Cover Direct Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 8 years
Your funds are protected by FSCS
No FCA actions
Active company since 2016
Accounts filed up to 31 December 2025

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.

Website

coverdirect.com (opens in a new tab)
Phone number

01489 663188
Address

Arena Business Centres, Building B, Riverside Way, Camberley, Surrey, GU15 3YL, United Kingdom

In the full report: 3 background checks

When coverdirect.com first appeared online, and whether it can receive email
What kind of line 01489 663188 is
Who else gives the postcode GU15 3YL

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.
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 (3 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
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: 10291957 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 22 July 2016 (10 years old)
Registered office: Arena Offices Building B, Riverside Way, Watchmoor Park, Camberley, GU15 3YL
Nature of business: Life insurance (SIC 65110)
Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Edward Hugh Kelway Le Vavasseur Dit Durell	Director	Jul 1982	19 Oct 2020	4 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: 4
closed down: 1
went insolvent: 2

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
The 2 that went into liquidation or administration
All 5 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£9,889

+143% from £4,062

Cash at bank

£2,171

No earlier figure to compare

Owed within a year

£555k

+20% from £464k

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2019 to 2025
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.

Accounts filed at Companies House for company 10291957. 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

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

Key events (10) All events (21)

2026

26 May 2026

Edward Hugh Kelway Le Vavasseur Dit Durell took control (75–100% of shares)
Zgluk Limited gave up control

Companies House

2017

1 November 2017

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

FCA register

2016

22 July 2016

Incorporated at Companies House
Matthew Simon Milnes became the majority owner (50–75% of shares)
Matthew Simon Milnes stopped being the majority owner
Michael Joshua Hubbard became the majority owner (50–75% of shares)
Michael Joshua Hubbard stopped being the majority owner
Zgluk Limited took control (75–100% of shares)

Companies House

In the full report: all 21 events

All 21 events in its history (10 shown here)
Every director appointment and resignation: 9

Firms like Cover Direct

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

In Camberley

Autoguard Warranties LtdCamberleyAuthorised Carpol Insurance Consultants LimitedCamberleyAuthorised LMT Healthcare LTDCamberleyAppointed representative Manning Stainton Rentals & Property Management LimitedCamberleyAppointed representative Cromwell Financial Services LimitedCamberleyAppointed representative My Property Claim LimitedCamberleyAppointed representative

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 Cover Direct

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

4 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 21 events in its history

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Frequently asked questions about this firm

Is Cover Direct Ltd FCA authorised?

Yes, Cover Direct Ltd (FRN 785970) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2017 and works as an insurance broker. The FCA has placed no limits on its permissions.

What is Cover Direct’s phone number and website?

The FCA register lists the phone number 01489 663188 and the website coverdirect.com for Cover Direct. If you were given different contact details, use these to check with the firm before going any further.

Is Cover Direct a scam or clone?

Cover 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 Cover 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 Cover Direct to the Financial Ombudsman Service, free of charge.

Who owns Cover Direct?

Companies House lists one person with significant control of Cover Direct: Mr Edward Hugh Kelway Le Vavasseur Dit Durell (75–100% of shares). Before that, it was controlled by Zgluk Limited, Mr Matthew Simon Milnes and Mr Michael Joshua Hubbard.

Who runs Cover Direct?

Companies House lists one director of Cover Direct: Edward Hugh Kelway Le Vavasseur Dit Durell.

How long has Cover Direct been in business?

The company was formed on 22 July 2016, and has held its current FCA authorisation since November 2017.

What do Cover Direct’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £9,889 (+143% from £4,062) and cash at bank of £2,171 (no earlier figure to compare).