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Insurtech Companies in London: 28 Active Firms (2026)
Insurtech companies build insurance software and data services for underwriting, distribution, claims and compliance in and around London.
Buying is concentrated in insurance operations rather than general IT: underwriting, broker placement, delegated authority, claims handling, pricing and compliance teams tend to drive selection. The customer base is mostly business-to-business, spanning insurers, brokers, managing agents, reinsurers and commercial policyholders that want software-led workflow, risk analytics or embedded insurance infrastructure. Typical engagements are not consumer-app launches; they are departmental tools, data services or infrastructure contracts that must fit existing policy, bordereaux, document and analytics environments. Sales cycles therefore tend to involve operating teams, risk owners and technology buyers, with proof-of-value shaped by loss ratios, placement speed, claims leakage and auditability.
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London has 28 insurtech companies actively trading, making the cohort small enough for researchers to review as individual sub-segments rather than as a broad fintech proxy. Reported employment totals 369 people, which suggests a labour footprint weighted towards lean software and data teams rather than large service operations. The commercial centre of gravity sits around insurance-market buyers in and around London: carriers, brokers, managing agents and reinsurers that need underwriting support, distribution tooling, claims automation, pricing inputs or compliance workflows. The presence of several revenue-stage firms gives the market some depth, but most remain specialist suppliers rather than diversified financial technology groups.
Regulatory exposure is usually indirect but hard to avoid. Software that informs underwriting, pricing, claims decisions or customer communications has to satisfy the control requirements of regulated insurance buyers, even when the technology supplier is not itself carrying insurance risk. Procurement therefore tends to test audit trails, data lineage, delegated authority controls, model governance and operational resilience. London’s insurance-market structure also matters: brokers, carriers and managing agents often sit in the same transaction chain, so tools that move data between placement, policy administration and claims need to handle permissioning, accountability and evidence rather than only user experience.
The sector appears likely to remain shaped by buyer caution rather than by consumer-style adoption curves. Insurance clients tend to prefer point solutions that improve a known workflow before committing to platform replacement, which favours suppliers with domain knowledge and credible implementation discipline. Early-commercial firms may find room in analytics, distribution infrastructure and claims triage, but scale-up scarcity means partnerships, acquisitions and white-labelled delivery are likely to remain common routes to market. Regulatory pressure around model use and customer outcomes should also keep explainability and evidence capture close to the centre of product decisions.
28
Active firms
2026
6
Above £5M
Larger revenue firms
3
Recent incorporations
Since 2022
Key facts
About 21% of the trading cohort reports turnover above £5M (6 of 28 firms) — the rest sits below that revenue band.
10% of the cohort was incorporated since 2022 (3 firms), so a sizeable share is in its first few filing cycles.
London insurtech suppliers sit around underwriting, distribution, claims and compliance workflows rather than a single software category.
Products in this market tend to connect with core insurance decisions: pricing risk, reaching policyholders, handling claims and evidencing compliance work.
Operating models vary across software licensing, data services and insurance distribution infrastructure, so firm profiles are not directly comparable.
Top London Insurtech companies
EVARI SERVICES UK LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops cloud-based software for the insurance industry, including the CloudStream platform used by insurers, brokers and MGAs to manage digital workflows such as submissions, underwriting, policy…
Serves B2B insurance organisations globally, including MGAs, brokers, agents, insurance carriers, London market firms, and P&C insurers across personal, commercial, and specialty lines.
Financial Health
StableStable · -94% CAGR over 2y
Location
Ibapplications Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops and provides a cloud‑native software platform for property and casualty insurers. The IBSuite system supports policy administration, underwriting, claims management, billing, rating, CRM,…
Serves B2B property and casualty insurance risk carriers, including insurers and related insurance organisations seeking modern core systems, with additional engagement for consulting firms involved…
Financial Health
StableStable · -29% CAGR over 2y
Location
Develops and supplies software platforms for the insurance and reinsurance market, including electronic placing tools, exposure management systems, messaging and exchange platforms for accounting and…
Serves B2B customers in the London and global (re)insurance markets, especially large commercial and specialty insurance brokers, carriers, underwriting agencies, and market practitioners.
