?
Yes, Allcover Insurance Brokers Ltd (FRN 304931) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Allcover Insurance Brokers’ phone number and website?
The FCA register lists the phone number 01277 582552 and the website bbrown.com/uk/billericay-previously-allcover-lds-bhk-rmk-pmis for Allcover Insurance Brokers. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Allcover Insurance Brokers a scam or clone?
Allcover Insurance Brokers is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Allcover Insurance Brokers?
It is permitted to hold and control client money, which it must keep separate from its own. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Allcover Insurance Brokers to the Financial Ombudsman Service, free of charge.
Who owns Allcover Insurance Brokers?
Allcover Insurance Brokers is owned by Trimulgherry Investments Limited, which holds 75–100% of shares, since 6 April 2016. Before that, it was controlled by Mr Derek Lyons.
Who runs Allcover Insurance Brokers?
Companies House lists one director of Allcover Insurance Brokers: Matthew James Hartigan.
How long has Allcover Insurance Brokers been in business?
The company was formed on 11 February 2004, and has held its current FCA authorisation since January 2005.
Does Allcover Insurance Brokers use any other names?
It has previously used 5 other names, including F J Lock, LDS Associates and Paul Baker Insurance Services.

Sources and links

The full report on Allcover Insurance Brokers Ltd

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