Fiveways Insurance Group

What Fiveways Insurance Group does

Fiveways Insurance Group is an independent UK insurance intermediary (broker) trading as Fiveways Insurance Consultants Ltd, founded in 1967 and headquartered at 51 High Street, Newport, Shropshire, with a second office in Stafford, Staffordshire. The firm is authorised and regulated by the Financial Conduct Authority (FRN 309418) and operates as a member of The Broker Network, with access to a broad panel of UK insurers and Lloyd's of London coverholder status including delegated underwriting authority for ERS (Equity Red Star) private car cover. It distributes exclusively through direct customer contact (phone, email, in-person office visits, and virtual meetings), serving UK individuals, small/mid-sized businesses, and high net worth private clients.

The product portfolio spans three main segments: Business Insurance (13 categories including aviation, marine & cargo, commercial motor, construction, cyber liability, professional risks, property owners, retail, specialist trades, and tradesman); Personal Insurance (home, motor, caravan & motorhome, residential property owners, travel, young drivers, and student driver); and Private Clients (high net worth home, holiday homes, prestige and classic cars, yachts & boats). Supplementary products include GAP Insurance, Trade Credit Insurance, and Drone/UAS Insurance. A specialist sub-brand, Greenways Insurance Consultants, launched in 2016 to serve the electric vehicle niche, and a separate Woodways Insurance brand is listed on the corporate site.

The revenue model is commission-based: the firm earns broker commission from insurers on placed and renewed premiums, augmented by policy administration fees (£35–£95 per policy depending on consumer vs. commercial and the type of service), and finance arrangement fees where customers pay by instalments via a third-party lender. Fiveways is a sub-10-person operation with no proprietary technology platform, no public APIs, and no disclosed AI/ML capabilities, functioning as a traditional advice-led brokerage with content marketing and social media supporting top-of-funnel lead generation.

Name

Fiveways Insurance Group

Legal name

Fiveways Insurance Consultants Ltd

Website

https://fivewaysinsurance.co.uk

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

1–10 employees

Short description

Fiveways Insurance Group is a UK independent insurance broker (FCA-regulated, FRN 309418) founded in 1967, operating from Newport and Stafford offices to place personal, commercial, and high net worth insurance with a panel of UK insurers via The Broker Network and Lloyd's coverholder status.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & Advisory

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage
• Commercial insurance
• Personal insurance
• High net worth insurance
• Insurance intermediary

Headquarters

HQ city

Newport

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Fiveways Insurance earns commission from insurance providers for placing and renewing insurance cover. Commission is included in the premium paid by the customer and received once payment is received as cleared funds. The firm also receives additional remuneration from certain insurers, finance providers, and claims management services.
2. Policy administration fees: The company charges fees for new business, renewals, mid-term adjustments, lost documents, and temporary changes. Fees are non-refundable and vary between consumer (£35–£50) and commercial (£50–£95 or 5% of premium) customers.
3. Finance arrangement fees: Where customers pay premiums by instalments through a finance provider, Fiveways may receive commission from the lender for introducing customers to the finance facility.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Fiveways Insurance Group is an independent insurance intermediary (broker) that provides professional advice and arranges insurance policies on behalf of customers across personal, business, and high-net-worth segments. The firm places business with a broad panel of UK insurers through its Broker Network membership and holds Lloyd's of London coverholder status with delegated underwriting authority. Services are delivered through experienced advisers based in the Newport (Shropshire) and Stafford (Staffordshire) offices via phone, email, in-person consultations, and virtual meetings.

Product overview

Fiveways Insurance Group is an independent insurance intermediary (broker) established in 1967, providing professional insurance advice and access to top UK insurers. The company operates as a single-service broker model with a diverse product portfolio organized across three main customer segments: Business Insurance (covering 13 specialist areas including Aviation, Commercial Motor, Construction, Cyber Liability, Liability, Manufacturing, Professional Risks, Property Owners, Retail, Specialist Trades, and Tradesman), Personal Insurance (covering Home, Motor, Caravan/Motorhome, Travel, Young Drivers, and Student Driver), and Private Clients (covering High Net Worth Home, Holiday Homes, Prestige/Classic Cars, and Yachts/Boats). The group also operates Greenways Insurance as a specialized sub-brand for electric vehicles. Supplementary products include GAP Insurance, Trade Credit Insurance, and Drone/UAS Insurance. The company is a Lloyd's of London coverholder with delegated underwriting authority for ERS private car cover.

