An Post Insurance
An Post Insurance is an Irish insurance intermediary and tied agent that distributes car, home, funeral, travel, pet, van, and commercial cover from a panel of underwriters to individual consumers in the Republic of Ireland via online, call centre, and Post Office counter channels.
- Company typePrivate
- Founded1999
- HeadquartersAthlone, Ireland
- Headcount51–100
- GTM typeB2C
- OfferingServices
What An Post Insurance does
An Post Insurance is an Ireland-based insurance intermediary and tied agent (legal entity: One Direct (Ireland) Limited) that distributes personal and small-commercial insurance products on behalf of a panel of underwriters including Aviva, Allianz, AIG, FBD, New Ireland, Chubb, Cover-More, and ARAG. The company is wholly owned by An Post, the Irish state-owned postal service, and operates a multi-channel distribution model spanning an online quote-and-bind engine (with separate intake URLs per product line), an in-house call centre in Athlone, and in-person service through the An Post Post Office counter network.
The product portfolio spans six core insurance verticals: car (including BoxClever telematics, electric vehicle, and women's car sub-products, plus keycare and motor legal protection add-ons), home (buildings, contents, landlord, tenant, first-time buyer, and holiday home variants, plus family legal protection), funeral/life (underwritten by New Ireland with guaranteed-premium features), travel (single-trip and annual multi-trip, underwritten by Chubb), pet (Essential, Premier, and Premier Plus tiers, administered by Cover-More/Blue Insurance), plus commercial and van lines. BoxClever, a black-box telematics sub-brand underwritten by AIG Europe S.A., is the company's most differentiated proprietary technology feature, targeting young and first-time drivers in Ireland through behaviour-based pricing.
The company makes money primarily via commission income from its insurer panel (car up to 14% with Aviva, home 24-26.4%, funeral up to 90% first-year, travel 25%, pet 15% new business/13% renewal, commercial up to 25%, van 10%), supplemented by profit-share arrangements tied to claims loss ratios and a layer of policy administration fees (set-up, mid-term adjustment, renewal, cancellation, suspension, duplicate documents, instalment agreement). Its target customers are Republic of Ireland residents across five primary segments: individual car owners (with a young-driver sub-segment), homeowners and renters, adults aged 50-75 seeking funeral cover, Irish travellers, and pet owners. The company is regulated by the Central Bank of Ireland, holds Cyber Essentials certification, and operates with a headcount of 51-100 employees.
An Post Insurance firmographics
Firmographics- Name
- An Post Insurance
- Legal name
- One Direct (Ireland) Limited
- Website
- https://anpostinsurance.ie
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- An Post Insurance is an Irish insurance intermediary and tied agent that distributes car, home, funeral, travel, pet, van, and commercial cover from a panel of underwriters to individual consumers in the Republic of Ireland via online, call centre, and Post Office counter channels.
- Ownership category
- akta.pro rank
An Post Insurance industry classification
Industry- Product category
- Personal Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)
- akta.pro primary industry
- Homeowners Insurance (FSAJACAA)
- akta.pro secondary industries
- Pet Insurance (FSAJAKAG), Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)
Keywords
Where An Post Insurance is headquartered
LocationHeadquarters
- HQ city
- Athlone
- HQ country
- Ireland
- HQ region
- Europe
Offices2 records
Markets served
An Post Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Intermediary Commissions: An Post Insurance acts as an intermediary and earns commission payments from insurance product providers based on a percentage of the gross written premium. Commission rates vary by product: Car insurance up to 14% (Aviva), up to 10% (AIG for BoxClever); Home insurance 24-26.4% of gross written premium; Life/Funeral insurance up to 90% total commission (72% year 1, 18% year 2) plus 4% annual renewal; Travel insurance 25% (Chubb); Pet insurance 15% new business, 13% renewal; Commercial insurance up to 25%; Van insurance 10%.
- Policy Administration Fees: Fees charged for various policy services including policy set up fees, mid-term adjustment fees, policy renewal fees, cancellation fees, policy suspension fees, duplicate policy document fees, and premium payment plan agreement fees.
- Profit Share Arrangements: Additional commission earned through profit-share or profit commission arrangements with insurance product providers when claims loss ratios meet specified criteria. For example, 1% profit commission on car insurance gross written premium and 2% combined profit commission on car and home insurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Car Insurance - new business discount |
| Subscription | Annual | Home Insurance - new customer discount |
| Subscription | Monthly | Funeral Insurance - minimum premium |
| Subscription | Annual | Pet Insurance - online booking fee |
| Subscription | Monthly | Home Insurance - monthly instalment service charge |
| Subscription | Annual | Travel Insurance - excess |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
An Post Insurance product offering
Product offeringCore offering
An Post Insurance operates as an insurance intermediary that compares quotes from a panel of trusted insurance providers and sells personal insurance products directly to Irish consumers. Its portfolio includes car, home, funeral (life), travel, pet, van, and commercial insurance, distributed through online quote engines, a telephone call centre, and Post Office counters across the Republic of Ireland.
