Get To Know Us Better

At Cover-4-Less we're passionate about caring for our customers

Established in 1992, we have been providing Insurance Related Services to our clients for more than 25 years

Honesty & Integrity
is at the of everything we do


Our History

Cover-4-Less is part of the Maintenance Direct Group of Companies. Established in 1992, we started out by proving nationwide repairs and replacement services to household Insurance and Retail clients, such as Argos, Littlewoods, Aviva, Axa & Allianz to name a few.

Our Products

Having been providing Repair Services to hundreds of thousands of customers throughout the UK every year on everything from Washing Machines, TV's, Cookers, Boilers & Power Tools, we set out to develop our own unique products to better cover these items directly for our customers at very competitive prices.

Our Ethos

Our ethos has always been to put our customers first. We are dedicated to helping and protecting our customers with products that are good value for money, meet their needs and are simple to understand.

As a private company, we pride ourselves in our integrity over the last 25+ years, we are honest and trustworthy.

We're Here For You

We're not just here to sell you a policy and hope we never hear from you again. The most important time for us is when a customer calls us after they're covered with us. This is when they need us most, either because something is broken and they need it fixed or they have a query with their policy.

We're open 7-days a week and 24/7 for Home Emergency Policies.


Our Engineers

We have over 750+ fully-trained and approved engineers covering every corner of the UK. We repair thousands of products every week. Many of our engineers will be approved directly by the manufacturer of your appliance, so they will arrive all tooled up ready to fix your appliance right away.

If we can't repair your appliance we will arrange delivery of a replacement appliance quickly for you to get you back up and running again, we may alternatively at our option make a cash settlement.


14-Day Money Back Guarantee

All our policies come with a comprehensive 14-day money back guarantee.

Provided you've not made a claim you can cancel your policy and receive a full refund of the entire premium within the 14-day cancellation period.

We want you to be entirely satisfied with your cover from us.

Financial Conduct Authority FCA

We Only Sell Regulated
Insurance Products

We are authorised and regulated by the UK Financial Conduct Authority. We are regulated to sell insurance products with the UK. Beware of companies who are are purporting to sell insurance without being regulated.


Financial Ombudsman Service

If you’ve got a complaint about one of our products or service, you may take your complaint to the Financial Ombudsman Service (FOS), an independent body established by Parliament to settle disputes between financial companies and their customers.

Financial Services Compensation Scheme

Your Premiums
Are Protected

Our insurance products are protected by the Financial Services Compensation Scheme (FSCS). This means you may be entitled to compensation if the insurer cannot meet their obligations. Most insurance contracts are covered for 90% of the claim.

Cover-4-Less is a trading name of Maintenance Direct Insurance Services Ltd
Authorised & Regulated By The Financial Conduct Authority Financial Services Registration Number: 707133
Registered In England No: 03152770. Registered office: Citibase Suite 538, The Atrium, 1 Harefield Road, Uxbridge, UB8 1PH

Statement of Demands and Needs

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