Covea Insurance PLC

Reference number: 202277

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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 coveainsurance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 221 0444 is, and the other firm that gives it
  • Who else gives the postcode HX3 5AX
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Other names (5)

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

  • Provident Insurance Trading name
  • RSPCA Pet Insurance Trading name
  • MMA Insurance Plc Former name
  • Norman Insurance Company Limited Former name
  • RSPCA Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • 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.
  • 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 (12 permissions)
  • Accepting Deposits
  • 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
  • Carrying out contracts of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
220
upheld, against a 31% median
39%
about insurance
220

A bigger firm gets more complaints simply because it has more customers.

Companies House record

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

Company number
00613259
Company status
Active
Company type
Public limited company
Incorporated
20 October 1958 (68 years old)
Registered office
A&B Mills, Dean Clough, Halifax, HX3 5AX, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Moat Director Mar 1968 17 Mar 2021 1 other company
Georges De Macedo Director Oct 1981 9 May 2023 6 other companies
Jeffrey Niven Herdman Director Jan 1953 3 Oct 2023 7 other companies
Jonathan Lancelot Eddis Director May 1960 6 Nov 2023 8 other companies
Emeric De Souance Director Mar 1980 2 Jan 2024 2 other companies
Pascal Philippe Salelles Director Jul 1969 8 Jan 2026 None
Heather Roberta Mckinlay Director Jul 1971 23 Mar 2026 6 other companies
Philippe Domart Director Nov 1970 31 Mar 2026 5 other companies
Louride Sekhri Director Dec 1986 1 Apr 2026 1 other company
Laure Anne Lucie Carraud Director Dec 1982 1 Jun 2026 2 other companies
William Lindsay Mcgowan Secretary Not published 13 Jul 2026 –

Other companies run by these 10 directors

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
25
closed down
2
went insolvent
1

In the full report: all 25 companies, named

  • What each company does, and whether it is still trading
  • Which of these 10 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 10 on the FCA register
  • The 5 companies these 10 directors run together
  • All 70 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (9) All events (140)

2016

6 April 2016

  • Mma Holdings UK PLC took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2012

1 October 2012

  • Changed its registered name from "MMA Insurance Plc"

FCA register · Companies House

2001

1 December 2001

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

FCA register

2000

26 April 2000

  • Changed its registered name from "Norman Insurance Company Limited"

FCA register

1958

20 October 1958

  • Incorporated at Companies House

Companies House

1901

1 January 1901

  • Supervised by HM Treasury under the money laundering rules from this date

FCA register

In the full report: all 140 events

  • All 140 events in its history (9 shown here)
  • Every director appointment and resignation: 123
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Firms connected to Covea Insurance

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

connected firms
7
share a director
7
share its phone number
1

In the full report: all 7 connected firms, named

  • How each is linked: shared directors (7), the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 3 past links through former directors
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Firms like Covea Insurance

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

In Halifax

Covéa Life LimitedHalifaxAuthorised

Elsewhere in the UK

Chubb European Group SELondonAuthorisedRAC Insurance LimitedWalsallAuthorisedGreat Lakes Insurance UK LimitedLondonAuthorisedAviva Insurance LimitedNorwichAuthorisedAviva Life & Pensions UK LimitedYorkAuthorised

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 Covea Insurance

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

  • 25 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 140 events in its history
  • 7 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Covea Insurance PLC FCA authorised?
Yes, Covea Insurance PLC (FRN 202277) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as an insurer. The FCA has placed no limits on its permissions.
What is Covea Insurance’s phone number and website?
The FCA register lists the phone number 0330 221 0444 and the website coveainsurance.co.uk for Covea Insurance. 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 Covea Insurance a scam or clone?
Covea Insurance 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 Covea Insurance?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Covea Insurance to the Financial Ombudsman Service, free of charge.
Who owns Covea Insurance?
Covea Insurance is owned by Mma Holdings UK PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Covea Insurance?
Companies House lists 10 directors of Covea Insurance: Christopher Moat, Georges De Macedo, Jeffrey Niven Herdman, Jonathan Lancelot Eddis, Emeric De Souance, Pascal Philippe Salelles and 4 more.
How long has Covea Insurance been in business?
The company was formed on 20 October 1958, and has held its current FCA authorisation since December 2001.
How many complaints does Covea Insurance get?
In January–June 2025, the Financial Ombudsman Service received 220 new complaints about Covea Insurance, and upheld 39% of those it decided.
Does Covea Insurance use any other names?
It trades as Provident Insurance and RSPCA Pet Insurance. It has previously used 3 other names: MMA Insurance Plc, Norman Insurance Company Limited and RSPCA.

Sources and links

The full report on Covea Insurance PLC

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