As an independent insurance broker, UK & Ireland Insurance Services (Online) Limited strives to provide comprehensive cover for our customers throughout their life journey.


Despite our name, we regret to inform you that we are no longer able to offer insurance cover in Ireland following the UK's withdrawal from the European Union.


Nonetheless, we are constantly reviewing and expanding our range of insurance products to cater to our customers' evolving needs.



UK Customers

Irish Customers


In order to stay relevant in this changing market we, at UK & Ireland Insurance Services (Online) Limited, believe that we need to be advocates of technological improvements to help improve the distribution of insurance, enhance the customer journey and use of the products, whilst all the time generating efficiencies and reducing waste which in turn helps us provide competitively priced products for our customers, backed up by a real personal approach.


We aim to not only continue to develop new and innovative insurance products but also continue to challenge the processes of a traditional broker. Our aim is to take away the complexity that is associated with many insurance products and make them so that everyone can understand, making insurance accessible to all.

Brief History

  • 1993: UK & Ireland Insurance Services is formed – our parents if you like.
  • 2003: UK & Ireland Insurance Services (Online) Limited is formed (born) as a subsidiary of the main group. Initially set up to develop online business while the main brokerage stuck with traditional broking methods and traditional access platforms to the market. UK & Ireland Insurance Services (Online) Limited was set up without the usual shackles that an insurance broker has to endure and was tasked with developing small simple transactional products that could be brought to the market in a short space of time.
  • 2003: UK & Ireland Insurance Services (Online) Limited purchases Campus Insurance and its trading style of Cover4Students which provided possessions insurance to students who lived away from the family home. This product is still a core element of the business today and will continue to be for a long time into the future as we never want to forget what made us who we are today.
  • 2005: Purchased Saxon Insurance at the time the 3rd main insurer in the UK student contents insurance market.
  • 2008: When the main company was sold to COBRA Holdings in 2008, UK & Ireland Insurance Services (Online) Limited continued as an independent company under the guidance of the Managing Director Martin Nugent. Martin has been with the company since 2005 and continues to be the driving force behind its success with the belief that insurance is and always will be a “people business” requiring strong communication and relationship skills between customers and insurers to be a success.
  • 2014 Brands such as Cover4students, Cover4TenantsCover4Travel and Cover4mobilephones are intergrated under the one brand/website of Cover4Insurance with the aim of improving the customer experience.
  • 2017Saxon Insurance products were removed from the market following a company restructure, which allowed us to further streamline our product offerings and remove duplication leaving us with 2 main trading styles of Cover4Insurance & UK & Ireland Insurance.
  • 2021: Stopped offering products in Ireland following Brexit. This decision was made due to the increased complexities and costs associated with complying with new regulations. Read our full statement.
  • 2021: Puchased McLaren & Neve  a specialist broker in the Student Landlord Insurance market.
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UKandIrelandInsurance.com is a trading style of UK & Ireland Insurance Services (Online) Limited. Authorised and Regulated by the Financial Conduct Authority. Registered in England & Wales at: The Stables, Old Co-Op Yard, Warwick Street, Manchester, M25 3HB.

* For our joint protection, calls may be recorded and monitored. Calls will be charged at a maximum 5p a minute from a BT line. Calls from non-BT phone lines may vary. Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays.