What Eversure does

Eversure Limited is a UK-based, FCA-authorised (register number 501311) specialist insurance intermediary founded in 2008 and headquartered in Guildford, Surrey. The company distributes a portfolio of niche personal lines insurance products that are typically underserved by mass-market insurers: photography and camera insurance, cycle insurance, car hire excess insurance, UK and European breakdown cover, and touring and static caravan insurance, with add-on modules including drone insurance (underwritten by AXA), musical instrument cover, fleet insurance, public liability, professional indemnity, personal accident, and legal expenses. Distribution is exclusively digital via the eversure.com family of product-specific websites, with self-service quote engines, a MyAccount portal, and a content-driven SEO and affiliate marketing engine (Adventure Blog plus AWIN partner program) generating top-of-funnel traffic. The business model is commission-based: Eversure arranges coverage from a curated panel of specialist underwriters (AXA, AIG, Collinson) and earns distribution commission on each policy sold, with no underwriting balance-sheet exposure. Pricing is low-ticket and recurring across annual subscriptions (cycle from £24.90, UK breakdown from £21.84, drone from £19.99), monthly subscriptions (touring caravan from £13.43, static caravan from £12.33), and pay-as-you-go (car hire excess from £2.49/day, European single-trip breakdown from £15.68). The company has accumulated over 250,000 customers across its product lines since founding, with the caravan book alone representing approximately 133,000 policyholders, and has been recognised with five consecutive Feefo Platinum Trusted Service Awards and two consecutive Photography News Best Insurance Provider awards.

Name

Eversure

Legal name

Eversure Limited

Website

https://eversure.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Eversure Limited is a Guildford-based, FCA-authorised specialist insurance intermediary founded in 2008 that distributes niche personal lines (photography, cycle, caravan, breakdown, car hire excess, drone) online via a panel of specialist underwriters, earning commission on over 250,000 UK customers.

Ownership category

akta.pro rank

Product category

Specialty Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industry

Embedded Travel Insurance Distribution & APIs (THALALAA)

Keywords

• Specialist insurance broker
• Cycle insurance
• Caravan insurance
• Breakdown cover
• Camera insurance

Headquarters

HQ city

Guildford

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Insurance Distribution Commission: Eversure earns commission from insurance underwriters (AXA, AIG, Collinson) for each policy sold through their platform. The company acts as an insurance distributor, arranging coverage for customers from specialist underwriters who are experts in their respective fields (caravans, musical instruments, photography equipment, etc.).

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Eversure distributes niche insurance products to UK consumers through its online platform, acting as an insurance intermediary that arranges coverage from specialist underwriters including AXA, AIG, and Collinson. Core offerings include photography and camera insurance, cycle insurance, car hire excess insurance, UK and European breakdown cover, touring and static caravan insurance, and amateur drone insurance. The company handles policy distribution, customer service, and policy administration while underwriting risk is borne by its panel of specialist insurers.

Product overview

Eversure is a specialist insurance provider offering a portfolio of niche insurance products for UK consumers. The core offerings include photography and camera insurance, cycle insurance, car hire excess insurance, and vehicle breakdown cover (UK and European), plus caravan insurance (touring and static). Add-on modules include drone insurance underwritten by AXA, musical instrument insurance, fleet insurance, and optional extras such as public liability, professional indemnity, personal accident, and legal expenses cover. The company operates through a MyAccount self-service portal and provides products via multiple product-specific websites (breakdown.eversure.com, cycle.eversure.com, camera.eversure.com). Insurance is underwritten by specialist providers including AXA, AIG, and Collinson, with claims handled by award-winning third-party claims handlers. The company has won Feefo Platinum awards for five consecutive years and Photography News Best Insurance Provider for two consecutive years.

