Cyber Cover Ltd

Reference number: 802325

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

DUNCAN CLARK (INSURANCE BROKERS) LIMITED Reference number: 304742 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.
  • Cyber Cover Ltd (FRN 802325) is an AR of DUNCAN CLARK (INSURANCE BROKERS) LIMITED (FRN 304742). When you use Cyber Cover's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cyber 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.

Identity

Check their details

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.

Also trades as
  • CYBERCOVERED.COM

Company details

From the company's Companies House record.

Company number
10982021
Company status
Active
Company type
Private limited company
Incorporated
26 September 2017 (8 years old)
Registered office
10 Western Road, Romford, Essex, RM1 3JT, United Kingdom
Nature of business
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
Christopher Kenneth Director May 1987 26 Sep 2017
Vincent Kenneth Director Mar 1983 26 Sep 2017
Dennis Patrick Culligan Director Sep 1957 20 Oct 2018
James William Mccaffrey Director Aug 1962 19 Dec 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through DUNCAN CLARK (INSURANCE BROKERS) 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Cyber Covered Ltd

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Common questions

Frequently asked questions

Is Cyber Cover Ltd FCA authorised?
Cyber Cover Ltd (FRN 802325) 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 Cyber 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. Cyber Cover Ltd (FRN 802325) is an AR of DUNCAN CLARK (INSURANCE BROKERS) LIMITED (FRN 304742). When you use Cyber Cover's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cyber 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.
Is my money safe with Cyber Cover?
Protection works through DUNCAN CLARK (INSURANCE BROKERS) LIMITED, the principal firm responsible for Cyber Cover's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Cyber Cover a scam or clone?
Cyber Cover is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Cyber Cover's Firm Reference Number (FRN)?
Cyber Cover's FRN is 802325. You can verify it on the FCA register.