Updated September 30, 2026 · AssureCue Editorial Team
ALA Insurance vs Eversure
Where ALA Insurance and Eversure differ
| Compare |  ALA Insurance |  Eversure |
|---|---|---|
| Premium from | £45 | £17.47Lower |
| Insurance types | Breakdown, Bicycle, Van | Breakdown, Gadget |
| Cover limit | GBP 15,000 per bike | £15,000 per period of insurance (claims above this are excluded) |
| Claims channels | Phone, Email | 24 hour claims line, Online make a claim form, Contact form |
| Monthly payments | Yes | Not confirmed |
| Excess from | £0 | Not confirmed |
| Age range | Not confirmed | Vehicle up to 15 years old at time of breakdown (personal breakdown) |
Same on both: Provider type (Broker).
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Key differences
- ALA Insurance scores higher overall: 8.9 vs 8.8.
- Founded is lower at ALA Insurance: 2005 vs 2008.
- Premium from is lower at Eversure: £17.47 vs £45.
- Insurance types: only ALA Insurance offers Bicycle, Van.
- Insurance types: only Eversure offers Gadget.
- Claims channels: only ALA Insurance offers Phone, Email.
- Claims channels: only Eversure offers 24 hour claims line, Online make a claim form, Contact form.
- Support channels: only ALA Insurance offers Phone.
- Support channels: only Eversure offers Chat, Help centre.
Our verdict on each
ALA Insurance
ALA Insurance suits you if you want breakdown, bicycle or van cover from a specialist broker rather than an insurer, with premiums from £45 and monthly payments available. Claims run through phone and email and bicycle cover extends to GBP 15,000 per bike, which frames the trade-off around niche focus rather than broad household cover.
Eversure
Eversure is a UK broker selling personal breakdown and gadget cover, which suits drivers with a newer car who want a single policy. Personal breakdown cover starts at £17.47 a month, and the policy is capped at a cover limit per period of insurance.
Score breakdown
| Area | ALA Insurance | Eversure |
|---|---|---|
| Cost | 9.0HigherPremiums start at £45 with excess from £0 which supports entry cost clarity. | 8.6Personal breakdown cover starts at £17.47, below the €23.33 typical of the category. |
| Offer | 8.7Focused range at breakdown, bicycle and van with bicycle limits at GBP 15,000 per bike shapes choice. | 8.9Higher |
| Trust | 8.9HigherBroker model at broker under licence 571109 supports oversight. | 8.7 |
Choosing between them
Pick ALA Insurance if cost matter most.
Pick Eversure if premium from matter most.
What each covers
| Insurance types | ALA Insurance | Eversure |
|---|---|---|
| Van | Yes | No |
| Breakdown | Yes | Yes |
| Gadget | No | Yes |
| Bicycle | Yes | No |
How they place
| Ranking | ALA Insurance | Eversure |
|---|---|---|
| Bicycle insurance | 8 of 9 | 2 of 9 |
| Breakdown cover | 45 of 52 | 3 of 52 |
Every fact side by side
| Fact | ALA Insurance | Eversure |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ALA IB Limited | Eversure Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2005Lower | 2008 |
| Support channels | Email, Phone | Chat, Email, Help centre |
Where each stands against the rest
| Fact | ALA Insurance | Eversure | Median |
|---|---|---|---|
| Premium from | £45highest quarter | £17.47above the median | £7.95 |
| Excess from | £0below the median | Not confirmed | £25 |
Median across 51 listed insurance providers.
Pros and cons
ALA Insurance
Pros
- Premiums from £45 with excess from £0 and Monthly payments is yes, giving you clear entry pricing
- Bicycle cover to GBP 15,000 per bike within breakdown, bicycle and van, which is rare among general car focused rivals
- Broker model at broker under 571109, unlike unregulated sellers elsewhere
Cons
- Range stays around breakdown, bicycle and van without auto or home cover, unlike Allianz Malaysia which lists auto, motorcycle and home
- Support runs on email and phone only, which gives you fewer contact routes than brands with chat or help centre options
- Claims run through phone and email only, so you manage claims by phone or email rather than through wider digital channels
Eversure
Pros
- Personal breakdown cover starts at £17.47, under the €23.33 category figure.
- The cover limit per period of insurance is generous for a breakdown policy, and claims above it are excluded.
- A claims line, an online claim form and a contact form sit in 24 hour claims line, online make a claim form and contact form, so a stranded driver has more than one way in.
Cons
- Eversure is a broker, so the cover sits with an underwriter rather than with the broker.
- Personal breakdown cover is for a vehicle up to a stated age at the time of breakdown, which rules out older cars.
- The range of types is narrow at breakdown and gadget, so there is nothing to bundle beyond a gadget policy.
Who each suits
ALA Insurance
Who it suits
- You need van or breakdown protection alongside cycling cover and prefer ALA Insurance range at breakdown, bicycle and van over LV= at auto, home and pet
- You value phone based help and monthly billing, where ALA Insurance offers email and phone and Monthly payments is yes
- You ride a valuable bike and want the stated ceiling at GBP 15,000 per bike rather than vague contents extensions
Who should look elsewhere
- You want auto plus home and life together, where LV= lists auto, home and pet while ALA Insurance stays on breakdown, bicycle and van
- You want broad household and motor risks in a single portfolio, where Allianz Malaysia lists auto, motorcycle and home beyond niche van and bicycle lines
Eversure
Who it suits
- Drivers whose car is still within the eligible age for personal breakdown cover
- Anyone who wants to cover a gadget alongside vehicle breakdown
- People who prefer arranging cover through a broker rather than a direct insurer
Who should look elsewhere
- Owners of a car past the eligible age, who need to look at alternatives built for older vehicles
- Drivers who want a single policy covering several vehicle types at once
- Shoppers wanting a direct insurer contract rather than a broker arrangement
Country by country
| Country | ALA Insurance | Eversure |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
ALA Insurance
What does ALA Insurance cost to start?+
Premiums start at £45 for breakdown cover, which gives you a clear entry signal before you compare options. Excess starts at £0, and Monthly payments is yes, so you can spread cost across the year rather than paying in a lump sum.
Is ALA Insurance regulated?+
ALA Insurance is a broker operating as broker, with authorisation under 571109 from the Financial Conduct Authority. That licence means you deal with a regulated intermediary rather than an unregulated seller, while the underwriter remains behind the broker arrangement.
Eversure
How much does Eversure personal breakdown cover cost?+
Personal breakdown cover starts at £17.47. That sits under the €23.33 recorded across breakdown providers, and below the €115.72 upper quartile. Premiums are arranged as monthly payments through the broker.
Who regulates Eversure?+
Eversure is authorised and regulated by the Financial Conduct Authority, the UK regulator, under reference 501311. Eversure Limited is the legal entity behind the brand and is based in the United Kingdom.