Unicom Insurance Services

What Unicom Insurance Services does

Unicom Insurance Services is a UK specialist insurance broker focused exclusively on the motor trade industry, established in 1992 and now operating as a trading style of One Sure Insurance Ltd (FCA firm reference 447730) following the 2022 acquisition. It serves UK-based motor traders — including part-time traders, mechanics and garages, car dealers, vehicle recovery operators, and trade employers — distributing motor trade road-risk policies, combined premises-and-liability packages, employers' and public liability cover, and modular add-ons (Traders Breakdown, Tools in Transit, Trade Plate) through a panel of more than 30 insurers including Allianz, Aviva, AXA, Covea, NIG, Q Underwriting, Tradex, and Clegg Gifford.

The company's core technology is a broker platform with Motor Insurance Database (MID) integration that enables traders to add or remove vehicles online with direct connectivity to 11+ insurer systems (Tradex, Clegg Gifford, Eridge, Covea, KGM, QTrade, Roadrunner, Granite, Niche Cover, Allianz, NIG/Intact), supported by a self-service quote portal (quotes.unicominsurance.com) and a content/SEO blog for top-of-funnel demand. Distribution is direct-to-customer via a multi-line phone operation (general, new quotes, renewals, claims, combined), email enquiries, and digital channels (Google Ads with dynamic phone routing, Facebook Pixel retargeting, organic social). The company has won Car Dealer Magazine's "Motor Trade Insurance Provider of the Year" award three times (2017, 2019, 2021).

Revenue is generated through three streams: insurance commission (typically 5-20% of insurer premium on placement and renewal), premium finance commission from Premium Credit Limited for customers paying by instalments, and explicit arrangement/administration fees (£100 or up to 12% of insurer premium on new business and renewal; £50 midterm adjustments; £10 non-online MID updates; £85 cancellation plus commission retention). Pricing for the underlying policies is risk-based and varies by business type, vehicle count, driver age and experience, location, and claims history; quotes are not publicly disclosed and must be obtained via the portal or phone.

Name

Unicom Insurance Services

Legal name

One Sure Insurance Ltd

Website

http://www.unicominsurance.com/

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Unicom Insurance Services is a UK insurance broker, founded in 1992 and now a trading style of One Sure Insurance Ltd, that distributes motor trade road-risk, combined, liability, and modular add-on policies to UK traders, mechanics, garages, and dealers via a 30+ insurer panel.

Ownership category

akta.pro rank

Product category

Motor Trade Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA), Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

Keywords

• Motor trade insurance
• Insurance broker services
• Commercial vehicle insurance
• Combined motor trade coverage
• Trader liability insurance

Headquarters

HQ city

Broxbourne

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: Commission received from insurers, typically between 5% and 20% of the insurer's premium depending on the product and insurer. Commission is paid by the insurer from the premium the customer pays.
2. Premium Finance Commission: Commission received from premium finance providers (including Premium Credit Limited) for arranging credit agreements for customers paying by instalments. Commission forms part of the interest charged and is paid from finance repayments.
3. Arrangement and Administration Fees: Fees charged for policy arrangement (new business and renewals: £100 or up to 12% of insurer's premium), midterm adjustments (£50), MID updates not processed online (£10), policy cancellation (£85 plus commission retention), and various administrative charges.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Unicom Insurance Services is a UK motor trade insurance broker that arranges and administers specialized insurance policies for motor traders, mechanics, and vehicle dealers. It offers road risk cover, combined motor trade insurance, liability cover, breakdown, tools in transit, and trade plate insurance through a panel of 30+ insurers, distributing policies via direct phone sales, online quote portals, and email-based inside sales.

Product overview

Unicom Insurance Services operates as a motor trade insurance broker offering a portfolio of specialized insurance products. The core offering consists of Motor Trade Insurance and Motor Mechanics Insurance, which provide foundational coverage for motor traders. These are supplemented by Motor Trade Liability Insurance for employers', public, and product liability protection. The company offers modular add-on coverages including Traders Breakdown Insurance, Tools in Transit Insurance, and Trade Plate Insurance. The platform-level product is Combined Motor Trade Insurance, a bespoke all-in-one policy that integrates premises protection, road risk, liability, stock and equipment coverage, and business interruption for traders operating from their own premises. All products are underwritten through a panel of insurers and distributed via the company's website and customer portals.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Trade Insurance Specialist insurance policy for businesses operating in the motor trade industry, covering vehicle dealers, repairers, and service providers. Provides flexible coverage for both business-owned and customer vehicles with options ranging from basic third-party only to comprehensive protection.
• Motor Mechanics Insurance Specialist insurance for mechanics and garages covering road risk, liability, customer vehicles, tools, and workshop equipment. Designed for mobile mechanics, garage owners, and autobody shops.
• Motor Trade Liability Insurance Coverage protecting motor traders from claims by employees, customers, and the public. Includes employers' liability (legal requirement), public liability, and sales and service indemnity insurance.
• Combined Motor Trade Insurance Comprehensive all-in-one insurance policy for motor traders with premises. Combines premises protection, liability coverage, road risk, stock and equipment cover, business interruption, and theft/vandalism protection in a single bespoke policy.
• Traders Breakdown Insurance Breakdown cover add-on for motor trade insurance providing roadside assistance, vehicle recovery, and home start services. Covers traders driving multiple vehicles with options for 3.5T and 7.5T schemes.
• Tools in Transit Insurance Coverage protecting hand tools, power tools, and equipment while being transported in vans or company vehicles. Covers theft, loss, or accidental damage during transit, loading, unloading, and temporary storage.
• Trade Plate Insurance Insurance coverage for motor traders using DVLA-issued trade plates to legally drive untaxed and unregistered vehicles on public roads. Extends motor trade insurance policies to cover trade plate usage.

