An editorial census of FCA-authorised UK insurance brokers, indexed by region and cross-checked against BIBA membership where applicable.
What this directory covers
- 639 firms verified against the FCA & British Insurance Brokers Association at compilation.
- Indexed across 58 UK regions.
- No commission, no referrals, no recommendations. Listings are editorial, not advisory.
- Featured Partner positions are clearly labelled paid placements; the directory is independent.
The UK insurance market in 2026
UK insurance brokers operate under FCA authorisation for general insurance distribution. Most also hold membership of the British Insurance Brokers’ Association (BIBA), the recognised trade body that maintains professional standards above the FCA regulatory floor. The directory below indexes FCA-authorised firms with BIBA membership noted where present.
For commercial buyers and high-value personal lines, brokers earn their margin by accessing markets that direct insurers do not serve, Lloyd’s syndicates, MGAs with specialist appetites, and bespoke wordings. For standard motor and household, direct or comparison-site routes typically beat broker pricing on commodity risks.
Where the UK’s 639 insurance brokers are based
The Kaeltripton index covers 58 UK regions with two or more verified firms. Distribution skews heavily to London and the major regional financial centres; the table below shows the top ten markets by firm count.
Major markets
Other regional centres
+ Show 43 smaller regions (185 firms)
Editorial-style sponsored piece slot
This 250-word editorial-style sponsored insight slot is available to one approved partner per category. All content is editorial in style, clearly labelled, and subject to Kaeltripton’s editorial standards. To enquire: advertise with us.
Enquire about this slot →How this directory was built
Compiled from public records
Every firm was identified from the FCA & British Insurance Brokers Association and Companies House. No paid listings.
Register cross-checked
Each firm’s authorisation and permissions verified against the relevant public register at compilation.
Editorial firewall
No commission, no referrals, no lead routing. Featured Partner positions are clearly labelled.
When a broker adds value
Brokers earn fees on complex commercial covers (cyber, professional indemnity, marine, aviation, environmental, D&O liability), high-value personal lines (specialist motor, fine art, expat health), and corporate programmes with multi-jurisdictional risk. For standard SME and household lines, the broker margin often does not exceed comparison-site savings.
How brokers get paid
UK insurance brokers are paid via commission (a percentage of the premium, typically 10 to 30 per cent for commercial lines), broker fees (a flat advisory charge), or both. Commission must be disclosed on request; for retail customers it is increasingly disclosed by default under FCA rules. Pure fee-only commercial broking remains rare but is growing.
Independent UK insurance analysis, monthly.
Independent UK insurance market analysis, monthly. Wholesale market movements, regulatory updates, Lloyd’s capacity changes, and editorial commentary. Free, no broker referrals.
Subscribe via the Kaeltripton newsletter — free, no broker referrals.