Excel Insurance

What Excel Insurance does

Excel Insurance is a UK independent insurance broker operating as a trading name of Finance Investments Limited (Companies House No. 3043444; FCA Firm Ref. 306629). Founded in 1997 and headquartered in Suite 19F Mobbs Miller House, Ardington Road, Northampton, the firm serves personal and commercial clients across the UK with a sales-led, relationship-driven model. The employee base is reported in the 1–10 range, and the firm explicitly cites "thousands of satisfied clients" with the operational posture of travelling up to 100 miles for in-person consultations.

The commercial book spans eleven product lines: Commercial Combined, Motor Fleet, Property Owner, Public & Employer Liability, Tradesperson, Shop & Retailer, Office, Motor Trade, Professional Indemnity, Cyber, and Commercial Vehicle insurance. Personal lines comprise Home and Motor insurance. The portfolio is delivered through intermediation rather than underwriting: Excel Insurance does not carry balance-sheet risk and earns transaction-based commissions by placing client risk with leading UK insurers. The technology surface is a Wix-hosted website with no proprietary platform, no APIs or SDKs, no application software, and no disclosed data assets. Marketing is conducted through the company website, Facebook, Instagram, LinkedIn, and Yell business directory and reviews.

The go-to-market is direct distribution: phone, email, website enquiry, and field-based face-to-face meetings. Customer segments are horizontal and SMB-tilted — retailers, tradespersons, motor traders, property owners, fleet operators, and individual homeowners — with no enterprise logos or concentrations disclosed. Revenue figures are not publicly reported, no funding rounds have been recorded, and no M&A, partnership, or leadership-transition activity is documented in the source material.

Name

Excel Insurance

Legal name

Finance Investments Ltd T/A Excel Insurance

Website

https://excelinsurance.co.uk

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Excel Insurance is a UK independent insurance broker, FCA-authorised and based in Northampton, arranging commercial lines (fleet, retail, trades, motor trade, property, cyber, liability) and personal lines (home, motor) for SMB and individual clients via commission-based intermediation with multiple leading insurers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Umbrella Insurance (FSAJANAB)

akta.pro secondary industries

Professional Liability (Errors & Omissions) (FSAJADAB), Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

Keywords

• Commercial insurance brokerage
• Personal lines insurance
• Motor fleet insurance
• Property owner insurance
• Professional indemnity insurance

Headquarters

HQ city

Northampton

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker, Excel Insurance earns commissions from insurance providers when arranging insurance policies for clients. They work with multiple leading insurers to find appropriate coverage at competitive premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Excel Insurance is an independent insurance broker that arranges commercial and personal insurance policies on behalf of clients by accessing multiple leading UK insurers. The commercial portfolio includes Commercial Combined, Motor Fleet, Property Owner, Public & Employer Liability, Tradesperson, Shop & Retailer, Office, Motor Trade, Professional Indemnity, Cyber, and Commercial Vehicle insurance, while the personal lines portfolio covers Home and Motor insurance. Quotations are tailored to client requirements and policies are typically billed monthly.

