AB&C Insurance

What AB&C Insurance does

AB&C Insurance (legal name: Alan Brown and Co (NI) Ltd) is a Northern Ireland-based independent insurance intermediary founded in 1972 by Alan Brown and now operating as a third-generation, family-run private business. The company distributes personal and commercial general insurance products through a network of five physical branch offices located in Lurgan, Belfast, Lisburn, Banbridge, and Dungannon. Its product portfolio spans ten core lines: Car, Young Driver (Lollybox telematics), Motorcycle, Van, Home & Contents, Self Build, Travel, Landlord, Tradesman, Farm, and general Commercial insurance, supplemented by add-on coverages such as Legal Protection, Breakdown Cover, Keycare, GAP Insurance, and Goods in Transit. The company is FCA-authorized (register 595863) and FSCS-covered.

The business model is that of a traditional broker/intermediary rather than an insurer or technology company. AB&C earns revenue primarily through commissions paid by insurers and product providers from insurance premiums, supplemented by premium finance commissions from Close Brothers Premium Finance and per-policy service charges (£40 new business / £40 renewals / £30 mid-term amendments / £50 cancellations for personal lines; 5% of premium capped at £1,000 for commercial). Distribution is sales-led, with personal recommendations delivered by branch-based advisors who compare a panel of leading insurers; the Lollybox telematics product and Tripinsurer.com travel portal represent limited digital-channel overlays. As a member of Provincewide Ltd (a network of 10 independent Northern Ireland intermediaries) and minority shareholder in Provincewide Claims Ltd and Hexagon Underwriting, AB&C operates within a small vertical ecosystem that provides collective negotiating leverage and partial vertical integration into claims and underwriting services.

Name

AB&C Insurance

Legal name

Alan Brown and Co (NI) Ltd

Website

https://abcni.co.uk

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

11–50 employees

Short description

AB&C Insurance is a Northern Ireland-based, third-generation family-run independent insurance intermediary distributing personal and commercial general insurance products through five branch offices, operating as an FCA-authorized broker within the Provincewide Ltd network.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Umbrella Insurance (FSAJAMAK)

akta.pro secondary industries

Gap Insurance (Auto Loan/Lease) (FSAJAAAK), Professional Liability (Errors & Omissions) (FSAJADAB)

Keywords

• Independent insurance broker
• Personal lines insurance
• Commercial insurance intermediary
• Northern Ireland insurance
• Telematics young driver insurance

Headquarters

HQ city

Lurgan

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: AB&C Insurance receives commission from insurers, product providers, and where applicable finance providers. Commission is paid by the insurer or product provider from the insurance premium. The company provides personal recommendations and selects personal and commercial insurances from a panel of insurers.
2. Premium Finance Commission: Commission received from premium finance providers (such as Close Brothers Premium Finance) for arranging insurance instalment facilities. This commission is paid from the finance repayment.
3. Service Charges: Personal Service Charges: New business £40, Mid-term amendments £30, Renewals £40, Cancellations £50. Commercial Service Charges: 5% of Premium including IPT/VAT (minimum £40, maximum £1000). No additional fees unless agreed in advance.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

AB&C Insurance is an independent insurance intermediary that arranges personal and commercial general insurance policies on behalf of customers by selecting cover from a panel of leading insurers. Services are delivered through five physical branch offices across Northern Ireland by knowledgeable local advisors who provide tailored recommendations, with commission earned from insurers and product providers plus administrative service charges. The portfolio spans car, young driver (Lollybox telematics), motorcycle, van, home & contents, self-build, travel, landlord, tradesman, farm, and broader commercial insurance.

Product overview

AB&C Insurance is an independent insurance intermediary offering a unified portfolio of personal and commercial insurance products through a network of five local branches across Northern Ireland. The core offering consists of personal lines (Car, Motorcycle, Van, Home & Contents, Self Build, and Travel insurance) and commercial lines (Landlord, Tradesman, Farm, and General Commercial insurance). Products are primarily delivered through human advisors who provide tailored recommendations based on a fair analysis of the market. The company also operates Lollybox, a telematics-based young driver insurance product, and distributes travel insurance through its Tripinsurer.com online portal. Add-on coverages (Legal Protection, Breakdown Cover, Keycare, GAP Insurance, Goods in Transit Cover) are available to enhance base policies. The company acts as an intermediary, not an insurer, working with a panel of leading insurers to match customer needs with appropriate coverage.

Differentiator

Problem solved

Functional benefit

Brands

• Lollybox: A telematics-based young driver insurance product with onboard dashboard tracker monitoring speed and driving habits to help lower insurance costs.

