7 Top Embedded Insurance Companies in the UK

Insurance is changing. Gone are the days of complicated forms and long phone conversations with brokers. With the help of these top embedded insurance companies, today’s insurance market is about delivering relevant protection in places where it’s convenient for customers.

Want customers to insure their trip? Offer travel insurance right when they purchase their ticket. Want them to protect their phone? Give them the option as they buy the device or set up a phone contract.

And all of this is done through embedded insurance. For a quick overview on how this model works, read our helpful guide, “What Is Embedded Insurance?”

Embedded insurance is transforming how brands connect with their customers, seamlessly offering relevant solutions that boost engagement, strengthen brand perception, and open new revenue streams.

Top Embedded Insurance Companies in the UK

Interested? Let’s take a look at seven of the top embedded insurance companies in the UK.

1. Cover Genius

Originally from Sydney but now available in more than 60 countries and 40+ languages, Cover Genius allows companies to embed a wide range of insurance options. Their XCover platform touts being able to offer “any type of protection, almost anywhere in the world.”

From providing car insurance for people renting autos to luggage delay protection for travellers, Cover Genius is a flexible, highly customisable option for organisations of every type.

In Summary:

• Available in 60+ countries including the UK
• Offered in 40+ languages
• All kinds of insurance

2. Eleos Life

Specialising in personal lines of insurance including embedded term life insurance and embedded income protection, Eleos Life allows organisations like building societies and money management apps to add insurance to their offerings in as little as one week. In order to drive adoption, Eleos bundles policies with wellness perks such as counselling, physiotherapy, and online workouts, bringing value to customers from day one.

In Summary:

• Available in the US and UK
• Specialising in term life insurance and income protection
• Policies bundled with free wellness perks

3. Bolttech

Launched in 2020, bolttech has rapidly grown into an embedded insurance juggernaut, now offering 6,500+ products across 39 countries and markets. Bolttech partners with major telecommunications operators, insurers, and retailers to embed insurance seamlessly into customer journeys for products such as mobile devices, travel, automotive, and more.

In Summary:

• Available in 39 markets, including the UK
• Offers 6,500+ different products
• Provides insurance for mobile devices, health tech, home, travel, cyber, mobility, and consumer electronics

4. Chubb

Chubb offers a diverse range of embedded insurance products that integrate into digital customer journeys for both businesses and consumers. Their solutions include travel insurance embedded in flight and hotel bookings, purchase and bill payment protection through banking apps, personal accident insurance in ride-hailing apps, and mobile device coverage bundled with digital bank products.

In Summary:

• Available in multiple countries, including the UK
• Wide range of insurance offerings for both businesses and individuals
• Insurance delivered through their proprietary digital platform, Chubb Studio

5. Tigerlab

Tigerlab partners with insurers, brokers, and retailers to deliver a completely modular insurance software platform that adapts to each company’s unique needs. Organisations can mix and match features — like AI-powered underwriting, digital claims automation, customer support solutions, and strategic consulting services — to build an embedded insurance system that matches their needs.

In Summary:

• Available in multiple countries including the UK
• Modular system
• API-first platform for insurers, brokers and MGAs

6. Qover

Partnering with more than 440 brans since its launch in 2016, Qover's insurance is embedded into products you might already be using, like the purchase protection included in Revolut’s paid plans or the travel insurance bundled with Yonder cards. No wonder they’re one of the top embedded insurance companies.

Qovver is a perfect example of how embedded insurance can help add real value for customers built into existing journeys.

In Summary:

• Available across Europe, including in the UK
• Can embed multiple types of insurance including purchase protection, travel, motor, accident and health coverage, device protection, and event cancellation insurance
• Partnered with 440+ brands servicing millions of customers

7. Open

Another Insurtech originating in Sydney, Open allows companies to embed a variety of personal insurance lines. Their focus is partnering with large and fast-growing brands to offer their range of award-winning insurance. With more than 100,000 policies sold, they are a trusted name in embedded insurance.

In Summary:

• Available in the UK and Australia
• Offers car, home, landlord, travel and tech cover insurance
• Focused on large and growing brands

Why choose embedded insurance?

Weaving valuable protection directly into your existing journeys can help your organisation unlock new income while delivering more value for customers — boosting brand perception and loyalty. It’s a way to stand out from the competition and enhance your core value proposition.

Additionally, a big advantage of embedded insurance is that it can be launched quickly with minimal compliance hurdles or tech requirements.

If you want to learn more about how embedded insurance can complement your business model, set up a time to chat with the Eleos team. Book your slot here.