Bright Cover Ltd

Reference number: 823104

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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 bright-cover.co.uk first appeared online, and whether it can receive email
  • What kind of line 01909 496592 is
  • Who else gives the postcode S26 5RU
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FCA permissions and consumer protection

  • 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.
  • 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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (5 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
  • 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.

Company number
10908883
Company status
Active
Company type
Private limited company
Incorporated
10 August 2017 (9 years old)
Registered office
20 Lodge Hill Drive, Kiveton Park, Sheffield, S26 5RU, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Hanley Director Dec 1985 1 Sep 2017 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 August 2026Micro-entity accountsNot audited

Total equity

£5,910

−24% from £7,780

Employees (average)

1

Same as 1

Owed within a year

£21.7k

+38% from £15.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 10908883. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Bright Cover’s history from the FCA register and Companies House, newest first.

Key events (12) All events (18)

2019

27 March 2019

  • Luke Jason Walker stopped being a part-owner

Companies House

14 January 2019

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2018

8 October 2018

  • Luke Jason Walker became a part-owner (25–50% of shares)
  • Steven Hanley took control (75–100% of shares)

Companies House

2017

22 September 2017

  • Luke Jason Walker became a part-owner (25–50% of shares)
  • Luke Jason Walker stopped being a part-owner
  • Steven Hanley became a part-owner (25–50% of shares)
  • Steven Hanley stopped being a part-owner

Companies House

1 September 2017

  • Ashton Louise Liversidge gave up control

Companies House

10 August 2017

  • Incorporated at Companies House
  • Ashton Louise Liversidge took control (75–100% of shares)

Companies House

In the full report: all 18 events

  • All 18 events in its history (12 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Bright Cover

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Bright Cover

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

In Sheffield

Actus Risk Management Services LtdSheffieldAuthorisedClearcover LimitedSheffieldAuthorisedEnterprise General Insurance BrokersSheffieldAuthorisedEximia Broking LimitedSheffieldAuthorisedGemini Health and Protection Ltd.SheffieldAuthorisedHarmer Healey LtdSheffieldAuthorised

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 Bright Cover

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 18 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Bright Cover Ltd FCA authorised?
Yes, Bright Cover Ltd (FRN 823104) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2019 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Bright Cover’s phone number and website?
The FCA register lists the phone number 01909 496592 and the website bright-cover.co.uk for Bright Cover. If you were given different contact details, use these to check with the firm before going any further.
Is Bright Cover a scam or clone?
Bright Cover 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 Bright Cover?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Bright Cover to the Financial Ombudsman Service, free of charge.
Who owns Bright Cover?
Companies House lists one person with significant control of Bright Cover: Mr Steven Hanley (75–100% of shares). Before that, it was controlled by Mr Luke Jason Walker, Miss Ashton Louise Liversidge and Ms Ashton Louise Liversidge.
Who runs Bright Cover?
Companies House lists one director of Bright Cover: Steven Hanley.
How long has Bright Cover been in business?
The company was formed on 10 August 2017, and has held its current FCA authorisation since January 2019.
What do Bright Cover’s latest accounts show?
Its latest accounts, to 31 August 2026, show total equity of £5,910 (−24% from £7,780).

Sources and links

The full report on Bright Cover Ltd

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