Product overview
An Post Insurance is an insurance intermediary operating as a price comparison platform that aggregates quotes from a panel of trusted insurance providers. The product portfolio consists of six core insurance lines: Car Insurance (including specialized telematics-based BoxClever coverage for young drivers, electric vehicle insurance, and various add-ons like keycare and breakdown assistance), Home Insurance (with buildings, contents, landlord, and tenant variants plus optional family legal protection), Funeral Insurance (life assurance for funeral costs), Travel Insurance (single-trip and annual multi-trip options), Pet Insurance (three tiered levels from Essential accident-only to Premier Plus lifetime coverage), Van Insurance, and Commercial Insurance. The company functions as an intermediary, obtaining quotes from underwriters including Aviva, Allianz, AIG, FBD, New Ireland, Chubb, Cover-More, and ARAG, then presenting the best available quote to customers.
Differentiator
Problem solved
Functional benefit
Brands
- BoxClever: Telematics car insurance product for young and first-time drivers, rewarding safe driving behavior through black box technology.
Products and services
- Car Insurance Motor vehicle insurance offering comprehensive and third-party cover options for individual car owners in the Republic of Ireland, with optional add-ons including breakdown assistance, keycare, and motor legal protection.
- BoxClever Telematics Car Insurance Standalone telematics-based car insurance product for new, young, and first-time drivers that monitors driving patterns via black box technology and rewards safer driving with more competitive premiums.
- Home Insurance Insurance covering buildings and/or contents of residential properties in Ireland, including options for owners, tenants, first-time buyers, and holiday home owners, with optional family legal protection and home emergency assistance add-ons.
- Landlord's Insurance Insurance product tailored for property owners renting out residential properties, covering buildings, contents, and landlord-specific risks such as loss of rent and liability.
- Contents Insurance Standalone contents insurance covering personal belongings inside the home, available to tenants, landlords, and homeowners as a separate purchase from buildings cover.
- Funeral Insurance Life insurance product providing a lump sum benefit to beneficiaries upon the policyholder's death to help cover funeral costs, available to residents of the Republic of Ireland aged 50-75 with no medical questions required and premiums guaranteed not to change.
- Travel Insurance Travel insurance for Republic of Ireland residents covering single trips or annual multi-trip plans, providing protection for trip cancellation, medical emergencies abroad, lost luggage, flight delays, and related travel incidents including COVID-19 provisions.
- Multi Trip Travel Insurance Annual travel insurance policy covering multiple trips throughout the year for Republic of Ireland residents, with individual trips of up to 30 days and a maximum of 90 days total annual travel covered, including a Winter Sports extension option.
- Pet Insurance Insurance for cats and dogs offering multiple coverage levels ranging from accident-only to lifetime illness and injury cover, with new business available for pets aged 8 weeks to 8 years and lifetime cover available on renewal.
- Van Insurance Commercial vehicle insurance covering vans for business owners and sole traders in the Republic of Ireland, offered as part of An Post Insurance's commercial product line.
- Commercial Insurance Business insurance products covering commercial risks for small business owners, sole traders, and enterprises in the Republic of Ireland.
Quantifiable outcome
- Up to €60 discount available on car insurance (new business)
- +4 more outcomes
Companies that use An Post Insurance
Customer profileSegments5 records
Ideal customer profiles2 records
An Post Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
An Post Insurance partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered minor and core.
- Aer LingusminorVoucher prize provider for travel insurance promotion. Winner receives €1,000 Aer Lingus voucher for new Annual Multi Trip Travel Insurance customers (May-August 2026).
- Gowan Auto (Gowan Motor Distribution Limited)minorFiat vehicle supplier for car insurance promotions. Provided Fiat 500 Electric Vehicle as prize for new car insurance customers (March 2025 to December 2025 promotion).
- Aviva Insurance Ireland DACcorePrimary car insurance and home insurance provider on An Post Insurance panel. Aviva provides motor insurance up to 14% commission and home insurance up to 26.4% commission. Also provides commercial insurance (up to 25% commission).
- Allianz plccoreHome insurance and car insurance provider on An Post Insurance panel. Provides home insurance and motor insurance products. Home insurance commission 25% of gross written premium.
- AIG Europe S.A.coreProvider of BoxClever telematics car insurance for An Post Insurance. Commission up to 10% of gross written premium for BoxClever telematics product.
- FBD Insurance plcminorCar insurance provider on An Post Insurance panel. May receive profit commission of up to 10% of gross written premium if claims loss ratio meets criteria.
- New Ireland Assurance Company PlccoreUnderwriter of An Post Insurance Funeral Insurance (life assurance) products. An Post Insurance is a tied agent of New Ireland. Total maximum commission 90% (72% year 1, 18% year 2) plus 4% annual renewal commission years 2-5.
- Chubb European Group SEcoreTravel insurance underwriter for An Post Insurance. Commission 25% of gross written premium. Products include single trip and annual multi-trip travel insurance.
- Cover-More Blue Insurance Services LimitedcorePet insurance administrator and provider for An Post Insurance. Commission 15% for new business policies and 13% for renewal policies of gross written premium. Insurance underwritten by Sava Insurance.