Quantifiable outcome

• Coverage activation typically within 24-46 hours for breakdown cover additions
• +1 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core, flagship and minor.

• Allianz Insurance PLCcoreTechnology or IntegrationInsurer partner providing Motor Trade Combined insurance products. One of 30+ insurers on Unicom's panel offering tailored motor trade coverage.
• Arch InsurancecoreTechnology or IntegrationInsurer partner providing Motor Trade Combined insurance. Part of the multi-insurer panel serving motor trade customers.
• Aviva InsurancecoreTechnology or IntegrationMajor UK insurer partner offering Motor Trade Combined policies through Unicom's broker platform.
• AXA InsurancecoreTechnology or IntegrationLeading insurer partner providing Motor Trade Combined coverage options through the broker panel.
• Covea Insurance PLCcoreTechnology or IntegrationInsurer partner providing Motor Trade and Motor Trade Combined insurance, plus Liability coverage.
• NIG (National Insurance and Guarantee)coreTechnology or IntegrationSpecialist insurer partner providing Motor Trade Combined policies through the broker network.
• Q Underwriting Services LtdcoreTechnology or IntegrationSpecialist underwriting agency providing Motor Trade, Motor Trade Combined, and Liability insurance.
• Tradex Insurance ServicescoreTechnology or IntegrationSpecialist motor trade insurer providing Road Risk and Combined Motor Trade coverage. Customers can update MID via Tradex portal.
• Clegg Gifford & Co. LtdcoreTechnology or IntegrationInsurer partner offering Motor Trade Road Risk and Combined coverage. MID updates processed via customer portal.
• One Sure Insurance LtdflagshipOthersParent company and FCA-authorized principal firm (FCA reference 447730, company number 05649077). Unicom Insurance Services operates as a trading style of One Sure Insurance. Acquired Unicom in 2022 to enhance resources and expand capabilities.
• Freedom Retail LtdminorOthersAppointed Representative of One Sure Insurance Ltd, operating as Freedom Brokers. Company number 16372250. Trades under regulatory umbrella of principal firm One Sure Insurance Ltd.
• Motor Insurance Bureau (MIB)coreOthersIndustry body that co-developed the Motor Insurance Database (MID) with the insurance industry to combat uninsured driving (£500 million annual cost to UK motorists) and enforce mandatory UK motor insurance requirements.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Tradex Insurance Services: Specialist motor trade insurer and direct competitor to Unicom, providing road risk and combined motor trade cover with MID portal access — overlapping directly in Unicom's core product set.
• Q Underwriting Services: Specialist underwriting agency that underwrites motor trade and motor trade combined business, directly competing with Unicom for the same broker-to-insurer relationships.
• Clegg Gifford & Co. Specialist UK broker offering motor trade road risk and combined insurance, operating in the same niche and serving overlapping motor trader customer segments.
• Adrian Flux: Specialty UK insurance broker known for non-standard and niche motor coverages, including motor trade products, directly comparable to Unicom's specialty brokerage model.
• Bennett Gould & Partners: Specialist UK motor trade insurance broker serving dealers, garages, and mechanics — competing head-to-head with Unicom in the same vertical with similar combined-policy offerings.

Others

• Staveley Head: Sibling trading style within the One Sure Insurance group, offering specialist motor and commercial insurance; not a direct competitor but a closely related brokerage brand under common ownership.
• MoverCover: Related trading brand under the One Sure Insurance group focused on vehicle-related insurance cover; while not a direct competitor, it operates in adjacent niche motor space and could represent a cross-sell or coordination opportunity.

Broad incumbents

• Howden Insurance Brokers (UK): Large UK commercial insurance broker with a motor trade practice; broader portfolio but overlapping capability in serving dealers, garages, and motor trade clients.
• A-Plan Insurance: Established UK high-street broker with commercial motor capabilities, including motor trade cover — a broader incumbent competing in the same customer segments.

Emerging players

• Compare the Market: UK price comparison aggregator that has increasingly moved into commercial and motor trade lines, channeling customers away from specialist brokers like Unicom and compressing brokerage economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/unicominsurance
• YouTubeyoutube.com/@unicominsurance
• Facebookfacebook.com/unicominsurance
• LinkedInlinkedin.com/company/unicom-insurance-services-ltd

Compliance2 records

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 Unicom Insurance Services