Product overview

Excel Insurance is an independent insurance broker established in 1997, offering a portfolio of commercial and personal insurance products. The commercial portfolio includes Commercial Combined Insurance, Motor Fleet Insurance, Property Owner Insurance, Public & Employer Liability Insurance, Tradesperson Insurance, Shop & Retailer Insurance, Office Insurance, Motor Trade Insurance, Professional Indemnity Insurance, Cyber Insurance, and Commercial Vehicle Insurance. The personal lines portfolio includes Home Insurance and Motor Insurance. The company acts as an intermediary working with leading insurers to arrange customised insurance packages for businesses and individuals across the UK.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Combined Insurance Comprehensive commercial insurance package covering multiple risks for businesses under a single policy. Designed for UK businesses and organisations of all sizes seeking consolidated commercial cover.
• Motor Fleet Insurance
• Property Owner Insurance Tailored insurance for residential lets, commercial properties, mixed portfolios, unoccupied properties, and buildings under renovation. Built for landlords and property owners.
• Public & Employer Liability Insurance Covers legal defence costs and compensation for injuries to third parties or accidental damage caused by business activities; employers liability is mandatory for businesses with employees. For UK businesses and organisations.
• Tradesperson Insurance Comprehensive coverage for tradespeople including public liability, employers liability, tool cover, and contract works insurance. Designed for sole traders through to larger contractors.
• Shop & Retailer Insurance Package policy for retail outlets covering buildings and contents, public and products liability, employers liability, business interruption, money cover, and shop front glass. For small to medium retail outlets.
• Office Insurance Coverage for office spaces, contents, electronic equipment, fixtures and fittings against risks including fire, theft, flood, and liability. For office-based businesses.
• Motor Trade Insurance Insurance for motor traders covering road risk, public and employers liability, property damage, and business interruption. For motor trade businesses from sole traders to large dealerships.
• Professional Indemnity Insurance Protects professionals against claims from clients for financial harm caused by mistakes, misjudgements, or breaches of professional duty. For professional services firms.
• Cyber Insurance Coverage against digital threats including data breaches, ransomware attacks, business interruption, cyber extortion, and legal expenses. For businesses exposed to cyber risk.
• Commercial Vehicle Insurance Insurance allowing commercial use of vans for transporting goods, tools, or equipment, with coverage for daily commute and personal use. For commercial van owners and operators.
• Home Insurance
• Motor Insurance (Personal) Personal motor insurance covering cars and vans with third-party, third-party fire and theft, and fully comprehensive options plus optional extras like breakdown assistance and legal protection. For individual car and van owners.

Quantifiable outcome

• Over 27 years of continuous operation since 1997
• +1 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• NFU Mutual: UK mutual insurer and broker providing commercial and personal lines, including strong presence with rural and small-business clients. Competes with Excel in the SME/property owner and personal lines segments.
• Marsh: Global insurance broker and risk adviser with a significant UK commercial practice. Overlaps with Excel on commercial combined, liability, fleet, and PI but serves larger enterprise and mid-market accounts.
• Towergate Insurance: Large UK insurance broker operating across commercial, personal, and specialty lines. Overlaps with Excel across SME commercial products but at materially greater scale and with a regional office network.
• Howden Insurance Brokers: Major UK and international insurance broker with deep SME and mid-market commercial presence. Comparable product set (commercial combined, fleet, liability, cyber, PI) but with significantly broader geographic and segment reach.
• Hastings Direct: UK direct-to-consumer insurer and broker offering personal motor and home insurance. Overlaps with Excel's personal lines book but operates at vastly greater scale with a digital-first model.

Direct peers

• County Insurance Services: UK regional insurance broker serving SMEs with commercial combined, motor trade, and property cover. Comparable in scale, regional positioning, and product mix to Excel Insurance.
• A-Plan Insurance: UK high-street insurance broker arranging commercial and personal lines for individuals and SMEs. Highly comparable business model — independent intermediary arranging coverage from multiple insurers, with a personal-service orientation.
• Adrian Flux Insurance Services: UK independent broker specialising in niche and non-standard commercial and personal lines. Comparable as a UK broker competing on specialist expertise and bespoke cover rather than price.
• Bollington Insurance Brokers: UK commercial insurance broker arranging SME and mid-market commercial lines via multiple insurer panels. Closely comparable in product mix (commercial combined, motor trade, liability) and intermediary model.

Emerging players

• Simply Business: UK digital broker platform focused on commercial lines for SMEs and micro-businesses. Comparable in target customer base (retailers, trades, small commercial) but with a fully digital, platform-based delivery model that contrasts with Excel's high-touch approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Excel-Insurance-817733081709753
• LinkedInlinkedin.com/company/excel-insurance-co
• Instagraminstagram.com/excel_insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Excel Insurance