About Niche Cover Limited

Founded in 2020 by industry experts to create a trusted distribution platform for motor trade insurance.

Our Story

Niche Cover Limited was founded in 2020 by the owners of three specialist motor trade brokers who recognized the need for a trusted, technology-driven distribution platform in the motor trade insurance market.

Drawing on decades of combined experience in motor trade insurance, our founders created Niche Cover to bridge the gap between quality brokers and insurers, providing a compliant, transparent, and efficient distribution channel.

In 2024, we significantly strengthened our position through the acquisition of CoSaint, a respected motor trade combined wholesaler. This strategic purchase expanded our product offerings, brought in a wealth of experienced industry professionals, and cemented our ability to deliver a broader, more competitive range of motor trade insurance solutions.

Today, we continue to focus on building long-term relationships based on trust, technology, and mutual success, always putting compliance and transparency at the heart of everything we do.

Company Leadership

Leadership Team

Our experienced leadership team brings decades of motor trade insurance expertise to guide our strategic direction.

Kevin Ware

Kevin Ware

Managing Director

Kevin brings extensive underwriting experience and leads our strategic vision, providing crucial risk management oversight and protection for our insurer partners through proven underwriting expertise.

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Chris Phillips

Chris Phillips

Commercial Director

Chris leads our commercial strategy and broker relationships, bringing deep expertise in motor trade insurance distribution and partnership development.

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Our Core Values

These values guide everything we do and shape how we work with our partners and clients.

Expertise

Deep knowledge of motor trade insurance built through years of industry experience

Integrity

Honest, transparent dealings with all partners and stakeholders

Technology

Cutting-edge systems and processes to deliver efficient, reliable service

Partnership

Long-term collaborative relationships focused on mutual success

Security

Robust security measures protecting all data and transactions

Our Mission

To provide the motor trade insurance market with a trusted, compliant, and technology-driven distribution platform that delivers exceptional value to both brokers and insurers through transparent, efficient, and secure operations.

Our Vision

To be the leading motor trade insurance distribution platform in the UK, recognized for our expertise, integrity, and innovation in connecting quality brokers with capacity providers through cutting-edge technology and unwavering compliance standards.

Our Journey

2020

Company Founded

Niche Cover Limited established by experienced motor trade insurance professionals

2021

Platform Launch

Proprietary technology platform launched with initial broker and insurer partnerships

2022

Network Expansion

Significant growth in broker network and introduction of advanced fraud detection systems

2023

Continued Innovation

Ongoing technology enhancements and expansion of our trusted distribution network

2024

Acquisition of CoSaint

Purchase of the business and assets of CoSaint, a specialist motor trade combined wholesaler, significantly expanding our product offerings and bringing in a team of highly experienced industry professionals

2025

Additional Capacity Added

Expanded our insurer panel with additional capacity, strengthening our ability to deliver competitive motor trade insurance solutions across the broker network

Join Our Network

Become part of our trusted network of brokers and insurers. Let's build better distribution together.

Niche Cover Limited

Independent UK motor trade insurance specialist offering Road Risk and Combined products through wholesale distribution and MGA capacity, underpinned by technology, compliance, and trusted partnerships.

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© 2026 Niche Cover Limited. All rights reserved.

Company Registration Number: 12611667

Niche Cover Limited is authorised and regulated by the Financial Conduct Authority (FCA). FCA Registration Number: 1018685.

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Compliant with UK GDPR, PECR, and ICO guidance. Niche Cover Limited — FCA Reg. No. 1018685. Company No. 12611667.