Insurance Factory

What Insurance Factory does

Insurance Factory is a UK-based specialist insurance broker operating as a trading name of Insurance Factory Limited, a private company authorised and regulated by the Financial Conduct Authority (FCA No. 306164). Founded in 1974 and headquartered at Markerstudy House in Sevenoaks, Kent, the business is structured as a subsidiary within the Markerstudy Group of companies. It does not underwrite risk; instead it acts as an intermediary, searching a curated panel of insurer partners — Zurich, Aviva, Allianz, and AGA — to arrange motor insurance policies for customers who face difficulty obtaining standard coverage.

The company's product portfolio centres on non-standard motor insurance. Core lines include car insurance for convicted drivers (covering drink driving offences, criminal records, and licence endorsements), impounded and seized vehicle release insurance (30-day and 365-day policies), van and courier insurance, taxi and taxi fleet insurance, motorhome and campervan insurance, minibus insurance, and motor trade insurance for dealers and mechanics. The underlying technology is a conventional insurance brokerage platform supporting online quote capture and panel-based price comparison; no proprietary underwriting engine, AI-driven pricing, or algorithmic risk selection is evidenced.

Insurance Factory acquires customers primarily through phone-based direct sales — with dedicated inbound lines per product category — supplemented by web-based quote request forms and a heavy SEO/content marketing programme targeting informational queries from convicted and high-risk drivers. The revenue model is commission-based: the firm earns referral fees from insurer partners for each policy arranged. Pricing is quote-based with no publicly disclosed tiers and billing is typically monthly. The firm holds UK-level recognition as a Times Best Company award recipient and a Disability Confident Employer, and operates exclusively within the United Kingdom.

Name

Insurance Factory

Legal name

Insurance Factory Limited

Website

https://insurancefactory.co.uk

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Short description

Insurance Factory is a UK-based specialist insurance broker arranging non-standard motor insurance for convicted drivers, high-risk motorists, and impounded vehicle owners through a curated panel of major insurer partners, operating within the Markerstudy Group.

Ownership category

akta.pro rank

Product category

Non-Standard Motor Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Non-Standard / High-Risk Personal Auto Insurance (FSAJAAAD)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Garage Liability & Dealers (Auto Dealers, Repair Shops) (FSAJABAF)

Keywords

• Non-standard motor insurance
• Specialist vehicle insurance
• Convicted driver insurance
• Impounded vehicle insurance
• Motor trade insurance

Headquarters

HQ city

Rowley Regis

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: Insurance Factory acts as an intermediary broker, arranging policies from their panel of insurer partners. They earn commission from insurers for placing business, searching their panel to find the best price for customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Insurance Factory is a UK insurance broker that arranges non-standard motor insurance policies for drivers and vehicle owners who are typically declined or poorly served by mainstream insurers. It searches a panel of specialist underwriters — including Zurich, Aviva, Allianz, and AGA — to deliver tailored cover across cars, vans, taxis, motorhomes, campervans, minibuses, motor trade vehicles, and impounded vehicles, with particular focus on convicted drivers, drink-driving offenders, and those with criminal records.

Product overview

Insurance Factory is a UK-based insurance broker specialising in vehicle insurance for drivers who face difficulty obtaining standard cover. The core portfolio centres on car insurance for convicted and high-risk drivers (including drink driving, criminal record, and seizure/impound scenarios), alongside van, taxi, and specialist vehicle insurance (motorhomes, campervans, minibuses) and motor trade insurance. The company acts as a specialist broker, searching a panel of insurer partners to arrange tailored policies for non-standard driving situations. Key products include convicted driver car insurance, impounded vehicle release insurance (30-day and 365-day policies), taxi fleet insurance, courier insurance, and motor trade fleet insurance. The offering is structured as a broker model — not a single platform — with each product line addressing a specific non-standard vehicle insurance need.