Differentiator

Problem solved

Functional benefit

Brands

• Greenways Insurance Consultants: Specialist electric vehicle insurance division launched in 2016, operating from the Newport branch of Fiveways.

Products and services

• Aviation, Marine & Cargo Insurance Specialized insurance coverage for aviation, marine, and cargo business operations, arranged for businesses with exposure in these transport and logistics sectors.
• Business Combined Insurance Comprehensive combined insurance solution for businesses covering multiple risks under one policy, simplifying cover for SMEs requiring several insurance lines together.
• Care & Social Insurance Insurance coverage tailored for care providers and social service organisations, addressing the specific liability and property risks of the care sector.
• Commercial Motor Insurance Vehicle insurance for commercial businesses covering fleets and commercial vehicles, including trucks, vans, and company cars.
• Construction Insurance Insurance solutions for construction businesses covering contractors, building projects, and related construction-sector risks.
• Cyber Liability Insurance and Data Protection Insurance coverage protecting businesses against cyber threats, data breaches, and associated liability and notification costs.
• Liability Insurance Coverage for various liability risks including public liability, employers liability, and professional liability for commercial customers.
• Manufacturing and Distribution Insurance Insurance coverage for manufacturing operations and distribution businesses, addressing property, liability and interruption risks typical of the sector.
• Professional Risks Insurance Professional indemnity and errors and omissions coverage for professional service providers such as consultants, accountants and advisers.
• Property Owners Insurance Coverage for commercial property owners protecting buildings, rental income, and related property owner liabilities.
• Shops, Offices & Retail Insurance Retail and commercial premises insurance covering shops, offices, and retail establishments, including contents, stock and business interruption cover.
• Specialist Trades Insurance Specialized coverage for specialist trade businesses beyond standard tradesman policies, addressing niche trade-related risks and tools cover.
• Tradesman Insurance Insurance for tradespeople including contractors, builders, and skilled trades workers covering liability, tools and works-in-progress.
• Caravan and Motorhome Insurance Specialist coverage for caravans and motorhomes, including tourer caravans, campervans, and static vans for individual owners.
• Home Insurance (Household) Comprehensive household insurance covering buildings and contents for personal residences, arranged through the company's broker panel.
• Motor Insurance Personal vehicle insurance covering cars and private motor vehicles. The firm holds delegated underwriting authority for ERS private car cover via Lloyd's coverholder status.
• Residential Property Owners Insurance Coverage for individuals who own residential properties for rental or investment purposes, covering landlord liability and property damage.
• Travel Insurance Travel insurance covering medical expenses, trip cancellations, lost baggage, and travel-related emergencies for individual travellers.
• Young Drivers Insurance Specialist motor insurance for young and newly qualified drivers, using black box (telematics) technology to reduce premiums based on driving behaviour.
• Student Driver Insurance Temporary car insurance for students aged 18-27 with full UK driving licence, offering short-term cover for 7, 14, 21, and 28 days without affecting the owner's No Claims Bonus.
• High Net Worth Home Insurance Specialist household insurance for high-value properties and high net worth individuals with valuable possessions, fine art, jewellery and listed buildings.
• Holiday Homes Insurance Coverage for owners of holiday homes and second properties, including unoccupied periods and letting exposure.
• Prestige and Classic Cars Insurance Specialist insurance for high-value, prestige and classic vehicles, typically arranged on an agreed-value basis.
• Yachts & Boats Insurance Insurance coverage for yachts and boats — marine vessels for private clients, addressing hull, machinery and third-party liability risks.
• Greenways Insurance (Electric Vehicle Insurance) Specialized insurance division launched November 2016 for electric vehicle owners, offering coverage tailored to the unique requirements of electric cars and addressing range anxiety concerns, with the ability to use existing No Claims Discount on second cars.
• GAP Insurance Guaranteed Asset Protection insurance covering the difference between vehicle value and purchase price or outstanding finance, including Purchase Price Protection, Finance GAP, Total Loss Top Up, and Fleet GAP options.
• Trade Credit Insurance Insurance protecting businesses when customers fail to pay, typically covering 75-95% of outstanding debts due to insolvency or protracted default.
• Drone/UAS Insurance Specialist insurance for unmanned aerial systems (drones) covering equipment, third-party liability, war and terrorism as required by Civil Aviation Authority regulations for commercial operators.

