Cover-Rule Limited
Reference number: 311856
Instant download
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.
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Phone number
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Address
Ascott Insurance Brokers, Gibfield Park Avenue, Atherton, Manchester, Wigan, M46 0SY, United Kingdom
In the full report: 3 background checks
- When ascottinsurance.co.uk first appeared online, and whether it can receive email
- What kind of line 01942 888888 is
- Who else gives the postcode M46 0SY
Other names (3)
If you were contacted under any of these names, it is this firm.
- Ascott Insurance Brokers Trading name: A name it trades under now.
- Ascott Trade Credit Trading name: A name it trades under now.
- Ascott Insurance Services Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible 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 applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 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
- Credit Broking
- Dealing in investments as agent
- Debt Administration
- 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
- 02395085 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 June 1989 (37 years old)
- Registered office
- 15 The Quad Atherleigh Business Park, Atherton, Manchester, Lancashire, M46 0SY, England
- Nature of business
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- Non-life insurance (SIC 65120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Paul Kay | Director | Sep 1981 | 8 May 2018 | 2 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
- 2
- still active
- 2
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£765k
+11% from £692k
Cash at bank
£2.88m
+29% from £2.22m
Owed within a year
£5.07m
+17% from £4.35m
Assets and liabilities
In the full report: all 6 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 02395085. 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-Rule’s history from the FCA register and Companies House, newest first.
2026
25 March 2026
- Ascott Broking Group Limited took control (75–100% of shares)
- Florence Kay stopped being a part-owner
- Paul Robert Kay stopped being a part-owner
Companies House
2016
6 April 2016
- Florence Kay became a part-owner (25–50% of shares)
- Paul Robert Kay became a part-owner (25–50% of shares)
Companies House
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
1989
14 June 1989
- Incorporated at Companies House
Companies House
In the full report: all 19 events
- All 19 events in its history (9 shown here)
- Every director appointment and resignation: 3
Firms connected to Cover-Rule
Other FCA-listed firms that share a director, phone number or address with Cover-Rule. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Cover-Rule
Other firms of the same type (insurance broker), nearest first.
In Manchester
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-Rule
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 19 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs Cover-Rule?
How long has Cover-Rule been in business?
What do Cover-Rule’s latest accounts show?
Does Cover-Rule use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk