Coversure Midlands Limited

Reference number: 308065

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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 coversure.co.uk first appeared online, and whether it can receive email
  • What kind of line 0121 448 6914 is
  • Who else gives the postcode B60 3DR
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Other names (45)

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

  • Boxguard Trading name
  • Cafe Insurance Trading name
  • Coversure Trading name
  • Coversure Bromsgrove Trading name
  • Coversure Insurance Services (Bromsgrove) Trading name
  • Coversure Insurance Services (Mold) Trading name
  • Coversure Insurance Services (Oswestry) Trading name
  • Coversure Insurance Services (Sevenoaks) Trading name
  • Coversure Insurance Services (Solihull) Trading name
  • Coversure Insurance Service (Telford) Trading name
  • Coversure Mold Trading name
  • Coversure Oswestry Trading name
  • Coversure Sevenoaks Trading name
  • Coversure Solihull Trading name
  • Coversure Telford Trading name
  • Fastquote Trading name
  • Goods in Transit Direct Trading name
  • Innovate Insurance Brokers Trading name
  • Omnia Risk Solutions Trading name
  • Reform Cover Trading name
  • Tradepro Trading name
  • www.cafe-insurance.co.uk Trading name
  • www.fastquote.co.uk Trading name
  • www.goodsintransitdirect.co.uk Trading name
  • www.innovateinsurance.co.uk Trading name
  • www.reformcover.co.uk Trading name
  • Care Home Insurance Direct Former trading name
  • Coversure Acocks Green Former trading name
  • Coversure Birmingham Former trading name
  • Coversure Harborne Former trading name
  • Coversure Insurance Services Former trading name
  • Coversure Insurance Services (Acocks Green) Former trading name
  • Coversure Insurance Services (Birmingham) Former trading name
  • Coversure Insurance Services (Harborne) Former trading name
  • Coversure Insurance Services (Northfield) Former trading name
  • Coversure Insurance Services (Rubery) Former trading name
  • Coversure Insurance Services (Tamworth) Former trading name
  • Coversure Northfield Former trading name
  • Coversure Rubery Former trading name
  • Coversure Tamworth Former trading name
  • Oneinsure Former trading name
  • Truck Insurance Direct Former trading name
  • www.carehome-insurancedirect.co.uk Former trading name
  • www.oneinsure.co.uk Former trading name
  • www.truckinsurancedirect.co.uk 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.
  • 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
04981212
Company status
Active
Company type
Private limited company
Incorporated
1 December 2003 (22 years old)
Registered office
Coversure House, 72 Sherwood Road, Bromsgrove, B60 3DR, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Graeme Neal Lalley Director Jul 1980 3 Sep 2026 36 other companies
Edward George Fitzgerald Hannan Director Sep 1978 3 Sep 2026 63 other companies
Jordan Maskell Director May 1980 3 Sep 2026 4 other companies

Other companies run by these 3 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
78
closed down
2
are FCA-registered
27

In the full report: all 78 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 27 on the FCA register, including 3 no longer authorised
  • The 21 companies these 3 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Total equity

£140k

No earlier figure to compare

Cash at bank

£201k

−41% from £344k

Employees (average)

46

−2.1% from 47

Owed within a year

£779k

+90% from £410k

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
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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 04981212. 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

Coversure Midlands’s history from the FCA register and Companies House, newest first.

Key events (8) All events (94)

2026

3 September 2026

  • Board replaced: both directors left and 3 new directors took over

Companies House

2019

12 December 2019

  • Rsj Holdings Limited took control (75–100% of shares)
  • Steve Duffy stopped being a part-owner

Companies House

2016

1 December 2016

  • Steve Duffy 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

2003

1 December 2003

  • Incorporated at Companies House

Companies House

In the full report: all 94 events

  • All 94 events in its history (8 shown here)
  • Every director appointment and resignation: 13
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Firms connected to Coversure Midlands

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

connected firms
12
share a director
12

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12)
  • Who links each one: the named directors, with dates
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Firms like Coversure Midlands

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

In Bromsgrove

I.g.jukes & Co.limitedBromsgroveAuthorisedThe Cronin Insurance Consultancy LtdBromsgroveAuthorised4D Properties LimitedBromsgroveAppointed representativeClarke Baron Associates LtdBromsgroveAppointed representativeComplete Healthcare Solutions (Midlands) LtdBromsgroveAppointed representativeMps Accountancy LtdBromsgroveAppointed 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 Coversure Midlands

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

  • 78 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 94 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Coversure Midlands Limited FCA authorised?
Yes, Coversure Midlands Limited (FRN 308065) 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 Coversure Midlands’ phone number and website?
The FCA register lists the phone number 0121 448 6914 and the website coversure.co.uk/bromsgrove for Coversure Midlands. If you were given different contact details, use these to check with the firm before going any further.
Is Coversure Midlands a scam or clone?
Coversure Midlands 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 Coversure Midlands?
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 Coversure Midlands to the Financial Ombudsman Service, free of charge.
Who owns Coversure Midlands?
Coversure Midlands is owned by Rsj Holdings Limited, which holds 75–100% of shares, since 12 December 2019. Before that, it was controlled by Mr Steve Duffy.
Who runs Coversure Midlands?
Companies House lists 3 directors of Coversure Midlands: Graeme Neal Lalley, Edward George Fitzgerald Hannan and Jordan Maskell.
How long has Coversure Midlands been in business?
The company was formed on 1 December 2003, and has held its current FCA authorisation since January 2005.
What do Coversure Midlands’ latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £140k (no earlier figure to compare) and cash at bank of £201k (−41% from £344k).
Does Coversure Midlands use any other names?
It trades as Boxguard, Cafe Insurance, Coversure, Coversure Bromsgrove and Coversure Insurance Services (Bromsgrove), and 21 more names. It has previously used 19 other names, including Care Home Insurance Direct, Coversure Acocks Green and Coversure Birmingham.

Sources and links

The full report on Coversure Midlands Limited

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