Segments3 records

Ideal customer profiles3 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, major and minor.

• Lloyd's of LondoncoreTechnology or Integration · 3 July 2016Fiveways Insurance Group was granted prestigious coverholder status with Lloyd's of London, one of the world's leading insurance markets. The status was granted along with delegated underwriting authority for ERS (Equity Red Star) private car cover, enabling Fiveways to underwrite ERS private car insurance products in-house and provide competitive premiums tailored to client needs.
• Broker NetworkcoreChannel Partner/ Reseller/ DistributorFiveways Insurance is a member of Broker Network, an independent insurance intermediary network. Client money is held by The Broker Network Limited in a Non-Statutory Client Trust Bank Account with RBS, HSBC or Santander, and premiums are paid to insurers on behalf of the broker.
• ERS (Equity Red Star)majorTechnology or IntegrationFiveways was granted delegated underwriting authority for ERS (formerly Equity Red Star) private car insurance products. This enables Fiveways to underwrite ERS private car insurance products in-house, providing clients with access to competitive private car insurance premiums tailored to specific needs.
• RiskStop Group LtdminorOthersRiskStop Group Ltd provides Insurance Risk Management services and prepared guidance for property owners during the COVID-19 pandemic, which Fiveways shared with its customers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Compare the Market: UK price-comparison platform that channels the same personal-lines customers Fiveways targets; not a direct competitor in service model but the dominant digital alternative for price-sensitive buyers.

Direct peers

• A-Plan Insurance: UK high-street insurance broker chain offering personal and commercial lines via local branches; closely comparable business model (face-to-face advice, multi-insurer panel) and similar SMB/prosumer customer base to Fiveways.
• NFU Mutual: UK mutual insurer-broker with a strong regional agency network serving personal and commercial lines; comparable in its reliance on local agent relationships and broad product portfolio to Fiveways.
• Adrian Flux Insurance Services: UK specialist independent broker focused on niche personal lines (classic cars, motorhomes, high-performance vehicles); closely comparable as a small specialist intermediary operating outside the mass-market aggregator channel.
• OneBroker Insurance: Independent UK commercial insurance broker with regional offices; comparable as a mid-sized independent intermediary serving SME and specialist commercial clients across multiple sectors.
• Bollington Insurance: UK independent broker group with regional offices across the Midlands and North; directly comparable independent model, multi-line offering, and reliance on delegated authority from insurer partners.
• Swinton Insurance: Long-established UK high-street insurance broker offering personal and commercial lines; directly comparable in distribution model and product breadth even though materially larger in scale.

Broad incumbents

• Markerstudy Group: UK motor insurance specialist that owns multiple broker brands; comparable in its proprietary underwriting on private car — the same line in which Fiveways holds ERS delegated authority.
• Towergate Insurance: One of the UK's largest independent insurance brokers; offers substantially overlapping personal, commercial, and specialist products at far greater scale than Fiveways.
• Howden Broking Group: Large international insurance broker with strong UK retail and commercial franchise; competes for the same SME and specialist commercial clients as Fiveways but at much greater scale and geographic breadth.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/fivewaysinsure
• Facebookfacebook.com/FivewaysInsurance
• LinkedInlinkedin.com/company/fiveways-insurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 Fiveways Insurance Group