Limitless Cover

What Is This Scam?

Limitless Cover is identified by the UK Financial Conduct Authority (FCA) as a cloned firm that is falsely claiming to be associated with a properly authorised business. The scammers are using the domain name limitlesscover.co.uk and various email addresses linked to that domain to approach consumers who may be seeking insurance or related financial services. By copying the details of a genuine regulated company, they aim to convince people that they are legitimate and trustworthy.

Because this operation is not authorised by the FCA, any money you pay to them is at significant risk. You are unlikely to receive genuine insurance cover or any of the protections that normally apply when you deal with a firm that is properly regulated in the UK. The FCA has issued a public warning about this clone, highlighting that consumers should avoid dealing with it.

Who Are They Impersonating?

The fraudsters behind Limitless Cover are impersonating J L Insurance Solutions Ltd, a legitimate firm that is authorised and regulated by the FCA in the UK. By copying or closely mimicking the genuine firm’s details, the scammers try to create the impression that they are part of, or connected to, this authorised business.

This type of impersonation is known as a “clone firm” scam. Criminals may use a similar or related trading name, email addresses, or other contact details that look convincing at first glance. The FCA has made it clear, via its warning notice, that Limitless Cover is not the genuine J L Insurance Solutions Ltd and is not authorised to offer regulated financial or insurance services.

Red Flags

Consumers should be alert to the following warning signs associated with this cloned firm:

• Use of the domain limitlesscover.co.uk in websites or documentation claiming to offer insurance or other regulated services.
• Contact from email addresses such as [email protected], [email protected], [email protected] or [email protected] that suggest they are part of a regulated provider.
• References to FCA regulation or to J L Insurance Solutions Ltd that cannot be verified directly using the official contact details listed on the FCA Register.
• Pressure to act quickly, pay premiums, or provide personal and financial information before you have had time to independently verify the firm’s identity.
• Inconsistent or missing information about licence numbers, regulatory permissions, or corporate details.

What To Do If You Have Been Contacted

If you have been approached by someone claiming to be from Limitless Cover, or you have visited limitlesscover.co.uk, do not share personal or financial information and do not make any payments until you have carried out checks using trusted sources. Verify the identity of any firm by finding its details on the FCA Register and then using the contact information listed there to confirm whether the communication you received is genuine.

If you suspect you have already dealt with this cloned firm, gather all emails, documents, payment records and screenshots related to your interactions. Contact your bank or card provider as soon as possible to explain the situation and ask whether any payments can be stopped, reversed or otherwise addressed. You should also report the matter to the relevant authorities in your jurisdiction, providing as much detail as you can, so that they can update warnings and help prevent others from being targeted.