Introducer appointed representative
This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.
- Appointed for 1 year
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 March 2025
Responsible principal firm
SEOPA LTD Reference number: 313860 View firm →What does this mean?
- An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
- Coverpal Ltd (FRN 1029790) introduces customers to SEOPA LTD (FRN 313860). Any regulated advice or arranging is done by the principal, not Coverpal.
- Example: if Coverpal refers you to a financial adviser, the advice should come from the principal firm, not from Coverpal itself.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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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No website on the FCA register
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Phone number
-
Address
1 Anstiebury Close, Beare Green, Dorking, Surrey, RH5 4RE, United Kingdom
In the full report: 2 background checks
- What kind of line 07771 391767 is
- Who else gives the postcode RH5 4RE
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Seopa Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 13969980 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 March 2022 (4 years old)
- Registered office
- 1 Anstiebury Close, Beare Green, Dorking, RH5 4RE, England
- Nature of business
-
- Other information technology service activities (SIC 62090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Gemma Louise Chisholm | Director | Jun 1985 | 11 Mar 2022 | 1 other company |
| Matthew Charles William Spooner | Director | Jul 1986 | 1 Jul 2024 | 3 other companies |
Other companies run by these 2 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
- 3
- closed down
- 1
- run together
- 1
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 1 company these 2 directors run together
Filed accounts and finances
Net assets
£2
Same as £2
Cash at bank
£1
Same as £1
These accounts were filed as dormant: the company reported no significant trading in the period.
Net assets
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 13969980. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Coverpal’s history from the FCA register and Companies House, newest first.
2025
15 March 2025
- Became an introducer appointed representative
FCA register
2024
1 July 2024
- Matthew Charles William Spooner became a part-owner (25–50% of shares)
- Matthew Charles William Spooner appointed as a director
Companies House
2022
11 March 2022
- Incorporated at Companies House
- Gemma Louise Chisholm became a part-owner (25–50% of shares)
- Gemma Louise Chisholm appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Coverpal
Other firms of the same type (insurance broker), nearest first.
In Dorking
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 Coverpal
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
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Frequently asked questions about this firm
Is Coverpal Ltd FCA authorised?
What does introducer appointed representative mean for Coverpal?
What is Coverpal’s phone number?
Is Coverpal a scam or clone?
Is my money safe with Coverpal?
Who owns Coverpal?
Who runs Coverpal?
How long has Coverpal been in business?
What do Coverpal’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk