Vero Cover Ltd

Reference number: 689977

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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

SMARTER COVER LIMITED Reference number: 556053 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.
  • Vero Cover Ltd (FRN 689977) is an AR of SMARTER COVER LIMITED (FRN 556053). When you use Vero Cover's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vero 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, 1 thing worth a closer look

  • When verocover.com first appeared online, and whether it can receive email
  • What kind of line +350 020 338 446 60 is
  • Whether GX11 1AA is a shared office: 43 other firms give it
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Other names (2)

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

  • Lead Trade Trading name
  • Morgan Money Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Smarter Cover 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.

Key dates in its history

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

2018

7 August 2018

  • Began trading as "Morgan Money"

FCA register

17 July 2018

  • Began trading as "Lead Trade"

FCA register

2015

28 April 2015

  • Became an appointed representative

FCA register

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

Firms like Vero Cover

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

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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 Vero Cover

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

  • 3 background checks on its contact details, 1 flagged
  • All 3 events in its history

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Frequently asked questions about this firm

Is Vero Cover Ltd FCA authorised?
Vero Cover Ltd (FRN 689977) 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 Vero 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. Vero Cover Ltd (FRN 689977) is an AR of SMARTER COVER LIMITED (FRN 556053). When you use Vero Cover's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vero 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 Vero Cover’s phone number and website?
The FCA register lists the phone number +350 020 338 446 60 and the website verocover.com for Vero Cover. If you were given different contact details, use these to check with the firm before going any further.
Is Vero Cover a scam or clone?
Vero 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 Vero Cover?
Protection works through Smarter Cover Limited, the principal firm responsible for Vero Cover's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Vero Cover use any other names?
It trades as Lead Trade and Morgan Money.

Sources and links

The full report on Vero Cover Ltd

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