Towergate Fleet Insurance
Now Everywhen: What Changed and What It Means for Your Policy
Towergate Insurance moved to the Everywhen brand on 17 November 2025, part of parent company Ardonagh Advisory’s consolidation of more than 35 broking businesses under one name. This guide covers what the rebrand changed, whether your existing fleet policy is affected, who to contact now, and what to check before renewal.
MultiQuoteTime is not affiliated with Towergate, Everywhen or the Ardonagh Group. This page is editorial and is not advice or a recommendation.
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Get Multiple QuotesIs Towergate Insurance Still Trading?
Yes. Towergate Insurance still operates, but it now trades as Everywhen. The change took effect on 17 November 2025, when Towergate and more than 35 other broking businesses moved to a single brand under parent company Ardonagh Advisory, which had itself become Everywhen in May 2025.
Nothing has closed and no business has been sold. The teams, the offices and the FCA permissions behind your policy are the same ones that were there before. What changed is the name on the letterhead, the website and the email address.
May 2025: the parent company changed first
Ardonagh Advisory, the UK advisory platform of the Ardonagh Group, rebranded to Everywhen. At that stage the trading brands underneath it, Towergate included, carried on unchanged, so most customers saw nothing.
17 November 2025: Towergate Insurance moved across
Towergate Insurance and more than 35 other broking businesses began trading as Everywhen, with new branding across offices, websites and client communications. Other familiar names that moved at the same time include Ethos Broking, Saffron Insurance and Berkeley Alexander.
This is the date that matters for most fleet policyholders, since it is when correspondence started arriving under a different name.
5 January 2026: employee benefits followed
Towergate Employee Benefits, a separate part of the group, completed its own move with a new website and updated branding. So depending on which Towergate business you dealt with, you may have seen the change at different times.
The wider group is substantial. Everywhen now covers more than 45 trading names across over 100 UK offices, employs upwards of 4,500 people, and places more than £5 billion of insurance premium a year on behalf of clients, according to Ardonagh’s own announcement.
What the Rebrand Means for Your Fleet Policy
A brand change is not a change of insurer, and it is not a change of contract. The practical effects for most fleet policyholders are administrative rather than substantive.
Your existing cover
A brand change does not ordinarily alter policy terms, limits, excesses or renewal dates. The insurer carrying the risk is also separate from the broker’s name, so a broker rebrand does not in itself change who underwrites the policy.
If you are unsure whether anything about your cover has changed, check your schedule or ask Everywhen directly.
Correspondence now arrives as Everywhen
Renewal notices, certificates and claims correspondence come from Everywhen rather than Towergate. This is worth flagging to whoever opens the post or manages the inbox, since a renewal notice from an unfamiliar company is easy to set aside or treat as marketing.
Finding your broker again
Everywhen brought more than 35 brands together, so the contact route you had may now sit under a different team. Their site has a legacy brand lookup for exactly this, letting you search by the name you used to deal with rather than the one on the letterhead now.
Check the name on your certificate
For a fleet, the certificate of motor insurance is the document that matters at the roadside and in a claim. Make sure the copies your drivers carry, whether printed in the cab or held on a phone, are current rather than superseded ones naming a broker that no longer trades under that name.
This page describes a corporate brand change and is not advice about your own policy. If you are unsure how any of it applies to your cover, speak to Everywhen or your own broker.
Comparing Fleet Insurance After a Broker Rebrand
A rebrand is a natural prompt to look at the market. Not because anything is wrong with the cover, but because a change in name is usually the first time in years that a policyholder actually reads the correspondence rather than filing it.
Fleet policies are particularly prone to quiet auto-renewal. The vehicles change, drivers come and go, mileage patterns shift, and the schedule stays as it was three years ago. Most operators only find the mismatch when they make a claim. Three things worth checking while the paperwork is in front of you.
Is the vehicle schedule current?
Vehicles sold, added or swapped since the last renewal need to be on the schedule. An unlisted vehicle is the most common reason a fleet claim runs into difficulty, and it is entirely avoidable.
Does the driver basis still fit?
Any driver fleet insurance suits operators with changing staff or agency drivers. Named driver is usually rated lower but only works if the list is accurate. Fleets often start on one basis and grow into needing the other without anyone revisiting it.
Is the declared use and mileage still right?
Operating radius, annual mileage and use class all feed into the premium. If the work has changed, for example moving from local delivery to longer trunk routes, the declared basis needs to change with it.
If you are reviewing cover anyway, it is worth seeing what else the market offers. You can compare fleet insurance across a panel of specialist UK providers, or read our guide to commercial HGV fleet insurance if your fleet includes heavy goods vehicles.
Eamonn’s Take
Eamonn Turley · Commercial Insurance Editor, MultiQuoteTime
A rebrand is worth more attention than it gets, and not for the reason people assume. The cover is fine. The risk is administrative: a renewal notice arrives from a company nobody in the office recognises, gets treated as a mailshot, and sits in a pile. On a fleet that matters more than on a single vehicle, because a gap in cover affects every vehicle and every driver at once. Two minutes of housekeeping fixes it. Tell whoever handles the post that Towergate correspondence now says Everywhen, and put the renewal date in the diary this year rather than relying on the letter being recognised.
Frequently Asked Questions
Everywhen. Towergate Insurance began trading under the Everywhen name on 17 November 2025, alongside more than 35 other broking businesses in the same group. Towergate Employee Benefits followed on 5 January 2026.
Yes, under the Everywhen name. The business has not closed and has not been sold. The teams, offices and FCA permissions behind existing policies are unchanged, and the rebrand was a consolidation of brands within the Ardonagh group rather than a sale or a wind-down.
A brand change does not ordinarily alter policy terms, limits, excesses or renewal dates, and the broker’s name is separate from the insurer carrying the risk. If you are unsure whether anything about your own cover has changed, check your schedule or ask Everywhen directly.
Everywhen’s website has a legacy brand lookup, which lets you search by the name you used to deal with rather than the one on the letterhead now. That covers Towergate and the other brands that moved across, including Ethos Broking, Saffron Insurance and Berkeley Alexander.
Parent company Ardonagh Advisory brought more than 35 broking businesses under one brand, having itself become Everywhen in May 2025. The group says the aim was to give clients a clearer, more consistent identity across businesses that had been acquired separately over many years.
A rebrand is not a reason to move in itself, since nothing about the cover has changed. But it is a natural prompt to check the vehicle schedule, the driver basis and the declared mileage are still accurate, since fleet policies often auto-renew for years without anyone reviewing them.
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