COVEA INSURANCE PLC
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Cash
—
Latest balance sheet
Net assets
£290M
+33.3% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£78M
+220.3% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
5 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | £711,331,000 | £641,532,000 | £616,774,000 | -3.9% | |
| Net earned premiums | £139,933,000 | £273,657,000 | £567,872,000 | +107.5% | |
| Claims incurred | £66,524,000 | £136,817,000 | £325,145,000 | +137.6% | |
| Investment return | £44,326,000 | £30,156,000 | £44,610,000 | +47.9% | |
| Profit before tax | -£105,424,000 | £24,235,000 | £77,633,000 | +220.3% | |
| Net profit | -£87,287,000 | £32,901,000 | £72,410,000 | +120.1% | |
| Insurance contract liabilities | £1,359,147,000 | £1,261,527,000 | £1,177,466,000 | -6.7% | |
| Total assets | £1,991,024,000 | £1,958,203,000 | £1,842,492,000 | -5.9% | |
| Total liabilities | £1,806,311,000 | £1,740,589,000 | £1,552,468,000 | -10.8% | |
| Equity | £184,713,000 | £217,614,000 | £290,024,000 | +33.3% | |
| Average employees | 0 | 0 | 0 | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 90.7% | 88.9% | 84.3% |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation
- COVEA INSURANCE PLC 2012-10-01 → present
- MMA INSURANCE PLC 2000-04-27 → 2012-10-01
- NORMAN INSURANCE COMPANY LIMITED 1958-10-20 → 2000-04-27
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making enquiries, the Directors are satisfied that the Company has adequate cash and capital resources to continue as a going concern for a period of at least 12 months from the date of approval of the Financial Statements. Accordingly, they continue to adopt the going concern basis in preparing the Annual Report and Financial Statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 64 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| LAWRY, Rebecca | Secretary | 2023-12-05 | — | — |
| CARRAUD, Laure Anne Lucie | Director | 2026-06-01 | Dec 1982 | French |
| DOMART, Philippe | Director | 2026-03-31 | Nov 1970 | French |
| EDDIS, Jonathan Lancelot | Director | 2023-11-06 | May 1960 | British |
| HERDMAN, Jeffrey Niven | Director | 2023-10-03 | Jan 1953 | British |
| MACEDO, Georges De | Director | 2023-05-09 | Oct 1981 | French |
| MCKINLAY, Heather Roberta | Director | 2026-03-23 | Jul 1971 | Canadian,British |
| MOAT, Christopher | Director | 2021-03-17 | Mar 1968 | British |
| SALELLES, Pascal Philippe | Director | 2026-01-08 | Jul 1969 | French |
| SEKHRI, Louride | Director | 2026-04-01 | Dec 1986 | French |
| SOUANCE, Emeric De | Director | 2024-01-02 | Mar 1980 | French |
Show 64 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ROBINSON, Sarah | Secretary | 2023-08-01 | 2023-12-08 |
| WHITTAKER, Steven | Secretary | — | 2012-12-13 |
| WILSON, Annabel Felicity | Secretary | 2012-12-13 | 2023-07-28 |
| ALLEN, John Peter Clarkson | Director | 2023-01-31 | 2023-10-16 |
| ARMAGNAT, Louis | Director | — | 1993-04-16 |
| BARRE, Claude Gerard | Director | — | 1994-03-17 |
| BARRE, Jean-Yves | Director | 1994-04-29 | 2001-05-04 |
| BARRERE, Bernard | Director | 2011-12-13 | 2012-02-08 |
| BATABYAL, Colin | Director | 2010-10-06 | 2014-05-13 |
| BLUNDELL, John Giles | Director | 2016-01-20 | 2016-04-30 |
| BROCHU, Paul Henri | Director | — | 1991-12-02 |
| BROOKE, Nicolas | Director | 2024-01-02 | 2025-09-15 |
| BUCCHINI, Francois | Director | 2023-05-05 | 2026-06-30 |
| CAPLAN, Nicholas Michael | Director | 2017-06-01 | 2023-01-31 |
| CLARKE, Stephen Andrew | Director | 2015-06-30 | 2023-10-31 |
| COOTER, Simon Joseph | Director | 2016-10-01 | 2019-05-01 |
| CORNIC, Rene Joseph | Director | — | 1991-12-02 |
| COSTE, Sebastien Naric Naurice | Director | 2003-01-16 | 2005-05-25 |
| DALE, Jane Elizabeth | Director | 2017-02-22 | 2026-03-31 |
| DOSWELL, Graham Vincent | Director | 2007-06-19 | 2016-10-14 |
| DUBOIS, Jean Bernard Marie | Director | 2004-01-28 | 2007-04-10 |
| DUPONT, Jacques Marie Joseph | Director | 1993-04-16 | 1998-05-15 |
