A mechanical engineering draughtsman and insurance agent and the child of Benjamin Cowell (a woollen warehouse foreman) and Agnes Jacobs, Ernest Cowell, the third cousin twice-removed on the mother's side of Nigel Horne, was born in Chatham, Kent, England on 9 Jul 18831,2,3,4 was married twice, to Ethel Steddy (in 1907 in Medway, Kent, England) and Mabel Heath (c. May 1939 in Strood, Kent)6. He had 1 child with Ethel Steddy, Ernest Frederick William.
During his life, he was living at 5 Hope Street, Chatham on 5 Apr 189113 and on 31 Mar 190111; at 1 Campbell Road, Gravesend, Kent on 2 Apr 19111; and at 205 Old Road West, Gravesend, Kent in 193810, on 29 Sep 193912 and in 19539.
He died on 6 Sep 1953 at Joyce Green Hospital, Dartford, Kent3,5 and was buried at Municipal Cemetery, Gravesend, Kent on 11 Sep 19537,8.
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