- ARAG Legal Protection LimitedminorProvides Family Legal Protection and Motor Legal Protection insurance as add-on products. Commission €12.55 per family legal protection policy and €12.85 per motor legal protection policy.
- Keycare Assistance LimitedminorProvides keycare insurance product. Commission €11.75 per policy for both new business and renewal. Underwritten by MAPFRE ASISTENCIA trading as MAWDY.
- Action24 (Action Alarm Control 24 Limited)minorHome alarm system provider in promotional partnership. An Post Insurance home insurance customers can avail of Action24 alarm system offer including 7 sensors free and 50% off additional sensors, with 36-month monitoring contract.
- Circle KminorFuel retailer partnership for car wash promotions. An Post Insurance car insurance customers who receive quotes or purchase policies can receive complimentary car wash vouchers at participating Circle K locations.
- Penney's (Primark)minorGift card prize provider for social media competition. Competition offering €125 Penney's Gift Cards across Facebook and Instagram.
- Red MillsminorPet food supplier for promotional partnership. Pet insurance customers can receive complimentary 2kg bag of Red Mills dog or cat food plus money-off vouchers upon policy purchase or renewal.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
An Post Insurance competitors and assessment
Company assessmentBroad incumbents
- Aviva Insurance Ireland: One of Ireland's largest direct insurance carriers and primary panel underwriter for An Post Insurance. Competitor at the underwriting layer and broader market incumbent with overlapping car, home, and commercial product lines.
- Zurich Insurance Ireland: Major global insurer with Irish operations offering life and general insurance products. Competes with An Post Insurance across life and P&C lines as a broad incumbent with established distribution in Ireland.
- Allianz Ireland: Irish arm of global insurer offering home, car, and commercial insurance direct and via intermediaries. Panel partner for An Post Insurance (home and car) and direct competitor in the Irish personal lines market.
- FBD Insurance: Irish direct insurer (formerly farmer-focused, now multi-line) offering car, home, farm, and commercial insurance. Panel partner of An Post Insurance and direct competitor in the Irish personal lines market.
Direct peers
- 123.ie: Irish multi-line insurance provider (RSA-owned) offering car, home, travel, pet, and van insurance direct to consumers online. Directly competes with An Post Insurance across most product lines and geographies in Ireland.
- Bonkers.ie: Irish price comparison platform for insurance and financial products, allowing consumers to compare quotes across multiple insurers. Direct competitor in the intermediary/aggregation layer serving the same Irish consumer market.
- Budget Insurance: Irish insurance intermediary specializing in competitively priced car, home, and van insurance via direct-to-consumer channels. Comparable Irish intermediary model targeting price-sensitive consumers across overlapping product lines.
- Chill Insurance: Irish insurance intermediary offering multi-line personal insurance (home, car, travel, pet, life) via online and phone channels with a panel of major underwriters. Closely comparable business model, geography, and product mix to An Post Insurance.
- AA Insurance Ireland: Irish motor and home insurance provider with multi-channel distribution, leveraging the AA breakdown membership base. Comparable product breadth in car and home insurance and overlapping Irish consumer target market.
- Bank of Ireland Insurance: Bank-affiliated insurance provider offering home, car, travel, and life insurance to Irish consumers leveraging banking customer base. Comparable multi-line personal insurance intermediary model in Ireland.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
An Post Insurance social profiles
Digital presenceAn Post Insurance compliance and trust
Trust signalCompliance2 records
An Post Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
An Post Insurance leadership team
Management profileNumber of profiles
An Post Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
An Post Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about An Post Insurance
What does An Post Insurance do?
An Post Insurance operates as an insurance intermediary that compares quotes from a panel of trusted insurance providers and sells personal insurance products directly to Irish consumers. Its portfolio includes car, home, funeral (life), travel, pet, van, and commercial insurance, distributed through online quote engines, a telephone call centre, and Post Office counters across the Republic of Ireland.
Is An Post Insurance a public or private company?
An Post Insurance is a private company. It is classified as state government owned and is currently operating.
When was An Post Insurance founded?
An Post Insurance was founded in 1999. It employs 51 to 100 people.
Where is An Post Insurance based?
An Post Insurance is headquartered in Athlone, Ireland, in the Europe region.
How does An Post Insurance make money?
Three revenue lines are on record. Insurance Intermediary Commissions are the primary driver. The others are policy Administration Fees and profit Share Arrangements.
Who are An Post Insurance's main competitors?
Broad incumbents on record are Aviva Insurance Ireland, Zurich Insurance Ireland, Allianz Ireland and FBD Insurance. Direct peers are 123.ie, Bonkers.ie, Budget Insurance, Chill Insurance, AA Insurance Ireland and Bank of Ireland Insurance.
Does An Post Insurance have an API?
No public API is recorded for An Post Insurance.
What industry is An Post Insurance in?
An Post Insurance's product category is Personal Insurance. Its primary akta.pro industry code is FSAJACAA, Homeowners Insurance, with a secondary code of FSAJAKAG, Pet Insurance. Its NAICS code is 5242 and its SIC code is 6411.