What everywhen does

Everywhen is a UK specialist insurance broker operating as a trading name of Advisory Insurance Brokers Limited and Health and Protection Solutions Limited, both FCA-authorised and wholly owned by the Ardonagh Group. Formerly known as Towergate before a 2024 rebrand, the company distributes personal lines (caravan, equine, boat via Navigators & General, motor, home, landlord, holiday, military, private client) and commercial lines (commercial property, commercial vehicle including truck/HGV, public liability, professional indemnity, care and medical) alongside employee benefits, risk management, and dark web monitoring services. The product surface spans 55+ specialist schemes, drawing on the broader Ardonagh family of 35+ brands.

The broker runs a multi-channel distribution model: a UK-wide relationship broker network (the company references 2,000+ experts), dedicated inside-sales phone lines per product, self-service online quote flows, and an affinity/partnership channel serving trade associations, clubs, franchise networks, and bancassurance partners. Specialist capabilities such as boat insurance are routed to in-family brand Navigators & General, while car hire excess cover is delivered via an introducing partnership with Insurance4carhire. Risk management services, including Protect Duty (Martyn's Law) compliance, are delivered in conjunction with Ardonagh sister firm Stallard Kane.

The commercial model is commission-based brokerage on placed premium, with quote-based pricing tailored to risk profile, annual billing, and optional direct-debit monthly instalments via Premium Credit Limited. The customer base exceeds 500,000 and spans individuals, families, SMEs, tradespersons, professionals, and affinity groups, distributed across registered offices in London and Southampton and operational hubs in Colchester and Cheltenham. No proprietary technology stack, AI capabilities, or public financial disclosures are evident in the source material.

Name

everywhen

Legal name

Everywhen (trading name of Advisory Insurance Brokers Limited and Health and Protection Solutions Limited)

Website

https://everywhen.co.uk

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Everywhen is a UK specialist insurance broker offering personal and business insurance across 55+ schemes, serving 500,000+ customers via a 2,000-strong broker network, phone sales, and online quotes under Ardonagh Group.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

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: Everywhen acts as an insurance broker, earning commissions from insurers for placing business. The company is a trading name of Advisory Insurance Brokers Limited and Health and Protection Solutions Limited, both authorised and regulated by the FCA.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Everywhen is a UK specialist insurance broker that distributes personal and commercial insurance products through a network of local advisers and online channels. The company places business on behalf of customers with insurers, earning brokerage commissions, and serves over 500,000 customers across 55+ schemes including caravan, equine, home, motor, boat, holiday, military, commercial property, commercial vehicle, professional indemnity, public liability and care insurance.

Product overview

Everywhen is a specialist insurance broker offering personal and business insurance products through multiple channels. The company operates a platform-plus-products model with a unified service layer combining regional care with national reach across 55+ specialist schemes. Personal insurance products include Caravan Insurance (touring, static, trailer tents, park homes, holiday lodges, mobile homes, campervans, motorhomes), Home and Property Insurance, Landlords Insurance, Boat Insurance (via Navigators & General), Equine Insurance (horses, horseboxes, trailers), Holiday Insurance, Motor Insurance, Military Insurance, and Private Client Insurance. Business insurance includes Commercial Property Insurance, Commercial Vehicle Insurance (including Truck and HGV), Public Liability Insurance, Professional Indemnity Insurance, Care and Medical Insurance, and Risk Services (Risk Management, Employee Benefits, Dark Web Monitoring). Additional services include Car Hire Excess Insurance offered through partner insurance4carhire. The company was formerly known as Towergate and is now part of the Ardonagh Group.

Differentiator

Problem solved

Functional benefit

Brands

• Navigators & General: Boat insurance specialists with over 100 years' experience in pleasurecraft insurance, part of the everywhen family
• Property Risk Solutions
• CCV Risk Solutions
• Camerasure

Quantifiable outcome

• Trusted by over 500,000 customers with 'Excellent' Feefo rating

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and supporting.

• Navigators & GeneralcoreChannel Partner/ Reseller/ DistributorNavigators & General is part of the Everywhen family with over 100 years of experience in pleasurecraft insurance. They handle boat insurance including yachts, motor boats, dinghies, RIBs and narrowboats. Everywhen refers boat insurance customers to Navigators & General for specialist marine coverage.
• Stallard KanesupportingImplementation/ SI/ Consulting PartnerStallard Kane is a specialist Risk Management company within the Ardonagh Group that supports Everywhen clients with Protect Duty (Martyn's Law) compliance. They review current preparedness and help plan for full compliance with the Terrorism (Protection of Premises) Act 2025.
• Insurance4carhiresupportingTechnology or IntegrationInsurance4carhire provides car hire excess insurance policies. Everywhen acts as an introducer for Insurance4carhire, offering standalone car hire excess insurance to customers. The policy is administered by Insurance4carhire (trading name of Atlanta Insurance Intermediaries Limited, FCA authorised).

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Howden Group: Howden is a UK-headquartered international insurance broker with a comparable model combining local broker relationships, specialist practices, and group-level scale. Operates across personal, commercial, and specialty lines similar to Everywhen's product breadth.
• Aston Lark: Aston Lark is a UK specialist insurance broker serving commercial and high-net-worth personal clients through regional offices and specialist divisions, now part of PIB Group. Closely comparable niche/specialist broker business model.
• Jensten Group: Jensten is a UK insurance broker group built through acquisition of specialist broker brands, comparable to Everywhen's Ardonagh-driven roll-up. Serves similar commercial and personal line customers with multi-brand distribution.
• PIB Group: PIB Group is a UK-focused insurance intermediary operating multiple specialist broker brands with a similar platform-plus-specialist approach. Most directly comparable UK peer in terms of multi-brand specialist distribution and Ardonagh-like consolidation strategy.

Broad incumbents

• Marsh (UK): Marsh Ltd is the UK arm of global broker Marsh McLennan, with substantial presence across commercial, personal, and specialty insurance. Overlaps with Everywhen in commercial broking but serves larger enterprise clients and has global scale.
• Aon (UK): Aon UK is the UK operation of global insurance and reinsurance broker Aon plc. Competes in commercial risk, employee benefits, and specialist lines but with much larger enterprise focus and global capabilities Everywhen does not match.
• Direct Line Group: Direct Line Group is a major UK personal lines insurer (Direct Line, Churchill, Privilege) operating direct-to-consumer models. Represents the structural broker-disintermediation threat in motor and home lines where Everywhen also operates.
• Aviva UK: Aviva is a leading UK insurance group offering life, health, general insurance, and wealth products directly and via brokers. Overlaps with Everywhen's Health and Protection Solutions entity and competes in commercial lines via broker distribution.
• Arthur J. Gallagher (UK): Gallagher is a global insurance broker with significant UK operations across commercial and personal lines. Competes with Everywhen in mid-market and specialist segments but operates at much larger scale with broader geographic reach.

Others

• Allianz Insurance UK: Allianz Insurance UK is a major insurer partner to UK brokers including Everywhen, offering commercial and personal lines through intermediary channels. Comparable as a key supply-side counterparty in the broker value chain rather than as a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@EverywhenUK
• Facebookfacebook.com/EverywhenInsurance
• LinkedInlinkedin.com/company/everywhenuk

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 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 everywhen