| EVANS, Carol | Director | 2017-04-18 | 2020-05-19 |
| FEARN, Garry Michael | Director | 1996-11-22 | 2013-09-15 |
| FERRARI, Claire | Director | 2024-01-02 | 2026-03-31 |
| FLEURY, Jean Eugene Alfred | Director | 2007-04-10 | 2013-06-25 |
| FORGET, Patrice Pierre Jacques | Director | 2013-07-01 | 2017-12-31 |
| FRANCQ, Thierry | Director | 2021-06-10 | 2023-12-31 |
| FURNESS, Adrian Charles | Director | 2012-10-01 | 2023-06-15 |
| GALBRUN, Jean-Paul | Director | 1991-12-02 | 1996-09-13 |
| GEAREY, James Tobin | Director | 2020-11-04 | 2022-08-31 |
| GUERINON, Bertrand Roland | Director | 2010-03-22 | 2011-10-05 |
| HEATLEY, Ian Harry | Director | — | 1999-12-31 |
| HULBERT, Barry Malcolm | Director | 1997-10-11 | 2015-07-13 |
| JARRY, Oliver | Director | 2001-05-04 | 2005-05-25 |
| JOSSE, François Xavier Michel | Director | 2019-05-01 | 2022-12-20 |
| KENYON, Henry James | Director | 2010-10-06 | 2017-03-31 |
| KNELLER, Simon Clive | Director | 2012-10-01 | 2017-04-18 |
| LAPIERRE, Michel | Director | 2003-09-25 | 2005-07-21 |
| LEFEBVRE, Bertrand | Director | 2003-09-25 | 2019-05-01 |
| LEIGHTON, Maria Louise | Director | 2020-03-24 | 2022-07-31 |
| MCKINNES, Leslie John | Director | 1992-07-01 | 1998-04-24 |
| MEMIN, Claude Pierre-Marie | Director | 1991-11-01 | 2002-10-31 |
| MERCIER, Bruno | Director | 2003-09-25 | 2009-03-16 |
| MICHEL, Pierre Albert Jean | Director | 2018-02-20 | 2021-06-10 |
| MONGIS, Gilles | Director | 2004-12-10 | 2005-05-25 |
| MONGIS, Gilles | Director | 2004-12-10 | 2011-12-13 |
| MOREAU, Nicolas | Director | 2023-06-15 | 2026-03-31 |
| MURPHY, Karl Peter | Director | 2017-05-22 | 2021-03-15 |
| NELSON, Thomas Scott | Director | 2000-04-28 | 2009-03-31 |
| NIXON, George Frederick | Director | 2003-03-21 | 2011-03-22 |
| NORMAND, Gilles | Director | 2014-06-04 | 2014-10-17 |
| PENOLLAR, Edgardo Paunlagui | Director | 2015-09-01 | 2019-06-30 |
| PERROUD, Jean Marie Etienne | Director | — | 1993-04-01 |
| PESCHEUX, Jean Michel | Director | 2003-09-25 | 2010-03-22 |
| PLUMMER, Derek William | Director | 2004-01-28 | 2012-07-06 |
| READER, James William | Director | 2012-09-16 | 2021-10-11 |
| ROUX, Michel | Director | 2002-07-11 | 2014-01-14 |
| SALVY, Dominique | Director | 2005-03-18 | 2022-12-08 |
| SALVY, Dominique | Director | 2005-03-18 | 2005-05-25 |
| SKRZYNSKI, Charles Werner | Director | — | 2002-12-31 |
| WALKER, Kenneth John | Director | 1992-07-01 | 1999-04-23 |
| WHITTAKER, Steven | Director | 1996-11-22 | 2015-09-01 |
| WOOLTERTON, Peter William | Director | 1992-04-01 | 2003-11-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mma Holdings Uk Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 280 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-08-20 MA Memorandum articles
- 2025-08-20 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-06-28 | AA | accounts | Accounts with accounts type full | |
| 2026-06-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-06-01 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-21 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-20 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-16 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-01 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-23 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-15 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-20 | MA | incorporation | Memorandum articles | |
| 2025-08-20 | RESOLUTIONS | resolution | Resolution | |
| 2025-06-05 | CH01 | officers | Change person director company with change date | |
| 2025-06-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-15 | AA | accounts | Accounts with accounts type full | |
| 2024-07-01 | AA | accounts | Accounts with accounts type full | |
| 2024-06-20 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-01-18 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 14
- Capital events
- 0
- Officers appointed
- 5
- Officers resigned
- 5
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.