Differentiator

Problem solved

Functional benefit

Products and services

• Photography Insurance Specialist insurance for photographers covering theft, accidental damage, unattended vehicles, hire of equipment, and studio cover. Includes optional worldwide travel cover, public liability, and professional indemnity for amateurs and professionals.
• Camera Insurance Insurance covering cameras and photography equipment against theft, accidental damage, and loss, offering new-for-old replacement for equipment purchased new.
• Cycle Insurance Bicycle insurance from £24.90 per year covering theft, accidental and malicious damage, cycle hire, and personal accident, including 90 days worldwide cover and new-for-old replacement for new bikes.
• Car Hire Excess Insurance Reimburses car rental excess charges up to £5,000 if the rental vehicle is damaged, lost, or stolen, with optional CDW cover available from £2.49 per day or £42.80 per year.
• UK Breakdown Cover UK vehicle breakdown insurance with cover levels from local recovery to full UK combination cover, including roadside assistance, recovery, onward travel options, and overnight accommodation from £21.84 per year.
• European Breakdown Cover Single trip and annual European breakdown cover with roadside assistance and recovery from front door across Europe for vehicles up to 14 years old, with cover from £15.68 for single trip.
• Touring Caravan Insurance Touring caravan insurance from £13.43 per month covering theft, accidental damage, fire, flood, and storm, including accidental damage whilst being towed and alternative accommodation.
• Static Caravan Insurance Static caravan insurance from £12.33 per month covering theft, accidental damage, fire, flood, and storm, including alternative accommodation when the caravan is unusable.
• Drone Insurance Amateur drone insurance underwritten by AXA covering theft and accidental damage, including worldwide cover up to 120 days per trip, new-for-old replacement, and optional legal expenses cover, with premiums from £19.99.
• Fleet Insurance Multi-vehicle insurance for fleets as part of Eversure's specialist insurance offerings.
• Musical Instrument Insurance Insurance coverage for musical instruments as part of Eversure's specialist insurance offerings.

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Partnerships

Six partnerships are on record, tiered core and minor.

• AWINcoreChannel Partner/ Reseller/ DistributorAWIN is the affiliate network handling Eversure's affiliate program tracking and payments. Partners join through AWIN to promote Eversure insurance products and earn commission. AWIN provides real-time reporting and a 30-day cookie window for affiliates.
• AXAcoreOthersAXA is a primary insurance underwriter for Eversure's drone and photography insurance products. As a trusted specialist underwriter, AXA provides the insurance coverage that Eversure distributes to customers.
• AIGcoreOthersAIG is one of the specialist underwriters in Eversure's panel, providing insurance coverage for Eversure's products. Part of Eversure's network of best specialist underwriters.
• CollinsoncoreOthersCollinson is a specialist underwriter in Eversure's panel, providing coverage for certain insurance products. One of the trusted names Eversure works with.
• FeefominorOthersFeefo is the customer review platform used by Eversure to collect and display verified customer feedback. Eversore has won Feefo Platinum Award for five consecutive years.
• TrustpilotminorOthersTrustpilot is an additional customer review platform where Eversure collects and displays verified customer reviews.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Adrian Flux: UK-based specialist insurance broker offering niche cover for caravans, motorhomes, motorcycles, and modified vehicles. Direct competitor to Eversure's caravan and specialist vehicle distribution model in the UK retail market.
• Bikesure: UK specialist cycle and motorcycle insurance broker with direct online distribution. Directly competes with Eversure in cycle insurance through a similar aggregator/distributor model.
• Insurance2go: UK specialist gadget and electronics insurance distributor (now part of Laka ecosystem). Competes with Eversure's camera/photography equipment insurance in the high-value personal electronics segment.
• Carole Nash: Established UK specialist insurance broker focused on motorcycles, classic cars, and niche vehicles. Comparable to Eversure's specialist-broker-and-distributor model with multi-vertical product portfolio.
• Pedal Cover: UK specialist cycle insurance provider offering theft, damage, and worldwide cover. Direct competitor to Eversure's cycle insurance line with similar pricing points and coverage structure.
• Protect Your Bubble: UK gadget and lifestyle insurance distributor offering cover for phones, gadgets, bicycles, and travel. Overlaps with Eversure's photography, cycle, and travel-adjacent product lines through similar D2C distribution.

Broad incumbents

• Towergate Insurance: Large UK commercial and specialist insurance broker with broad product coverage. Operates in many of the same niches as Eversure but as a much larger, multi-channel incumbent with commercial and personal lines.
• Compare the Market: Major UK price-comparison aggregator that has expanded into specialist insurance categories. Indirectly competitive with Eversure by commoditizing insurance discovery and potentially pulling traffic away from specialist direct channels.

Emerging players

• Laka: UK Insurtech offering specialist cycle and motorcycle insurance with a tech-forward, peer-to-peer-style model. Represents a digitally native, well-capitalized emerging threat to Eversure's cycle and specialist vehicle business.
• Bought By Many (now Many Pets): UK Insurtech aggregator that pioneered specialist niche insurance distribution online. Strategic competitor to Eversure's specialist-broker model with significant VC backing and broader product portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Eversure_Insure
• Facebookfacebook.com/EversureInsurance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Eversure