Cheaper Insurance Direct Ltd

Reference number: 300567

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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 cheaperinsurancedirect.com first appeared online, and whether it can receive email
  • What kind of line 01389 604060 is
  • Who else gives the postcode G82 1DL
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Other names (2)

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

  • CID Trading name
  • Cheaper Car Insurance Services Ltd Former name

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)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • 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
SC217135
Company status
Active
Company type
Private limited company
Incorporated
21 March 2001 (25 years old)
Registered office
4 Burnside Terrace, Dumbarton, G82 1DL
Nature of business
  • Non-life insurance (SIC 65120)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Alexander Primrose Couper Director Oct 1959 28 Mar 2001 None
Alexander Murdo Couper Director Nov 1986 4 Jul 2024 None
Muriel Couper Secretary Not published 28 Mar 2001 –

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 30 June 2026Micro-entity accountsNot audited

Net assets

£73.0k

−11% from £82.1k

Employees (average)

8

Same as 8

Owed within a year

£6,481

−58% from £15.6k

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2019 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 SC217135. 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

Cheaper Insurance Direct’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2024

1 August 2024

  • Alexander Murdo Couper became a part-owner (25–50% of shares)

Companies House

2016

1 July 2016

  • Alexander Primrose Couper took control (75–100% of shares)

Companies House

2015

18 June 2015

  • Changed its registered name from "Cheaper Car Insurance Services Ltd"

FCA register

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

2001

21 March 2001

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms like Cheaper Insurance Direct

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

In the Glasgow (G) postcode area

Advanta Risk LtdGlasgowAuthorisedAffinity Brokers LimitedGlasgowAuthorisedAllan Johnston and CompanyGlasgowAuthorisedAlliance Financial LTDGlasgowAuthorisedAndrew Yule LimitedGlasgowAuthorisedAshley Baxter LimitedGlasgowAuthorised

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 Cheaper Insurance Direct

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
  • 8 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Cheaper Insurance Direct Ltd FCA authorised?
Yes, Cheaper Insurance Direct Ltd (FRN 300567) 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 Cheaper Insurance Direct’s phone number and website?
The FCA register lists the phone number 01389 604060 and the website cheaperinsurancedirect.com for Cheaper Insurance Direct. If you were given different contact details, use these to check with the firm before going any further.
Is Cheaper Insurance Direct a scam or clone?
Cheaper Insurance Direct 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 Cheaper Insurance Direct?
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 Cheaper Insurance Direct to the Financial Ombudsman Service, free of charge.
Who owns Cheaper Insurance Direct?
Companies House lists 2 people with significant control of Cheaper Insurance Direct: Mr Alexander Primrose Couper (75–100% of shares) and Mr Alexander Murdo Couper (25–50% of shares).
Who runs Cheaper Insurance Direct?
Companies House lists 2 directors of Cheaper Insurance Direct: Alexander Primrose Couper and Alexander Murdo Couper.
How long has Cheaper Insurance Direct been in business?
The company was formed on 21 March 2001, and has held its current FCA authorisation since January 2005.
What do Cheaper Insurance Direct’s latest accounts show?
Its latest accounts, to 30 June 2026, show net assets of £73.0k (−11% from £82.1k).
Does Cheaper Insurance Direct use any other names?
It trades as CID. It has previously used the name Cheaper Car Insurance Services Ltd.

Sources and links

The full report on Cheaper Insurance Direct Ltd

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