Cyber Cover Ltd

Reference number: 802325

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

DUNCAN CLARK (INSURANCE BROKERS) LIMITED Reference number: 304742 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Cyber Cover Ltd (FRN 802325) is an AR of DUNCAN CLARK (INSURANCE BROKERS) LIMITED (FRN 304742). When you use Cyber Cover's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cyber Cover, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • 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.

In the full report: 3 background checks

  • When cybercovered.com first appeared online, and whether it can receive email
  • What kind of line 07376 366355 is
  • Who else gives the postcode RM1 3JT
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Other names (2)

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

  • CYBERCOVERED.COM Trading name
  • Cyber Covered Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Duncan Clark (Insurance Brokers) Limited, 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, free
    You 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
10982021
Company status
Active
Company type
Private limited company
Incorporated
26 September 2017 (9 years old)
Registered office
10 Western Road, Romford, Essex, RM1 3JT, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Kenneth Director May 1987 26 Sep 2017 4 other companies
Vincent Kenneth Director Mar 1983 26 Sep 2017 1 other company
Dennis Patrick Culligan Director Sep 1957 20 Oct 2018 4 other companies
James William Mccaffrey Director Aug 1962 19 Dec 2025 17 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
25
closed down
7
are FCA-registered
6

In the full report: all 25 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 6 on the FCA register
  • The 1 company these 4 directors run together
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Net assets

£1,112

−2.1% from £1,136

Employees (average)

4

+100% from 2

Owed within a year

£68.3k

+4.2% from £65.6k

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
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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 10982021. 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

Cyber Cover’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2025

19 December 2025

  • Christopher Kenneth stopped being a part-owner

Companies House

2023

3 August 2023

  • Changed its registered name from "Cyber Covered Ltd"

FCA register

2018

2 April 2018

  • Became an appointed representative

FCA register

2017

26 September 2017

  • Incorporated at Companies House
  • Christopher Kenneth became a part-owner (25–50% of shares)
  • Dennis Culligan became a part-owner (25–50% of shares)
  • Vincent Kenneth became a part-owner (25–50% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Cyber Cover

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

connected firms
6
share a director
5
share its postcode
1

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (5), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Cyber Cover

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

In Romford

BTJ Mortgages LtdRomfordAppointed representativeFamily Mortgage Solutions LimitedRomfordAppointed representativeOakleafe Claims (Scotland) LtdRomfordAppointed representativeOakleafe Property Services LtdRomfordAppointed representativePhoenix Finserv UK LimitedRomfordAppointed representativeHill Park Veterinary Group LtdRomfordAppointed 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 Cyber Cover

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

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

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Frequently asked questions about this firm

Is Cyber Cover Ltd FCA authorised?
Cyber Cover Ltd (FRN 802325) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Cyber Cover?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Cyber Cover Ltd (FRN 802325) is an AR of DUNCAN CLARK (INSURANCE BROKERS) LIMITED (FRN 304742). When you use Cyber Cover's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cyber Cover, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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.
What is Cyber Cover’s phone number and website?
The FCA register lists the phone number 07376 366355 and the website CYBERCOVERED.COM for Cyber Cover. If you were given different contact details, use these to check with the firm before going any further.
Is Cyber Cover a scam or clone?
Cyber Cover 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 Cyber Cover?
Protection works through Duncan Clark (Insurance Brokers) Limited, the principal firm responsible for Cyber Cover's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cyber Cover?
Companies House lists 2 people with significant control of Cyber Cover: Mr Vincent Kenneth (25–50% of shares) and Mr Dennis Culligan (25–50% of shares). Before that, it was controlled by Mr Christopher Kenneth.
Who runs Cyber Cover?
Companies House lists 4 directors of Cyber Cover: Christopher Kenneth, Vincent Kenneth, Dennis Patrick Culligan and James William McCaffrey.
How long has Cyber Cover been in business?
The company was formed on 26 September 2017.
What do Cyber Cover’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £1,112 (−2.1% from £1,136).
Does Cyber Cover use any other names?
It trades as CYBERCOVERED.COM. It has previously used the name Cyber Covered Ltd.

Sources and links

The full report on Cyber Cover Ltd

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