Flock
Flock is a London-based insurtech that provides telematics-driven commercial motor fleet insurance across courier, haulage, taxi, rental, and OEM segments in the UK, using AI risk models trained on hundreds of millions of driving miles and pricing policies through a broker and direct-sales network under Admiral underwriting.
- Company typePrivate
- Founded2015
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Flock does
Flock is a London-based insurtech that sells connected, telematics-driven commercial motor fleet insurance to UK fleet operators. Originally spun out of academic research in 2015, the company initially offered drone insurance before pivoting in 2020 to commercial motor fleets, where it built a single platform covering courier, haulage, taxi/PCO, rental, trades, telecom, credit hire, and OEM-embedded fleets. Customers include Amazon DSPs, DPD, FedEx, Jaguar Land Rover, Voi, Onto, Free2Move, and Green Motion, distributed through a broker network, direct enterprise sales, and a self-service Flock Portal.
The platform's core technology pairs proprietary AI-driven risk models, trained on hundreds of millions of miles of real-world driving data, with direct integrations into 100+ telematics and camera providers such as Geotab, Samsara, Verizon, and Continental. This produces usage-based pricing, driver-level safety scoring, real-time leaderboards, and a premium rebate mechanism that returns up to 10% of annual premium to safer fleets. Supporting modules include digital policy administration with automatic MID updates, QR-code driver incident reporting, multi-channel claims handling, and quarterly safety reviews. All policies are underwritten by Admiral (and NIG/RSA for specific segments), with Flock providing the technology platform and risk management layer.
Flock earns revenue primarily through insurance premiums on an annual billing cadence, with pricing tailored to each fleet's risk profile. Go-to-market combines a broker channel (Broker Distribution Managers, Broker Portal), enterprise direct sales for large fleets, and a digital self-service funnel. In 2024 Flock partnered with Admiral Pioneer, and in June 2026 Admiral Group completed its £80m acquisition of Flock, integrating the platform as Admiral's telemetry fleet insurance proposition.
Flock firmographics
Firmographics- Name
- Flock
- Legal name
- Flock Limited
- Website
- https://flockcover.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Short description
- Flock is a London-based insurtech that provides telematics-driven commercial motor fleet insurance across courier, haulage, taxi, rental, and OEM segments in the UK, using AI risk models trained on hundreds of millions of driving miles and pricing policies through a broker and direct-sales network under Admiral underwriting.
- Ownership category
- akta.pro rank
Flock industry classification
Industry- Product category
- Commercial Motor Fleet Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Commercial Auto & Fleet Insurance (FSAJAMAB)
- akta.pro secondary industries
- Insurance, Risk & Claims Telematics Integrations (TLAEAFAM), Fleet Safety Analytics, Benchmarking & Risk Scoring (TLAEANAI)
Keywords
Where Flock is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Flock business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Fleet Insurance Premiums: Flock earns revenue through insurance premiums charged to commercial fleet operators. Pricing is data-driven and reflects the unique risk profile of each fleet based on telematics data, driver behaviour, mileage, and journey risk. Safer fleets pay less through the premium rebate program.
- Premium Rebates (Deduction): Fleets demonstrating safer driving earn back up to 10% of their annual premium as rebates. This serves as both a cost reduction mechanism for customers and a risk management tool, aligning Flock's interests with fleet safety outcomes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Custom fleet insurance pricing based on risk profile |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Flock product offering
Product offeringCore offering
Flock provides connected commercial motor fleet insurance for UK fleets, powered by real-time telematics data and AI-driven risk models trained on hundreds of millions of miles of driving data. The platform prices risk dynamically based on actual driver behaviour and offers up to 10% premium rebates for safer driving, with the Flock Portal delivering self-service policy administration, real-time safety insights, and digital claims handling. Specialized insurance modules cover courier, haulage, taxi, rental, own goods, credit hire, telecom, OEM embedded, and removals segments, distributed via brokers, direct enterprise sales, and digital channels.
Product overview
Flock is a connected commercial motor fleet insurance platform that operates as a single unified product with multiple fleet-type insurance modules and supporting digital tools. The core platform combines real-time telematics data with AI-driven risk models to provide usage-based insurance pricing and fleet safety management. The product portfolio includes specialized insurance modules for different fleet types: Courier Fleet Insurance (including Amazon DSP and DPD sub-brands), Haulage Fleet Insurance, Own Goods/Trades Fleet Insurance, Short-Term and Long-Term Rental Fleet Insurance, Taxi & PCO Fleet Insurance, Telecom Fleet Insurance, Credit Hire Fleet Insurance, OEM Embedded Fleet Insurance, and Removal Fleet Insurance. These are supported by digital tools including the Flock Portal for policy management and claims tracking, Driver Incident Reporting for on-scene incident capture, Premium Rebates for safety incentives, Actionable Risk Management for safety coaching, Digital Policy Administration for MID updates, and Fast Flexible Claims handling. All policies are underwritten by Admiral (or NIG/RSA for some products), with Flock providing the technology platform and risk management layer.
Differentiator
Problem solved
Functional benefit
Products and services
- Flock Portal (Digital Platform) Self-service digital portal providing fleet managers real-time access to policy details, safety scores, risk alerts, claims tracking, and document management. Enables adding or removing vehicles from cover in three clicks with automatic Motor Insurance Database (MID) updates.