Location
Intrali Limited
Develops software for the insurance market that manages delegated authority and bordereaux data, including data submission portals, validation and aggregation tools, onboarding and due‑diligence…
Serves insurers, reinsurers, Lloyd’s managing agents, MGAs and brokers involved in delegated underwriting, including teams handling bordereaux, compliance, onboarding, due diligence and portfolio…
Financial Health
Insufficient historyInsufficient history
Location
Develops software and data management platforms for the insurance market, focused on delegated authority operations. Provides bordereaux processing, data validation and aggregation, analytics and…
Serves B2B insurance organisations involved in delegated underwriting, including insurers, reinsurers, Lloyd’s managing agents, MGAs and brokers that manage bordereaux data, binder business,…
Location
HLTHIE LABS LTD
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsDevelops cloud-based software platform for health and life insurers, providing a digital operating system for policy administration, customer lifecycle management, claims processing, payments,…
Serves B2B health and life insurance providers, particularly insurers and insurance operations teams seeking digital-first platforms, legacy-system replacement, faster product launches and improved…
Financial Health
DistressedDistressed · 0% CAGR over 1y
Location
TWOTHREEBIRD HOLDINGS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides insurance infrastructure and services for brands and insurers, including licensing, regulatory operations, claims management, and API-based software. Enables partners to develop, launch, and…
Serves B2B insurance carriers, underwriters, consumer brands and affinity partners seeking specialty insurance distribution across mobility, travel, devices, retail, booking and registration channels.
Financial Health
StrongStrong
Location
OPEN INSURANCE SERVICES UK LIMITED
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides technology platforms, underwriting, and infrastructure that enable brands to offer embedded insurance products. Develops AI and data tools to support quoting, sales, and customer engagement…
Sells to brands and commercial entities seeking to offer or grow digital insurance programmes, including embedded car, home, travel, landlord and purchase protection products for their customers.
Financial Health
StableStable
Location
Operates a digital platform for the specialty insurance market that connects managing general agents and underwriters with reinsurers, insurers and institutional risk capital providers, offering data…
Serves specialty insurance businesses, primarily MGAs and underwriters, plus reinsurers, insurers and institutional investors seeking risk capital partnerships across the insurance value chain.
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides an online platform for insurance brokers, IFAs and mortgage brokers to quote, arrange and manage non‑standard property insurance policies, including cover for boats, caravans and higher‑risk…
Sells B2B to insurance brokers, IFAs, mortgage brokers and broker networks seeking non-standard property insurance for their clients, including harder-to-place risks such as thatched homes and…
Financial Health
HealthyHealthy · 0% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides digital insurance technology and services, including a no-/low-code platform for launching and managing insurance products, bespoke software development, EU intermediary licensing support,…
Serves B2B insurance-sector clients, including insurers, MGAs, reinsurers and brokers. Targets organisations needing digital, regulatory, operational and market-access support, including firms…
Financial Health
WeakWeak · -10% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops AI-based decisioning software for insurance and banking, including rating engines, pricing optimisation, underwriting analytics, and product personalisation tools that support real-time…
Sells to B2B financial services organisations, including global insurers, brokers, MGAs, banks and lenders, particularly teams responsible for pricing, underwriting, rating, product design and…
Financial Health
StableStable · -58% CAGR over 4y
Location
OPTALITIX LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops cloud software that converts Excel-based pricing and risk models into scalable web applications and APIs. Provides underwriting workbench, insurance pricing, and lending origination systems…
Sells to B2B insurance and financial services organisations, including insurers, MGAs, brokers, banks and lenders, targeting actuaries, underwriters, pricing teams and executives from SME to…
Financial Health
StrongStrong · Hiring · 25% CAGR over 2y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides a payments and financial reconciliation platform for the insurance industry. Software integrates bank, payment provider and policy administration data to automate premium collection,…
Sells to B2B organisations in the commercial insurance sector, including MGAs, insurance brokers and insurers, particularly finance, operations and technology leaders managing premiums, settlements…
Financial Health
HealthyHealthy · Hiring · 100% CAGR over 2y
Location
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides packaged insurance policies for self-employed individuals and small business owners, offering combined cover for business risks and an online platform for purchasing and managing insurance…
Serves self-employed people, freelancers and small business owners, focusing on individuals and microbusinesses rather than larger enterprises.
