Health Cover Advice Limited

Reference number: 1060861

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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

Clarity Insurance Services Limited Reference number: 919083 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.
  • Health Cover Advice Limited (FRN 1060861) is an AR of Clarity Insurance Services Limited (FRN 919083). When you use Health Cover Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Health Cover Advice, 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.

  • No website on the FCA register

  • Phone number

    07533 499808

  • Address

    Godfreys House, Barn Street, Liskeard, Cornwall, PL14 4BJ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07533 499808 is
  • Who else gives the postcode PL14 4BJ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Clarity Insurance Services 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
17319560
Company status
Active
Company type
Private limited company
Incorporated
4 July 2026 (less than a year old)
Registered office
Godfreys House, Barn Street, Liskeard, PL14 4BJ, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Callum Brandon Lewis Beale Director Mar 2000 4 Jul 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

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

2026

13 October 2026

  • Became an appointed representative

FCA register

4 July 2026

  • Incorporated at Companies House
  • Callum Brandon Lewis Beale took control (75–100% of shares)
  • Callum Brandon Lewis Beale appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Health Cover Advice

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

In Liskeard

Your Ideal Mortgage LtdLiskeardAppointed representative

In the Plymouth (PL) postcode area

C Valter & R SleepLauncestonAppointed representativeCube Insurance Services (Health) LtdSt. AustellAppointed representativeCube Insurance Services LtdSt. AustellAppointed representativeCurwins Financial & Mortgage Advisers LtdPlymouthAppointed representativeGJC Advisory LtdPlymouthAppointed 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 Health Cover Advice

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Health Cover Advice Limited FCA authorised?
Health Cover Advice Limited (FRN 1060861) 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 Health Cover Advice?
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. Health Cover Advice Limited (FRN 1060861) is an AR of Clarity Insurance Services Limited (FRN 919083). When you use Health Cover Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Health Cover Advice, 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 Health Cover Advice’s phone number?
The FCA register lists the phone number 07533 499808 for Health Cover Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Health Cover Advice a scam or clone?
Health Cover Advice 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 Health Cover Advice?
Protection works through Clarity Insurance Services Limited, the principal firm responsible for Health Cover Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Health Cover Advice?
Companies House lists one person with significant control of Health Cover Advice: Mr Callum Brandon Lewis Beale (75–100% of shares).
Who runs Health Cover Advice?
Companies House lists one director of Health Cover Advice: Callum Brandon Lewis Beale.
How long has Health Cover Advice been in business?
The company was formed on 4 July 2026.

Sources and links

The full report on Health Cover Advice Limited

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