Smarter Cover Limited

Reference number: 556053

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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 smartercover.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 012 4402 is
  • Who else gives the postcode KT22 7BA
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Other names (2)

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

  • 50 Plus Life Trading name
  • Get Protected 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.
  • 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 (4 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Credit Broking
  • 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
07123871
Company status
Active
Company type
Private limited company
Incorporated
13 January 2010 (16 years old)
Registered office
First Floor, Blue Bird House Mole Business Park, Randalls Road, Leatherhead, Surrey, KT22 7BA, England
Nature of business
  • Life insurance (SIC 65110)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Mohammed Shakeel Director Dec 1973 12 Apr 2010 5 other companies

Other companies run by its director

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
5
closed down
2
still active
3

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2025Abridged accountsNot audited

Net assets

£499k

−31% from £723k

Cash at bank

£784k

+245% from £227k

Employees (average)

73

+30% from 56

Owed within a year

£758k

+477% from £131k

The accounts for the year to 31 January 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £3.24m, for the year to 31 January 2023.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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.

Accounts filed at Companies House for company 07123871. 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

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

Key events (5) All events (13)

2016

6 April 2016

  • Mohammed Shakeel took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

25 April 2012

  • Became authorised by the FCA

FCA register

2011

22 September 2011

  • Regulated by the Financial Services Authority from this date

FCA register

2010

13 January 2010

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Smarter Cover

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

In Leatherhead

Basil E. Fry & Co. LimitedLeatherheadAuthorisedAdeona LimitedLeatherheadAppointed representativeCapel Alley LimitedLeatherheadAppointed representativeTravel Vogue LimitedLeatherheadAppointed representativeZest Technology LimitedLeatherheadAppointed 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 Smarter Cover

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Smarter Cover Limited FCA authorised?
Yes, Smarter Cover Limited (FRN 556053) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2012 and works as an insurance broker. The FCA has placed no limits on its permissions.
What is Smarter Cover’s phone number and website?
The FCA register lists the phone number 0800 012 4402 and the website smartercover.co.uk for Smarter Cover. If you were given different contact details, use these to check with the firm before going any further.
Is Smarter Cover a scam or clone?
Smarter 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 Smarter Cover?
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 Smarter Cover to the Financial Ombudsman Service, free of charge.
Who owns Smarter Cover?
Companies House lists one person with significant control of Smarter Cover: Mohammed Shakeel (75–100% of shares).
Who runs Smarter Cover?
Companies House lists one director of Smarter Cover: Mohammed Shakeel.
How long has Smarter Cover been in business?
The company was formed on 13 January 2010, and has held its current FCA authorisation since April 2012.
What do Smarter Cover’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of £499k (−31% from £723k) and cash at bank of £784k (+245% from £227k).
Does Smarter Cover use any other names?
It trades as 50 Plus Life and Get Protected.

Sources and links

The full report on Smarter Cover Limited

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