Financial Health
WeakWeak · Hiring · 12% CAGR over 2y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops voice analytics software that analyses speech to assess risk and detect potential fraud during claims, transactions and security screening. Provides AI-based tools used by insurers,…
Serves insurers, banks and financial services firms, government and defence agencies, and enterprise security teams handling fraud, vetting and risk decisions at scale.
Financial Health
StrongStrong · Hiring · 41% CAGR over 2y
Location
STUBBEN EDGE GROUP LIMITED
Trajectory
4y · 2019–NowFinancial sub-scores
Computed from 4 filingsProvides a digital platform and marketplace for brokers, financial advisers, and enterprises to access and distribute insurance, savings, and investment products. Offers APIs, white‑label platforms,…
Serves B2B customers in insurance and financial services, including solo brokers, appointed representatives, independent financial advisers, large enterprises and retailers seeking access to product…
Financial Health
WeakWeak · -39% CAGR over 5y
Location
Qumata Group Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsDevelops data science and artificial intelligence models that analyse fitness, activity and health data to generate health risk profiles and predictive insights, supporting insurers and financial…
Serves financial services organisations, including derivatives market participants and life insurance providers, with a global B2B focus.
Financial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
WATERTRACE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops AI‑enabled software that automates operational workflows for financial services organisations, including asset management, insurance, delegated underwriting and investment banking. The…
Serves B2B financial services organisations in regulated environments, including asset management, delegated underwriting, insurance, investment banking and claims management, targeting risk…
Financial Health
HealthyHealthy · -14% CAGR over 4y
Location
COMPARISON SYSTEMS LTD
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsDevelops and operates price comparison technology for insurance, energy and financial services. Provides white‑label comparison platforms, affiliate programmes and provider panels for partners, and…
Serves financial services, insurance, energy, technology and media businesses, including providers, co-brand partners and affiliates seeking customers or revenue through price comparison channels.
Financial Health
WeakWeak · 0% CAGR over 2y
Location
Provides motor insurance policies for cars, vans, scooters and motorbikes, including telematics-based cover. Offers insurance for private hire taxi drivers, delivery drivers and courier businesses,…
Serves UK consumers, self-employed drivers, sole traders and growing businesses, including learner drivers, private hire and Uber drivers, couriers, food delivery riders, tradespeople and van users.
Location
Nayms Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops an on‑chain reinsurance platform that connects digital asset capital with insurance risk. Issues a tokenised yield‑bearing asset backed by reinsurance premiums and collateral returns, and…
Targets institutional digital asset allocators, DeFi protocols and crypto-native investors, as well as insurers and reinsurance brokers in property catastrophe, D&O, cyber and tech E&O markets.
Financial Health
StableStable · Hiring · 41% CAGR over 4y
Location
YuLife
Provides group life insurance and employee benefits through a digital platform that includes wellbeing programmes, health-related rewards and engagement features designed to support employee health…
Serves businesses seeking employee life insurance, wellbeing benefits and rewards, particularly HR and people teams responsible for staff benefits and engagement.
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides premium finance for insurance policies, paying insurers upfront and allowing customers to repay premiums in monthly instalments. Offers a digital platform and payment management tools for…
Serves UK insurance brokers, MGAs and insurers, as well as personal and commercial insurance customers managing credit agreements and monthly premium payments.
