Top 15 InsurTech Companies and Startups in the UK


The insurance industry in the UK is experiencing a wave of innovation driven by technology. InsurTech (insurance technology) companies are disrupting the traditional landscape by offering new, customer-centric solutions. From streamlined claims processes to data-driven risk assessment, InsurTech is transforming the way we buy and manage insurance. These top InsurTech companies and startups in the UK offer innovative insurance solutions for individuals seeking a better insurance experience. This article will explore the top InsurTech companies and startups in the UK.


Fintuity is a next-generation online financial adviser that aims to make professional financial advice simpler, affordable, and accessible. All of Fintuity’s services and Independent Financial Advisers (IFA) are fully regulated and qualified by the Financial Conduct Authority. The company uses above industry security protocols and secure platforms to ensure that your data is safe.

Fintuity offers 100% unbiased and compliant advice with a transparent and upfront fee structure. It provides easy, online, and paper-free financial advice. You can contact your financial adviser from the comfort and safety of your own home. With 24/7 secure access to the latest valuations, transactions, and performance, you can enjoy complete oversight of your financial strategy on the move with the Fintuity mobile app and website.


Novacene is an insurtech company that uses Artificial Intelligence to automate the process of turning raw unstructured data into actionable insights, helping organizations optimize their operations and deliver more value. The NovaceneAI™ Platform offers the advantage of training custom models, which yield results that reflect an organization’s own nomenclature and are therefore more successful at integrating with existing business processes.

The platform gets smarter as you use it, and it allows you to leverage valuable data you may already have, including data that might contain important insight about what sets you apart from your competitors. You can also retrain models on an ongoing basis, ensuring the platform gets smarter over time.


ManyPets is an insurtech company that offers pet insurance services. The company’s mission is to make the world a better place for pets and their parents. They offer pet insurance, dog insurance, cat insurance, a health plan, multi-pet insurance, and lifetime pet insurance. Their insurance policies come with generous pet health benefits that are designed to meet the needs of their customers.

ManyPets has gained unicorn status following a $350 million Series D funding round in 2021, just five years after its launch into the pet insurance market. It now insures over half a million pets globally. The company has raised a total funding of $360M over 2 rounds from 7 investors and is valued at $2B


YuLife is a tech-driven insurance company that is on a mission to inspire life and turn financial products into a force for good. Founded in 2016, YuLife is building the future of insurance based on the fundamental principle of a win-win3. The company’s platform offers life and medical insurance plans while also encouraging users to complete health activities such as walking and meditation by rewarding them with air miles, vouchers, and gift cards for financial, emotional, and physical support.

YuLife is not just about protecting lives, but also about engaging with employees and preventing illness3. They inspire wellbeing every day, for everyone, through their gamified YuLife app3. This engagement drives long-term behavior change and decreases health risk3. They give people easy access to wellbeing tools and crucial support services3. With the YuLife app, employees get immediate access to mental health support, digital healthcare, and wellbeing apps


Zego is a smart insurance platform headquartered in London, England and is led by CEO and Co-Founder Sten Saar. It is a commercial motor insurance provider that powers opportunities for businesses, from entire fleets of vehicles to self-employed drivers and riders.

The company’s platform provides pay-as-you-go insurance for drivers and riders who work flexibly with their own vehicles3. It offers a range of flexible professional and commercial insurance options for vehicle owners. This includes private hire, delivery insurance, courier van, van own goods, scooter, fleet, and other insurances


Percayso Inform, also known as Percayso, is a tech-driven insurance company that was founded in 2016. The company is headquartered in Nottingham, England and provides insurers with access to a wide range of data sources, allowing them to form a more comprehensive view of their customers.

Percayso’s platform is an all-in-one platform for customer insight and analytics, giving insurtechs greater predictive power. It goes beyond traditional data enrichment, providing real-time keys at all stages of the insurance lifecycle and delivering unrivaled insight into insurance customers, risk, and fraud. This enables clients to increase customer loyalty, reduce claims, and book business is a London-based insurtech company that is transforming the insurance industry by connecting data to make insurance smarter. The company was founded on October 1, 2017, by Alberto Romero, Chris Clarke, Mark Musson, and Peter Bousquet. applies machine learning to traditional insurance models to create data-driven solutions for real-world fleet management problems. By combining multiple data streams, their platform creates accurate risk models that evolve in real time and price insurance. They use science and data in their precision insurance solution, improving road safety by building a risk & insurance platform called Rideshur. Rideshur tracks thousands of environmental & behavioral data points in real time, providing transportation risk modeling capabilities.


Diesta is an insurtech company that was founded in 2022. The company is based in London, United Kingdom and has an additional office location in Eastbourne, England. Diesta is led by Julian Schoemig, who serves as the Co-Founder and CEO, and Chris Davis, who is the Co-Founder and CTO.

The company develops an integrated payment platform for the insurance business. This platform automates the reconciliation and distribution of insurance payments. It also provides payment integration, data reconciliation, reporting, and other features. Diesta’s software modernizes the flow of funds in the insurance industry and uses automation to manage admin expenses, speed up payment processing, and provide users with data on their payments and business


Eleos Health, founded in 2019, is a Cambridge, Massachusetts-based company that develops an artificial intelligence-backed voice technology designed to gather insights into behavioral health. The company offers a tool that can run in the background of mental health sessions and uses voice AI capabilities to analyze it and based on various data parameters give insights and information about the patient. This enables clinicians to give personalized care and provide the necessary support. Eleos Health has raised a total funding amount of $40M as of their last funding round on Nov 8, 2023, from a Series B round.

