Complete Cover Group

What Complete Cover Group does

Complete Cover Group Limited is a UK-based, FCA-authorised (FS Register 309611) insurance broker registered in England & Wales (company number 3578103) and headquartered at Mara House, Tarporley Business Centre, Cheshire. The firm is owned by Ormiston Holdco Limited, part of the Abacai group of companies alongside captive underwriter Mulsanne Insurance Company Ltd (MICL). The broker specialises in non-standard motor insurance, serving convicted drivers, drink-driving offenders, drivers with previous claims or limited No Claims Discount, impounded-vehicle owners (often IN10-related), and niche commercial segments including courier, catering, taxi, and UBER/rideshare drivers.

The product portfolio spans car, van, taxi, UBER, home, and travel cover under multiple sub-brands (Complete Car/Van EXTRA+, EXPRESS, FareCOVER, Hyper Hotline, Prestige Keep Moving), with add-ons such as Motor Legal, Breakdown, Excess Reduction/Recovery, Personal Accident, Replacement Vehicle, Windscreen, Gadget, Key, Tools in Transit, and Family Legal Expenses. Distribution is primarily telephone-led with online quote retrieval, and the broker earns commission per policy from its insurer panel together with transactional fees (£90 set-up, £50 change, £50-£125 cancellation) and an affiliate commission from Close Brothers Premium Finance. Panel relationships include MICL (intra-group), Policy Link (impounded-car origination), and TransUnion for credit/identity checks.

Operationally, the business is in run-off: phone lines were closed on 30 December 2024 as the company no longer holds any active policies, with enquiries on legacy policies now handled by email only. Leadership comprises Shaun Hooper as Group Chief Executive Officer and Angela Darling as Group Compliance Director.

Name

Complete Cover Group

Legal name

Complete Cover Group Limited

Website

https://completecovergroup.com

Company type

Private

Founded year

2000

Operating status

Closed

Headcount range

101–250 employees

Short description

Complete Cover Group Limited is a UK FCA-authorised insurance broker specialising in non-standard motor cover (convicted, impounded, taxi, courier, UBER) for individual motorists, operated as a commission-based intermediary within the Abacai group.

Ownership category

akta.pro rank

Product category

Specialty Motor Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

Keywords

• Specialist motor insurance
• High-risk driver insurance
• Convicted driver cover
• Impounded car insurance
• Insurance brokerage services

Headquarters

HQ city

Surrey

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Insurance Brokerage Commission: Complete Cover Group receives commission (a cut) from insurers for each insurance policy set up. This commission is included as part of the customer's payment for insurance.
2. Set-up Fee: Non-refundable £90 set-up fee charged for setting up a policy. Included in the price when buying or renewing insurance.
3. Policy Change Fee: £50 fee charged for any changes made to a policy after purchase.
4. Cancellation Fees: £50 cancellation fee for changes within cooling-off period (14 days), £125 cancellation fee after cooling-off period. Additional insurer pro-rata charges may apply.
5. Premium Finance Commission: Commission received for introducing customers to Close Brothers Ltd for premium finance (monthly installment payments).
6. Add-on Products: Additional insurance products including Motor Legal Cover, Breakdown Cover, Personal Accident, Key Cover, Gadget Cover, Windscreen Cover, Replacement Vehicle, Tools in Transit, Family Legal Expenses, Home Emergency Cover. May be provided by MICL or other insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Complete Cover Group is an FCA-authorised insurance broker that arranges motor insurance from a panel of insurers, specialising in coverage for high-risk motorists including convicted drivers, drink drivers, drivers with previous claims, and owners of impounded vehicles. The firm also distributes van, taxi, UBER/rideshare, home and travel cover along with optional add-ons such as breakdown, legal, gadget and key cover. The company closed its phone lines on 30 December 2024 and no longer has active policies, handling only past-policy enquiries.

Product overview

Complete Cover Group is an FCA-authorised insurance broker offering a comprehensive portfolio of motor insurance products through multiple sub-brands. The core offerings include Car Insurance (with specialist variants for convicted drivers, drink drivers, impounded vehicles, and drivers with previous claims), Van Insurance (including business, courier, and catering van coverage), and UBER/Rideshare Insurance. The company provides add-on products including Motor Legal Cover, Breakdown & Misfuelling Cover, Excess Reduction/Recovery, Personal Accident, Replacement Vehicle, Windscreen Cover, Gadget Cover, Key Cover, Tools in Transit Cover, Family Legal Expenses, and Home Emergency Cover. Additional branded products include Complete Home Cover, Complete Travel Cover, Complete Car/Van EXTRA+, Complete Car/Van EXPRESS, FareCOVER, Hyper Hotline, and Prestige Keep Moving. Insurance is arranged through a panel of insurers including Mulsanne Insurance Company Ltd (part of the Abacai group).

