Lucas Risk Management Ltd

Reference number: 1046165

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 07851 093639 is
  • Who else gives the postcode KT8 1RF
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Other names (3)

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

  • Coversure Trading name
  • Coversure Insurance Services (Molesey) Trading name
  • Coversure (Molesey) 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
14277349
Company status
Active
Company type
Private limited company
Incorporated
4 August 2022 (4 years old)
Registered office
522a Hurst Road, West Molesey, KT8 1RF, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
David Lucas Balaguer Director Feb 1976 4 Aug 2022 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£26.8k

−16% from £32.0k

Cash at bank

£12.7k

−61% from £32.7k

Employees (average)

2

Same as 2

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 14277349. 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

Lucas Risk Management’s history from the FCA register and Companies House, newest first.

Key events (4) All events (11)

2026

15 July 2026

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

FCA register

2022

4 August 2022

  • Incorporated at Companies House
  • David Lucas Balaguer took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Lucas Risk Management

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

In West Molesey

Specialty Risks LimitedWest MoleseyAuthorised

In the Kingston upon Thames (KT) postcode area

AVN Capital LTDSurbitonAuthorisedBader Malan LimitedBookhamAuthorisedBasil E. Fry & Co. LimitedLeatherheadAuthorisedCaithness & Co LimitedSurbitonAuthorisedCorporate Asset Risk Management LtdTadworthAuthorised

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 Lucas Risk Management

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
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Lucas Risk Management Ltd FCA authorised?
Yes, Lucas Risk Management Ltd (FRN 1046165) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2026 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Lucas Risk Management’s phone number and website?
The FCA register lists the phone number 07851 093639 and the website coversure.co.uk/molesey for Lucas Risk Management. If you were given different contact details, use these to check with the firm before going any further.
Is Lucas Risk Management a scam or clone?
Lucas Risk Management 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 Lucas Risk Management?
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 Lucas Risk Management to the Financial Ombudsman Service, free of charge.
Who owns Lucas Risk Management?
Companies House lists one person with significant control of Lucas Risk Management: Mr David Lucas Balaguer (75–100% of shares).
Who runs Lucas Risk Management?
Companies House lists one director of Lucas Risk Management: David Lucas Balaguer.
How long has Lucas Risk Management been in business?
The company was formed on 4 August 2022, and has held its current FCA authorisation since July 2026.
What do Lucas Risk Management’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £26.8k (−16% from £32.0k) and cash at bank of £12.7k (−61% from £32.7k).
Does Lucas Risk Management use any other names?
It trades as Coversure, Coversure Insurance Services (Molesey) and Coversure (Molesey).

Sources and links

The full report on Lucas Risk Management Ltd

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