On the other hand, Eleos Life Limited, founded in 2022, is a London-based company that partners with consumer brands to embed income protection and life insurance into their online journeys. The company has developed an integrated payment platform for the insurance business. This platform automates the reconciliation and distribution of insurance payments. Eleos Life Limited has raised a total funding amount of $885K


BirdsEyeView, also known as BirdsEyeView Technologies, is a company that operates in the insurtech sector. The company was founded in 2020 and is based in London, United Kingdom.

BirdsEyeView develops digital underwriting and climate analytics technology solutions for the insurance industry. It offers weather, climate, and natural catastrophe intelligence and analytics for underwriters to assess their exposure to climate risks. The company also provides cloud-based tools for automating underwriting, policy administration processes, and quote generation.

In addition, BirdsEyeView manages general agents and harnesses meteorological data from satellites, ground stations, and IoT devices to offer an uncomplicated parametric weather-risk insurance product. The company uses its proprietary rating engine to accurately price the insurance at an individual farm level. This enables agricultural insurers to make informed and faster decisions


Lukango is based in London, United Kingdom and provides custom insurance for small businesses. The platform of the company delivers simple-to-understand, fit-for-purpose digital insurance products. It enables consumers to accomplish their aspirations by providing really flexible, simple-to-understand insurance coverage.

The company was started with the idea of supporting, celebrating, and protecting the hopes and dreams of fledgling businesses. Lukango has put its heart into business insurance and has built its platform on empathy, imagination, and crafty programming. The company ditches the pigeonhole method and replaces the outdated and mis-sized menu options with creative solutions that support the goals of small businesses.

Lukango partners with insurers like Markel Direct to offer specialist insurance products, while tailoring its technology to recognize new trends. At the core of its mission, Lukango explains policies using clear, easy-to-understand language. This is to earn the trust of small businesses and build confidence about choosing the right insurance to support their business as it grows.


Cuvva is a pioneering insurtech company that is revolutionizing the insurance industry with its flexible, customer-centric solutions. Founded on February 28, 2014, by Freddy Macnamara and James Billingham, Cuvva is headquartered in London, England. The company is actively targeting a new generation of consumers, specifically Gen Z, with its short-term car insurance policies.

Cuvva connects customers directly with insurers, providing cover within minutes, and offers 24/7 customer support. It offers a range of insurance products including personal cars, learners, van, taxi, and travel insurance. All these services are managed through a user-friendly mobile app.

The company has shown significant growth, with over seven thousand drivers using their services between January and March of a given year. The mobility app has sold around 6 million policies and supported over 760,000 customers. Cuvva has raised £17M in funding as of its last funding round on Jan 1, 2021.


Cytora is a leading insurtech company that is transforming the insurance industry with its innovative, digital-first solutions. The company’s mission is to help build a bigger, more impactful insurance industry where more risk can be transferred away from businesses that don’t want it to efficient financial markets.

Cytora’s platform is configurable and enables commercial insurers to process risks with greater efficiency and accuracy. It digitizes every incoming risk, augments them with additional data sources, evaluates them against multiple rules, including appetite and priority rules, and routes them to downstream systems for automated or manual decision-making.

The company’s technology is for commercial and specialty insurance, and it is unique for each insurer, accelerating competitive differentiation. Cytora’s platform uses Generative AI, enabling insurers to accelerate configurability, scalability, and performance across all lines of business.


Flock is a London-based insurtech company that is redefining the insurance industry with its innovative, digital-first solutions. Founded by Antton Peña and Ed Leon Klinger, Flock is on a mission to make the world quantifiably safer.

Flock provides insurance for commercial motor fleets, including cars, vans, and trucks. The company’s unique approach to insurance is data-driven, enabling it to price connected vehicle insurance on a per-second basis. This real-time approach not only allows Flock to provide insurance that proactively enables and incentivises safer driving but also gives fleet owners the insights they need to improve safety.


Laka is a London-based insurtech company that is transforming the insurance industry with its innovative, data-driven solutions. Founded on January 20, 2017, by Ben Allen, Jens Hartwig, and Tobias Taupitz, Laka is a peer-to-peer bicycle insurance platform that covers bicycles and equipment.

Laka provides actual coverage by a community of like-minded people who are collectively given a fair price that covers theft, vandalism, damage, and loss. In addition to this, it also provides recovery advice and treatments. The company’s main offering is collective-driven insurance – with its flagship product being award-winning bike, e-bike and e-cargo bike insurance.

The UK InsurTech landscape is full of innovation and potential. These 15 companies we’ve explored represent just a glimpse of the exciting developments transforming the insurance industry. As InsurTech continues to evolve, we can expect even more personalized, data-driven, and accessible insurance solutions for everyone.

So, what does the future hold? We can expect to see further developement of artificial intelligence, blockchain technology, and the Internet of Things (IoT) within the insurance sector. This will lead to more dynamic risk assessment, real-time claims processing, and ultimately, a more efficient and customer-centric insurance experience.

If you’re a consumer looking for a better insurance experience, keep an eye on these InsurTech pioneers. They are paving the way for a future where insurance is not just a necessity, but a valuable tool for managing risk and protecting what matters most. For businesses, embracing InsurTech solutions can lead to cost savings, improved risk management, and a competitive edge.

The InsurTech revolution is here to stay, and it’s reshaping the UK insurance landscape for the better. Are you ready to be a part of it?