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Main motor insurance product providing coverage for private vehicles, with options tailored for high-risk drivers including those with convictions or previous claims.
• Convicted Driver Insurance Specialist car insurance for drivers with motoring convictions, designed to provide affordable cover for those who may be declined by standard insurers.
• Drink Driver Insurance Insurance coverage designed for drivers with drink-driving convictions, providing affordable options for this high-risk category.
• Impounded Car Insurance Specialist insurance policies for vehicles seized by police, offering 30-day short-term cover or 12-month annual policies to enable vehicle release from compounds.
• Drivers With Previous Claims Insurance Car insurance tailored for drivers who have made previous claims, offering coverage despite claim history that may affect premiums elsewhere.
• Van Insurance Comprehensive insurance coverage for vans, including business, courier, and catering use cases.
• Business Van Insurance Van insurance designed for business use, covering commercial vehicles and business owners.
• Courier Van Insurance Specialist van insurance for courier and delivery drivers, covering the unique risks of this profession.
• Catering Van Insurance Insurance for catering vans and mobile food businesses, tailored to the specific needs of food vendors.
• UBER Insurance Specialist insurance coverage for rideshare drivers using the UBER platform, covering both personal and commercial driving.
• Complete Home Cover Home insurance product providing coverage for residential properties.
• Complete Travel Cover Travel insurance product for holiday and business travellers.
• Complete Taxi Cover Insurance product line for taxi drivers, part of the Complete Cover Group portfolio.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Mulsanne Insurance Company Ltd (MICL)coreTechnology or IntegrationMulsanne Insurance Company Ltd (MICL) is part of the Abacai group of companies. Complete Cover Group offers motor insurance from a panel of insurers which includes MICL. As part of the same group, systems are in place to manage any conflicts of interest. MICL provides add-on products alongside main motor insurance policies.
• Policy LinkcoreChannel Partner/ Reseller/ DistributorPolicy Link is a specialist insurer partner providing impounded car insurance. Complete Cover Group acts as an introducer, passing customers to Policy Link who collect insurance details and source quotes from their insurer panel. Policy Link offers 30-day short-term and 12-month annual policies, with UK-based call centre open 6 days a week.

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Adrian Flux: UK specialist insurance broker focused on non-standard and high-risk motorists (convictions, performance cars, modified vehicles, motorhomes). Highly comparable to Complete Cover Group's niche specialist-broker positioning and product breadth.
• One Call Insurance: UK motor insurance broker selling through a panel of insurers, with a focus on price-competitive car and van cover. Overlaps with Complete Cover Group's intermediated model and reliance on commission revenue.
• Sky Insurance: UK specialist motor broker offering non-standard cover to high-risk drivers, including convicted and import/modified vehicle owners. Closely comparable customer segment and product specialism to Complete Cover Group.
• Swinton Insurance: Large UK high-street insurance broker arranging motor, home and other lines through a panel of insurers. Comparable intermediation model and multi-line portfolio, though broader customer profile than Complete Cover Group.
• A-Plan Insurance: UK national insurance broker arranging personal and commercial lines including motor, home and van. Operates the same intermediated model and panel-of-insurers structure as Complete Cover Group.

Regional players

• Mulsanne Insurance Company: UK motor insurer within the Abacai group, sister entity to Complete Cover Group via shared ownership. Provides underwriting capacity and add-on products to the Abacai broker network; comparable by product line and parent.
• Higos Insurance: UK regional insurance broker offering personal and commercial lines including specialist motor via a panel. Comparable broker role with specialty servicing, though geographically more concentrated in the South West.

Broad incumbents

• Hastings Direct: UK direct motor insurer serving value and standard segments with own-brand underwriting. Comparable UK motor product category but contrasts with Complete Cover Group's broker/intermediation model.
• Direct Line Group: Major UK motor and home insurance group (Direct Line, Churchill, Privilege, Darwin). Overlaps with Complete Cover Group in personal auto and home lines but operates as a vertically integrated insurer rather than a broker.
• Admiral Group: Largest UK motor insurer (Admiral, Elephant, Diamond, Bell). Same UK personal auto category as Complete Cover Group; competing for the broader pool that Complete Cover Group feeds high-risk customers into.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/completecover
• LinkedInlinkedin.com/company/complete-cover-group

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Complete Cover Group