Products and services

• Car Insurance Motor insurance policy for personal vehicles offering tailored advisor-led advice, claims support, and add-ons including Legal Protection, Breakdown Cover, Keycare, and GAP Insurance, arranged from a panel of leading insurers for individual motorists in Northern Ireland.
• Lollybox Young Driver Insurance Telematics-based insurance policy for young drivers using an onboard dashboard tracker that monitors speed, driving habits and other factors to lower premiums for safe driving behaviour.
• Motorcycle Insurance Tailored motorbike insurance covering sportbikes, touring bikes and classic cruisers, with flexible options and a Multibike Policy option for individual riders.
• Van Insurance Comprehensive van insurance for business or personal use, with optional add-ons including breakdown cover, tools insurance, and goods-in-transit cover, targeted at sole traders, fleet owners and individuals.
• Home & Contents Insurance Comprehensive home insurance covering damage from fire, flooding, storms, theft, vandalism and accidental damage, with flexible add-ons such as Family Legal Protection and Key Care for homeowners and renters.
• Self Build Insurance Long-term policy combining covers needed during home construction, including Public and Employers Liability, Own and Hired-in Plant, with a typical 12–18 month coverage period for self-build projects.
• Travel Insurance Travel insurance offered through the Tripinsurer.com portal in partnership with David Oliver Associates and underwritten by AXA Insurance UK plc, covering medical emergencies, cancellations, lost baggage and delays with single-trip, annual multi-trip, or extended stay options.
• Landlord Insurance Specialist insurance for landlords covering rented properties against damage, third-party and tenant liability, rental income loss, and providing Employers Liability for tradesmen working on the property.
• Tradesman Insurance Commercial insurance for self-employed tradespeople covering Employers Liability, Personal Accident, Tools Cover and other business-specific risks.
• Farm Insurance Farm Combined Insurance covering Farm Motor (tractors, specialist vehicles, quads, 4x4s), Implements, Farm Outbuildings, Machinery & Plant, Livestock & Produce, Public & Employers Liability, and Environmental (Pollution) Cover for smallholders, part-time farmers, agri-business owners and agricultural contractors.
• Commercial Insurance Business insurance arranged from a wide panel of commercial insurers for manufacturing businesses, self-employed tradesmen, shopkeepers and professionals.

Segments10 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and supporting.

• Provincewide LtdcoreStrategic or Co-development PartnerAB&C Insurance is a member of Provincewide Ltd, a network of 10 independent insurance intermediaries. This membership provides collective strength to negotiate the best deals with leading Northern Ireland insurers while maintaining independence and personal service.
• Provincewide Claims LtdsupportingOthersAB&C Insurance has a minority share in Provincewide Claims Ltd, which is used to provide claims management services to clients. Appropriate controls are in place to ensure no customer interests are compromised.
• Hexagon UnderwritingsupportingOthersAB&C Insurance has a minority share in Hexagon Underwriting, which is used to provide services to clients. Appropriate controls are in place to ensure no customer interests are compromised.
• Tripinsurer.com / David Oliver Associates / AXA Insurance UK plccoreChannel Partner/ Reseller/ DistributorTripinsurer.com is a dedicated travel insurance website in partnership with travel insurance specialists David Oliver Associates and underwritten by AXA Insurance UK plc. AB&C Insurance offers comprehensive travel insurance products through this portal.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• GoCompare: UK price-comparison website offering motor, home, and travel insurance. A direct competitor for personal-line customers who would otherwise approach a broker like AB&C, representing the digital alternative to AB&C's high-touch model.
• Compare the Market: UK price-comparison platform distributing personal lines (motor, home, travel) directly to consumers. Competes with AB&C for the same end customers via a digital-first, low-touch model that contrasts with AB&C's branch-based advisory approach.

Regional players

• FBD Insurance: Irish general insurer and intermediary serving farmers, businesses, and consumers across the Republic of Ireland. Comparable to AB&C in product breadth (farm, commercial, motor, home) but with a different geographic footprint and a hybrid carrier-broker model.
• Arachas Insurance (formerly Arachas Corporate Brokers): One of Ireland's largest independent insurance broker groups, offering commercial and personal lines. Comparable as an independent intermediary with multi-product, multi-branch distribution, though operating across Ireland rather than NI.

Broad incumbents

• Howden Insurance Brokers: Major UK and international insurance broker with strong regional presence across personal and commercial lines. Comparable intermediary business model but at significantly larger scale and broader geographic reach than AB&C.
• Admiral Group: Large UK direct and aggregator-focused insurer (also owns elephant.co.uk and others). Competes for AB&C's motor and home customers via lower-cost direct channels; relevant as the structural benchmark for commission compression risk.
• Direct Line Group: Major UK personal-lines insurer operating direct brands (Direct Line, Churchill, Privilege) and broker-distributed brands (e.g., NIG). Competes with AB&C's intermediary model via direct channels and is a counterparty for many of AB&C's commercial placements.
• Towergate Insurance (Ardonagh Group): Large UK insurance intermediary operating across personal and commercial lines via regional offices and specialist divisions. Comparable in product scope and broker intermediation role, but at materially greater scale and as part of a larger group.

Direct peers

• Autoline Insurance Group: Large NI-based insurance intermediary with branch network across Northern Ireland and a broad personal/commercial product range. Directly comparable to AB&C as a regional multi-branch broker, though materially larger in scale.
• Hughes Insurance: Northern Ireland-based independent insurance intermediary offering personal and commercial lines through local branches. The closest direct peer to AB&C in geography, product mix (motor, home, commercial), and independent-broker model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/insureni
• LinkedInlinkedin.com/company/alan-brown-and-company

Compliance3 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 AB&C Insurance