Covered Insurance Services Limited

Reference number: 955748

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.

In the full report: 3 background checks

  • When coveredinsurance.com first appeared online, and whether it can receive email
  • What kind of line 020 8059 8542 is
  • Who else gives the postcode RM16 4UZ
Instant PDF download
Other names (5)

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

  • Covered Learner Driver Trading name
  • Covered On Demand Trading name
  • Covered Owner Driver Trading name
  • Flycovered Trading name
  • National Learner Driver Insurance 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.
  • 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 (6 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
  • 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
05119027
Company status
Active
Company type
Private limited company
Incorporated
5 May 2004 (22 years old)
Registered office
21 Lodge Lane, Grays, Essex, RM17 5RY
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Andrew Brown Director Aug 1966 1 Jun 2009 3 other companies
Katie Louise Grant Director Apr 1991 1 Jun 2010 None
Kathryn Brown Director Mar 1969 2 May 2019 None
Ian William Grant Director Jun 1957 2 May 2019 3 other companies

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
2
run together
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
  • Any that went into liquidation or administration
  • The 1 company these 4 directors run together
  • All 7 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£153k

+8.3% from £142k

Cash at bank

£249k

−46% from £463k

Employees (average)

5

+25% from 4

Owed within a year

£177k

−56% from £403k

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
Instant PDF download
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 05119027. 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

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

Key events (6) All events (21)

2022

8 March 2022

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

FCA register

2016

6 April 2016

  • Katie Louise Grant became a part-owner (25–50% of shares)
  • Paul Andrew Brown became a part-owner (25–50% of shares)

Companies House

2007

19 October 2007

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

Companies House

2004

5 May 2004

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (6 shown here)
  • Every director appointment and resignation: 8
Instant PDF download

Firms like Covered Insurance Services

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

In Grays

Moyak LimitedGraysAuthorisedTrevor StewardGraysAppointed representativeR.t.rate LimitedGraysAuthorisedVickers (Lakeside) LimitedGraysAuthorisedUK Properties Management LimitedGraysAppointed representativeCapstone Claims Services LtdGraysAppointed 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 Covered 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
  • 7 years of accounts, charted
  • All 21 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Covered Insurance Services Limited FCA authorised?
Yes, Covered Insurance Services Limited (FRN 955748) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2022 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Covered Insurance Services’ phone number and website?
The FCA register lists the phone number 020 8059 8542 and the website coveredinsurance.com for Covered Insurance Services. If you were given different contact details, use these to check with the firm before going any further.
Is Covered Insurance Services a scam or clone?
Covered 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 Covered 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 Covered Insurance Services to the Financial Ombudsman Service, free of charge.
Who owns Covered Insurance Services?
Companies House lists 2 people with significant control of Covered Insurance Services: Mr Paul Andrew Brown (25–50% of shares) and Miss Katie Louise Grant (25–50% of shares).
Who runs Covered Insurance Services?
Companies House lists 4 directors of Covered Insurance Services: Paul Andrew Brown, Katie Louise Grant, Kathryn Brown and Ian William Grant.
How long has Covered Insurance Services been in business?
The company was formed on 5 May 2004, and has held its current FCA authorisation since March 2022.
What do Covered Insurance Services’ latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £153k (+8.3% from £142k) and cash at bank of £249k (−46% from £463k).
Does Covered Insurance Services use any other names?
It trades as Covered Learner Driver, Covered On Demand, Covered Owner Driver, Flycovered and National Learner Driver Insurance.

Sources and links

The full report on Covered Insurance Services Limited

£19.99 · Instant PDF download

Loading secure checkout…