Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 12 years
- Protected through the principal
- No FCA actions
- Active company since 2013
- Accounts filed up to 31 December 2024
Responsible principal firm
Independent Broking Solutions Limited Reference number: 312026 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- AmeriCover Limited (FRN 612199) is an AR of Independent Broking Solutions Limited (FRN 312026). When you use AmeriCover's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from AmeriCover, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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No website on the FCA register
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Phone number
Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.
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Address
5 Churchwell Avenue, Easthorpe, Colchester, Essex, CO5 9HN, United Kingdom
In the full report: 2 background checks
- What kind of line 020 3621 4759 is, and the 23 other firms that give it
- Who else gives the postcode CO5 9HN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Independent Broking Solutions Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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.
- Company number
- 08550086 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 May 2013 (13 years old)
- Registered office
- 5 Churchwell Avenue, Easthorpe, Colchester, Essex, CO5 9HN, England
- Nature of business
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- Non-life insurance (SIC 65120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicholas Beresford Readings | Director | Jun 1952 | 30 May 2013 | 57 other companies |
| Lourene Lopez | Secretary | Not published | 6 Sep 2022 | – |
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
- 57
- closed down
- 28
- are FCA-registered
- 15
In the full report: all 57 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 15 on the FCA register
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£23.2k
Same as £23.2k
Employees (average)
1
Same as 1
Owed within a year
£43.4k
Same as £43.4k
Net assets
In the full report: all 6 years of accounts
- Every year from 2019 to 2024
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 08550086. Figures are exactly as filed; nothing is estimated.
Key dates in its history
AmeriCover’s history from the FCA register and Companies House, newest first.
2026
12 August 2026
- Nicholas Beresford Readings took control (75–100% of shares)
- Timothy Lee Wahl gave up control
Companies House
2016
6 April 2016
- Timothy Lee Wahl took control (75–100% of shares)
Companies House
2013
23 December 2013
- Became an appointed representative
FCA register
30 May 2013
- Incorporated at Companies House
Companies House
In the full report: all 8 events
- All 8 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms connected to AmeriCover
Other FCA-listed firms that share a director, phone number or address with AmeriCover. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 12
- share a director
- 12
- share its phone number
- 9
In the full report: all 12 connected firms, named
- How each is linked: shared directors (12), the same phone number (9), the same postcode (2)
- Who links each one: the named directors, with dates
Firms like AmeriCover
Other firms of the same type (insurance broker), nearest first.
In Colchester
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 AmeriCover
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 57 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 8 events in its history
- 12 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs AmeriCover?
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What do AmeriCover’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk