Cover-More Insurance Services Ltd

Reference number: 312172

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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 covermore.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7953 9322 is, and the other firm that gives it
  • Who else gives the postcode UB8 1UX
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Other names (16)

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

  • Covermore.co.uk Trading name
  • Cover-More Europe Trading name
  • iCarhireinsurance Trading name
  • iCarhireinsurance.com Trading name
  • Travel Guard Trading name
  • World Travel Protection Trading name
  • Zurich Cover-More Trading name
  • Advantage Travel Insurance Former trading name
  • Haloinsurance.com Former trading name
  • Halo Insurance Services Former trading name
  • InsuretheGap.com Former trading name
  • One Travel Insurance Former trading name
  • Right Cover Former trading name
  • Right Cover Travel Insurance Former trading name
  • Spinsure.com Former trading name
  • Worldchoice Travel Insurance Former trading 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)
  • 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
03088762
Company status
Active
Company type
Private limited company
Incorporated
8 August 1995 (31 years old)
Registered office
Parkview, 82 Oxford Road, Uxbridge, UB8 1UX, England
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Alistair Liam Cogill Director May 1986 3 Aug 2023 3 other companies
Benjamin David Wooltorton Director Mar 1976 2 Aug 2024 2 other companies
Jeremy Clutterbuck Director Aug 1965 18 Feb 2026 None
Nicholas Kennedy Director Jun 1983 8 May 2026 None
JTC (UK) LIMITED Corporate secretary Not published 19 Jun 2023 –

Other companies run by these 4 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
5
closed down
1
went insolvent
1

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • All 24 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Turnover

£5.53m

+23% from £4.51m

Profit before tax

−£6.40m

Down £1.33m from −£5.07m

Net assets

£8.43m

−20% from £10.5m

Cash at bank

£2.54m

+18% from £2.15m

Turnover and profit

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 03088762. 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-More Insurance Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (77)

2014

31 January 2014

  • Board replaced: all 3 directors left and 2 new directors took over

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register · Companies House

2005

14 January 2005

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

FCA register

1997

14 May 1997

  • Board replaced: its only director left and 3 new directors took over

Companies House

1995

8 August 1995

  • Incorporated at Companies House

Companies House

In the full report: all 77 events

  • All 77 events in its history (6 shown here)
  • Every director appointment and resignation: 44
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Firms connected to Cover-More Insurance Services

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Cover-More Insurance Services

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

In Uxbridge

Cover-More Blue Insurance Services LtdUxbridgeAuthorisedMaintenance Direct Insurance Services Ltd.UxbridgeAuthorisedTessa Alliance LtdUxbridgeAuthorisedJo WalbrinUxbridgeAppointed representativePizzaExpress LimitedUxbridgeAppointed representativeKuehne+Nagel LtdUxbridgeAppointed 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-More Insurance Services

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 77 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Cover-More Insurance Services Ltd FCA authorised?
Yes, Cover-More Insurance Services Ltd (FRN 312172) 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 Cover-More Insurance Services’ phone number and website?
The FCA register lists the phone number 020 7953 9322 and the website covermore.co.uk for Cover-More Insurance Services. 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 Cover-More Insurance Services a scam or clone?
Cover-More Insurance Services 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-More Insurance Services?
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-More Insurance Services to the Financial Ombudsman Service, free of charge.
Who runs Cover-More Insurance Services?
Companies House lists 4 directors of Cover-More Insurance Services: Alistair Liam Cogill, Benjamin David Wooltorton, Jeremy Clutterbuck and Nicholas Kennedy.
How long has Cover-More Insurance Services been in business?
The company was formed on 8 August 1995, and has held its current FCA authorisation since January 2005.
What do Cover-More Insurance Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £5.53m (+23% from £4.51m) and profit before tax of −£6.40m (down £1.33m from −£5.07m).
Does Cover-More Insurance Services use any other names?
It trades as Covermore.co.uk, Cover-More Europe, iCarhireinsurance, iCarhireinsurance.com and Travel Guard, and 2 more names. It has previously used 9 other names, including Advantage Travel Insurance, Haloinsurance.com and Halo Insurance Services.

Sources and links

The full report on Cover-More Insurance Services Ltd

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