Financial Health
WeakWeak · -4% CAGR over 4y
Location
The Disruption House Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides sustainability and operational risk data services for banks, insurers and corporates. Offers a platform for collecting and analysing value‑chain data, supporting financed emissions…
Serves banks, insurers, asset and wealth managers, and corporates with sustainability, operational resilience and supply-chain reporting needs, especially teams managing SME customer and supplier…
Financial Health
HealthyHealthy · Hiring · 5% CAGR over 4y
Location
Overstone Associates Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides data analysis, risk scoring and valuation services for artworks and collections. Combines AI tools and art market expertise to assess liquidity risk and financial indicators, supporting…
Serves B2B financial services and art-market institutions, including lenders, insurers, private banks, wealth managers, family offices and auction houses dealing with art collections as financial…
Financial Health
HealthyHealthy · 0% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides a technology platform for employers to manage worker financial benefits, including earned wage access, insurance products and reward programmes. Integrates with workforce shift data and…
Sells to businesses managing flexible, shift-based or on-demand workforces, with workers as end users. Targets employers of contractors, gig workers and hourly staff.
Financial Health
StrongStrong · Hiring · 82% CAGR over 5y
Location
Reposit Group Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides a tenancy deposit alternative for the rental market, allowing tenants to pay a non‑refundable fee instead of a traditional cash deposit while offering landlords insurance‑backed cover and…
Serves letting agents, build-to-rent operators, landlords and tenants in the UK private rental market, with agent partners offering it to landlords and renters.
Financial Health
HealthyHealthy · 3% CAGR over 2y
Location
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How London Insurtech companies work and how to sell to them
What they do
London insurtech firms usually earn revenue through annual software subscriptions, data-service contracts, usage fees or licence-plus-implementation models. Pricing often tracks the operational unit being improved: policies administered, claims processed, broker users, underwriting submissions, API calls or data volumes. Services revenue is common around onboarding, configuration, migration and integration, because insurance buyers rarely buy a tool that can sit outside their policy, document, bordereaux and reporting workflows. Embedded insurance and distribution infrastructure may add transaction-linked fees, while analytics providers tend to sell recurring access to models, scores or decision-support layers rather than one-off reports.
Who they sell to
Most sell to insurance-market operators rather than broad enterprise buyers. Typical sponsors sit in underwriting, claims, delegated authority, pricing, compliance, operations or distribution, with technology and information-security teams joining once a project moves beyond discovery. Larger buyers often bring procurement, legal and risk teams into the process, especially where customer outcomes, regulated communications or model outputs are involved. Sales are usually direct and consultative, with pilots, sandbox testing or proof-of-value periods used to check operational fit. Partner-led routes also matter where brokers, managing agents or outsourced service providers influence how insurance workflow tools reach end users.
What they buy
Most insurtech firms tend to spend on the same stack as other software and data businesses, with extra emphasis on insurance-grade controls. Common buying categories include cloud hosting, data warehousing, API management, security monitoring, identity and access management, CRM, billing, customer support, analytics, HR systems and finance tooling. They also buy specialist services around regulatory advice, insurance-domain legal work, penetration testing, data protection, model validation, actuarial support, implementation partnerships and recruitment. Firms selling into carriers or brokers usually need sales enablement, proposal support and procurement evidence packs, because credibility often depends on security documentation, referenceable deployments and clear operating procedures.
Why and how to sell to them
Insurtech buyers tend to evaluate vendors when a commercial pilot becomes a repeatable implementation problem: more integrations, longer security reviews, larger client audits, new regulated use cases or pressure to reduce manual delivery effort. Revenue-stage teams may be receptive when they are formalising customer success, finance operations, information security or partner management. Useful outbound angles are usually concrete and operational: shortening implementation cycles, improving audit evidence, reducing manual reconciliation, supporting procurement readiness or making model outputs easier to govern. Messages framed around general digital change tend to land less well than claims tied to underwriting accuracy, claims leakage, broker placement speed or compliance evidence.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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