About Motorcade
History
After spending a decade in the London insurance market specialising in Private & Public Hire insurance, Martin Gowing co‑founded the Acorn Group in 2001. Building on his experience of underserved drivers, he founded Motorcade to tackle a growing problem in UK car insurance: many motorists face higher premiums but can’t afford to pay for a full year of cover upfront and are often pushed into finance agreements with added interest just to stay on the road.
Backed by over 40 years of specialist motor insurance experience within Acorn Group, Motorcade is a finance‑free alternative for budget‑conscious and non‑standard drivers across the UK. From the start, our focus has been on people who don’t fit the “standard” insurance mould – including those with driving convictions, tighter budgets, or who’ve struggled to get cover elsewhere.
Today, Motorcade combines that specialist heritage with a digital‑first customer experience, so you can manage your car insurance and payments online, without finance paperwork or interest charges.
Our services
Motorcade provides finance‑free car insurance for UK drivers who want to pay monthly without taking out a loan or paying interest on their premium. You choose the level of cover that suits you, and spread the cost across the year with clear, predictable payments.
Motorcade is a digital-first insurance specialist. Our Customer Portal lets you manage your policy 24/7 – update details, change vehicles, add drivers, manage payments, view documents and control auto‑renewal.
We offer three main levels of car insurance to suit your needs and budget.
Comprehensive cover
Our highest level of cover, including damage to your own car (even if you’re at fault), fire, theft and accidental damage. It also covers damage to other vehicles or property, injuries to other people, and may include benefits such as windscreen repairs and key cover, giving you peace of mind in most everyday driving situations.Third Party, Fire & Theft (TPFT) cover
Covers damage or injury you cause to other people, plus protection if your car is stolen or damaged by fire. It doesn’t cover damage to your own vehicle after a fault accident.Third Party Only (TPO) cover
The minimum level of cover required by law, protecting you if you damage someone else’s vehicle or property or injure another person, but not covering your own car.
Proud to be part of the Acorn Group
Motorcade is proud to be part of Acorn Group, one of the UK’s leading specialist motor insurance groups, with over 40 years’ experience helping motorists who often struggle to get cover elsewhere.
Acorn Group at a glance
– 500,000+ policy sales;
– £803 gross written premium (GWP) in 2025;
– 90% combined operating ratio (COR);
– 1,800 colleagues across the UK;
– Insurance sold direct through several Acorn Group brands and via a network of over 200 UK brokers;
– All policies are underwritten by Haven Insurance Company Limited, the specialist underwriter for Motorcade car insurance policies.
What this means for Motorcade customers
As a Motorcade customer, you benefit from:
– Acorn Group’s specialist experience in non‑standard motor insurance, built up over decades of helping drivers get the cover they need
– A strong distribution and underwriting partnership with Haven Insurance Company Limited, who underwrite Motorcade car insurance policies
– Access to specialist claims support thanks to the relationship with Acorn Claims
– The confidence that your finance‑free, digital‑first Motorcade policy is backed by a specialist insurance group with the scale to support you when it matters most