Differentiator

Problem solved

Functional benefit

Products and services

• Convicted Driver Car Insurance
• Van Insurance Specialist van insurance for individual van owners and small businesses, including courier use, sourced from a panel of specialist underwriters. Designed for non-standard van drivers who cannot obtain cover from mainstream insurers.
• Taxi Insurance Specialist hire-and-reward taxi insurance for private hire and public hire vehicles, including single drivers and small fleets. Arranged through a panel of specialist underwriters for drivers who need cover that excludes them from standard private car policies.
• Taxi Fleet Insurance Specialist hire-and-reward fleet cover for taxi operators running multiple vehicles. Designed for small to mid-sized taxi fleet owners seeking a single policy to cover their private hire or public hire vehicles.
• Motorhome Insurance Specialist insurance for motorhomes used for leisure travel, sourced from specialist underwriters with cover adapted to non-standard leisure use cases that mainstream insurers often exclude or restrict.
• Campervan Insurance Specialist insurance for campervans and converted vans used for leisure travel, arranged from a panel of specialist underwriters for owners of non-standard or converted leisure vehicles.
• Minibus Insurance Specialist insurance for minibuses used for family, community, or small passenger-carrying purposes, sourced from specialist underwriters for use cases excluded from standard private car policies.
• Motor Trade Insurance Specialist motor trade insurance for dealers, repairers, valeters, and vehicle testers who need to drive, move, and store customers' vehicles in the course of trade. Sourced from a panel of specialist underwriters with cover that ordinary private policies exclude.
• Motor Trade Fleet Insurance Specialist motor trade fleet cover for businesses operating multiple vehicles in the course of trade, allowing multiple vehicles to be insured under a single motor trade policy arrangement.
• Courier Insurance Specialist van insurance tailored for courier and delivery drivers, covering the carriage of goods for hire or reward under non-standard commercial use.
• Impounded Car Insurance Short-term specialist car insurance for owners of cars that have been seized or impounded and held in a police pound, providing the documentation needed to release the vehicle.
• Impounded Van Insurance Short-term specialist van insurance for owners of vans that have been seized or impounded and held in a police pound, providing the documentation needed to release the vehicle.
• Gap Insurance Standalone Gap Insurance product covering the difference between a vehicle's market value and its original invoice or outstanding finance in the event of a total loss. Sold separately to motor insurance customers.

Quantifiable outcome

• 59% average increase in car insurance premiums for drivers with criminal records (industry statistic cited in their content)

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• ZurichcoreChannel Partner/ Reseller/ DistributorZurich is one of the insurer partners on Insurance Factory's panel, providing coverage options for their non-standard motor insurance products.
• AvivacoreChannel Partner/ Reseller/ DistributorAviva is one of the insurer partners on Insurance Factory's panel, providing coverage options for their non-standard motor insurance products.
• AllianzcoreChannel Partner/ Reseller/ DistributorAllianz is one of the insurer partners on Insurance Factory's panel, providing coverage options for their non-standard motor insurance products.
• AGAcoreChannel Partner/ Reseller/ DistributorAGA (Automobile General Insurance) is one of the insurer partners on Insurance Factory's panel, providing coverage options for their non-standard motor insurance products.

Recent moves6 records

Expansion highlights4 records

Direct peers

• Adrian Flux: UK specialist insurance broker focused on non-standard and high-risk motor insurance, including convicted drivers, modified cars and unusual vehicles — directly comparable in customer profile and product scope to Insurance Factory.
• Sureterm Direct: UK broker specialising in non-standard motor and taxi insurance for drivers with convictions, claims or inexperience — overlapping heavily with Insurance Factory's core convicted-driver and taxi segments.
• Choicequote: Specialist UK broker arranging non-standard motor and van insurance through a panel of insurers for high-risk drivers — directly comparable broker model and customer base to Insurance Factory.
• Brentacre Insurance: UK broker specialising in modified, imported and non-standard motor insurance, including motor trade and specialist vehicles — closely aligned with Insurance Factory's specialist and motor trade product lines.
• Sky Insurance: UK specialist motor broker covering non-standard, performance and modified car insurance, as well as motor trade and van cover — directly comparable in niche and channel mix to Insurance Factory.
• One Call Insurance: UK motor insurance broker with strong presence in non-standard and high-risk driver segments, distributing across a panel of insurers — comparable broker model, panel strategy and target customer.
• Lexham Insurance: Specialist UK motor broker focused on non-standard drivers and niche vehicle types, including convicted and high-risk drivers — overlapping customer segments and broker distribution model with Insurance Factory.
• Tiger.co.uk: UK specialist motor insurance broker panel comparing quotes for non-standard, young and high-risk drivers — directly comparable in target customer and panel-based distribution model.

Emerging players

• MCE Insurance: UK specialist broker with strong non-standard motor and motorcycle focus and an early digital quote-and-bind capability — comparable niche but with a more digital-native acquisition model than Insurance Factory.

Broad incumbents

• Markerstudy Insurance Services: Parent group and broader specialty insurance arm of the Markerstudy Group, of which Insurance Factory is a subsidiary — comparable as a UK motor insurance platform but operating at materially larger scale and broader scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/insurance_fact
• LinkedInlinkedin.com/company/insurance-factory

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 Insurance Factory