Simply Covered Limited

Reference number: 1013170

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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

TMG Direct Limited Reference number: 786245 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.
  • Simply Covered Limited (FRN 1013170) is an AR of TMG Direct Limited (FRN 786245). When you use Simply Covered's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Simply Covered, 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 simply-covered.co.uk first appeared online, and whether it can receive email
  • What kind of line 01329 757300 is
  • Who else gives the postcode PO16 7BB
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Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake email addresses (1)
  • support@coversimply.com
Fake websites (1)
  • coversimply.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through TMG Direct 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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
15247145
Company status
Active
Company type
Private limited company
Incorporated
30 October 2023 (2 years old)
Registered office
Kintyre House, 70 High Street, Fareham, PO16 7BB, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Lewis Symonds-Cunningham Director May 1991 30 Oct 2023 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 October 2025Full accountsNot audited

Net assets

£1,368

No earlier figure to compare

Cash at bank

£2,104

No earlier figure to compare

Owed within a year

£86.4k

No earlier figure to compare

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 15247145. 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

Simply Covered’s history from the FCA register and Companies House, newest first.

2026

13 May 2026

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2024

19 May 2024

  • Became an appointed representative

FCA register

2023

30 October 2023

  • Incorporated at Companies House
  • Lewis Symonds-Cunningham took control (75–100% of shares)
  • Lewis Symonds-cunningham appointed as a director

Companies House

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

Firms connected to Simply Covered

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Simply Covered

Other firms of the same type (mortgage adviser or broker), nearest first.

In Fareham

Albany Park Mortgages LimitedFarehamAppointed representativeC L Mortgages and Protection LtdFarehamAppointed representativeCoast Financial Services LimitedFarehamAppointed representativeCreative Lending Solutions LtdFarehamAppointed representativeEasy Mortgages LimitedFarehamAppointed representativeEdwin GuyFarehamAppointed 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 Simply Covered

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
  • All 5 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Simply Covered Limited FCA authorised?
Simply Covered Limited (FRN 1013170) 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 Simply Covered?
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. Simply Covered Limited (FRN 1013170) is an AR of TMG Direct Limited (FRN 786245). When you use Simply Covered's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Simply Covered, 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 Simply Covered’s phone number and website?
The FCA register lists the phone number 01329 757300 and the website simply-covered.co.uk for Simply Covered. If you were given different contact details, use these to check with the firm before going any further.
Is Simply Covered a scam or clone?
Scammers have impersonated Simply Covered: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Simply Covered, shown on this page.
Is my money safe with Simply Covered?
Protection works through TMG Direct Limited, the principal firm responsible for Simply Covered's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Simply Covered?
Companies House lists one person with significant control of Simply Covered: Mr Lewis Symonds-Cunningham (75–100% of shares).
Who runs Simply Covered?
Companies House lists one director of Simply Covered: Lewis Symonds-Cunningham.
How long has Simply Covered been in business?
The company was formed on 30 October 2023.
What do Simply Covered’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £1,368 (no earlier figure to compare) and cash at bank of £2,104 (no earlier figure to compare).

Sources and links

The full report on Simply Covered Limited

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