What One Answer Insurance does

One Answer Insurance Services Limited, trading as One Answer Insurance, is a UK-based specialist insurance intermediary founded in 2000 by Chief Executive Paul Muir and headquartered in Polegate, East Sussex. The company operates exclusively in the UK motor and commercial vehicle insurance market through a portfolio of seven niche product lines: Convicted Driver Insurance, Courier Insurance, Minibus Insurance, Short Term Learner Driver Insurance, High Value Vehicles Insurance, Taxi Insurance, and Impound Insurance. Its customers are predominantly individual drivers and small commercial operators who fall outside standard insurer risk appetites — including motorists with driving convictions, taxi and minibus operators, self-employed couriers, learner drivers, and owners of high-value or impounded vehicles. The company has been authorised and regulated by the UK Financial Conduct Authority (Register number 432453) since founding and is covered by the Financial Ombudsman Service.

The company operates as an intermediary, placing and administering policies on behalf of a panel of UK insurance providers that includes ABC, Ageas, Aviva, and Axa among others. Its revenue model is commission-based: One Answer Insurance Services Limited earns broker commission from insurers for each policy placed, with monthly premium instalment options offered to customers via what appears to be a relationship with a premium finance partner (PremFina contacts appear in the company's complaints documentation). All sales and servicing interactions are conducted by telephone through dedicated phone lines per product category; the company explicitly does not provide online quotations, preferring case-by-case telephone-based discussions, and there is no mobile application or public API.

The firm employs 51–100 staff across nine functions including Underwriting, Sales, Renewals, Customer Service, HR, Quality and Compliance, Infrastructure & Development, Finance and Debt Collection, and Training. There is no disclosed proprietary technology platform, no AI or machine-learning capability referenced, and no public funding rounds, M&A activity, or geographic expansion beyond England. Competitive positioning rests on domain specialisation in non-standard motor risks, 25 years of operating history, and access to its multi-carrier insurer panel.

Name

One Answer Insurance

Legal name

1 Answer Insurance Services Limited

Website

https://1answer.co.uk

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Short description

One Answer Insurance is a UK specialist insurance broker founded in 2000, placing motor and commercial vehicle policies through a panel of insurers. It serves convicted drivers, couriers, minibus and taxi operators, learner drivers, and high-value vehicle owners via telephone-based sales.

Ownership category

akta.pro rank

Product category

Specialist Motor Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Personal Auto Insurance (FSAJAMAA)

Keywords

• Specialist motor insurance
• Insurance brokerage services
• Commercial vehicle insurance
• Convicted driver insurance
• Non-standard auto insurance

Headquarters

HQ city

Polegate

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 Intermediary Commission: One Answer Insurance Services Limited acts as an intermediary broker, placing and administering insurance policies on behalf of their panel of insurers. They earn commission from insurers for policies placed. The company also offers monthly instalment payment options, implying they may receive financing-related revenue or interest from premium financing partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

One Answer Insurance is a specialist insurance broker that places and administers motor insurance policies on behalf of a panel of UK insurers for niche customer segments. Its core offering consists of seven specialist products (Convicted Driver, Courier, Minibus, Short Term Learner, High Value Vehicles, Taxi, and Impound Insurance) sold via telephone and supported by a content website with no online quoting capability.

Product overview

One Answer Insurance is a specialist insurance broker providing multiple niche insurance products through a portfolio of seven distinct offerings: Convicted Driver Insurance, Courier Insurance, Minibus Insurance, Short Term Learner Driver Insurance, High Value Vehicles Insurance, Taxi Insurance, and Impound Insurance. The company operates through dedicated sub-domain platforms for each product category (convicted.1answer.co.uk, courier.1answer.co.uk, taxi.1answer.co.uk, minibus.1answer.co.uk) and connects customers with panel insurance providers. The products are designed for non-standard driving situations and specialized vehicle types, with a business model focused on telephone-based quotation discussions rather than fully automated online quotes.

Differentiator

Problem solved

Functional benefit

Brands

• Convicted: Specialist cover for drivers with convictions, offering competitive quotes for drivers over 23 with flexible payment options.
• Courier
• Minibus
• Short Term
• High Value Vehicles
• Taxi
• Impound Insurance

Products and services

• Convicted Driver Insurance

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Panel of UK Insurance ProviderscoreOthersOne Answer Insurance Services Limited acts as an intermediary broker placing and administering insurance policies on behalf of their panel of insurers. The company has established links to some of the best insurance providers in the UK. Specific insurer names visible on their policy documents include ABC, Ageas, Aviva, Axa, and numerous others across their product lines.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Sureterm Direct: Specialist UK motor insurance broker focused on short-term, temporary and non-standard vehicle cover including learners and convictions. Closely mirrors One Answer's Short Term Learner Driver product line and convicted-driver positioning.
• Dayinsure: UK specialist short-term and temporary motor insurance provider covering learners, impound release and daily cover. Directly comparable to One Answer's Short Term Learner Driver and Impound Insurance product lines.
• Adrian Flux: Long-established UK specialist insurance broker focused on non-standard and high-risk motor cover including convicted drivers, performance cars, and modified vehicles. Operates a similar panel-broker model serving specialty motor segments in the UK.
• Marmalade: UK specialist insurer/broker focused on young and learner drivers with telematics-based policies. Overlaps with One Answer's Short Term Learner Driver product category and younger-driver positioning.
• Devitt Insurance Services: UK specialist insurance broker with deep taxi, minibus and commercial vehicle expertise. Direct overlap with One Answer's taxi, minibus, and courier specialist product lines within the panel-broker model.
• Keith Michaels Insurance: UK specialist non-standard motor insurance broker providing cover for drivers with convictions, importers, and modified vehicles. Comparable to One Answer in focus on under-served UK motor niches and panel-broker distribution.
• Chris Knott Insurance: UK specialist motor broker particularly strong in modified, imported and high-performance vehicle cover. Comparable to One Answer's High Value Vehicles and specialist-risks focus area.

Broad incumbents

• Compare the Market: Major UK insurance aggregator and price-comparison platform exposing non-standard and specialist motor products. Represents the broader digital distribution channel that competes for the same specialist-motor customer intent.
• Moneysupermarket: UK general insurance aggregator across motor, home and life products. Indirect competition for One Answer's specialist-motor customers in the price-comparison stage of the funnel.
• Swiftcover: UK direct/online motor insurer offering standard and modified-car cover. Broader incumbent in the UK motor distribution space against which specialist brokers like One Answer compete on niche expertise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/1answerinsure

Compliance1 record

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 One Answer Insurance