- Courier Fleet Insurance Specialised commercial motor insurance for courier and last-mile delivery fleets of 5+ vehicles, including Amazon DSPs (selected as Amazon's Value Added Service insurance product), DPD, and FedEx. Designed for high-mileage, frequent-stop, urban delivery use cases with rapid digital claims handling.
- Haulage Fleet Insurance Specialist commercial motor insurance for UK haulage fleets, covering general freight, temperature-controlled, and hazardous loads. Supports HGVs up to 44 tonnes and rigid trucks/articulated lorries for fleets of 5+ vehicles, with telematics-driven risk pricing.
- Own Goods Fleet Insurance Tailored commercial motor insurance for fleets of 10+ vehicles carrying tools, equipment, or goods related to their trade, including construction, plumbing, electrical trades, food distribution, and refrigerated transportation.
- Short-Term Rental Fleet Insurance Commercial motor insurance for businesses offering vehicles for rental terms under 30 days, including airport rental fleets, car clubs, daily rental companies, and mobility platforms. Handles high vehicle turnover and varied driver experience.
- Long-Term Rental Fleet Insurance Specialised commercial motor insurance for fleets of 10+ vehicles offered for more than 30 days, including vehicle leasing, subscription, and salary sacrifice fleets, with full quoting and binding automation via the Embedded Insurance platform.
- Taxi & PCO Fleet Insurance Insurance for UK taxi and private hire fleets of 5+ vehicles, including public hire (black cabs), private hire, PCO fleets, and ride-hailing services on Uber and Bolt. Fully integrated with ride-hailing platforms via Instadoc for compliance verification.
- Telecom Fleet Insurance Commercial motor insurance for UK telecom fleets of 10+ vehicles transporting equipment and technicians to service sites, with flexible policies for multiple vehicle types and varying usage patterns.
- Credit Hire Fleet Insurance Specialised commercial motor insurance for Credit Hire Organisations (CHOs) supplying temporary replacement vehicles after non-fault accidents, for fleets of 5+ vehicles under 3.5 tonnes. Handles frequent vehicle movement and complex credit hire claims.
- OEM Embedded Fleet Insurance Embedded fleet insurance built for automotive manufacturers and mobility providers looking to integrate insurance into new vehicle purchases or subscription models, providing full protection throughout the vehicle lifecycle with quoting and binding automation via the Embedded Insurance platform.
- Removal Fleet Insurance Tailored commercial motor insurance for fleets involved in moving services, transporting furniture, and other goods for residential or commercial relocations.
Quantifiable outcome
- 10% reduction in claims frequency for fleets using Flock's risk management program
- +4 more outcomes
Companies that use Flock
Customer profileNamed customers10 records
Segments8 records
Ideal customer profiles4 records
Flock technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability3 records
Feature5 records
Flock partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Admiral GroupcoreAdmiral Group backed the launch of Flock's haulage fleet insurance product in April 2026, combining Flock's telematics insights with Admiral's underwriting and claims expertise. This followed the acquisition announced in February 2026 and completed in June 2026.
- Admiral PioneercoreAdmiral Pioneer's venture-building business partnered with Flock in 2024 to enhance UK fleet insurance with telematics, safety insights, and fleet risk management. The partnership allowed Flock to expand its offering while leveraging Admiral Pioneer's pricing, underwriting, and claims management capabilities. This partnership led to the full acquisition of Flock by Admiral Group in 2026.
- Acorn GroupcorePartnership with The Acorn Group to launch the UK's only 'connected' taxi fleet insurance product. Leverages vehicle telemetry data to enable and reward safer driving with premium rebates. Targets medium and large taxi fleets including public hire (black cab) and PCO fleets. Acorn's underwriter Haven Insurance Company Limited provides backing.
Scale indicators10 records
Recent moves9 records
Expansion highlights6 records
Flock competitors and assessment
Company assessmentOthers
- Geotab: Global fleet telematics provider integrated into Flock's platform. Technology-enabler peer — comparable in fleet-data collection capability but does not underwrite insurance.
- Samsara: Leading fleet telematics and IoT platform. Functions as both an integration partner (Flock connects to Samsara) and a potential competitive substitute if Samsara expanded into insurance-adjacent risk services.
Emerging players
- Laka: London-based insurtech using collective risk pooling for cyclist and motorcyclist insurance. Comparable digital-first UK insurtech with usage-based pricing principles, though narrower vehicle-class focus.
- Root Insurance: US telematics-based auto insurer using driving behavior to price risk. Functionally comparable in the usage-based-pricing thesis and AI-driven risk models, although US-focused and consumer-weighted.
- Cuvva: UK insurtech offering short-term, app-based motor insurance. Adjacent in telematics and digital-first underwriting approach, but focused on personal lines rather than commercial fleets.
Direct peers
- By Miles: UK pay-by-mile telematics insurer using real-time driving data to price motor cover. Direct peer on the data-driven insurance model, although primarily consumer-focused rather than commercial fleets.
- Zego: London-based insurtech providing telematics-driven commercial motor and gig-economy vehicle insurance. Closest direct UK peer to Flock — same customer base (delivery drivers, fleets), same underwriting-via-capacity model, and same data-driven pricing philosophy.
Broad incumbents
- Allianz Commercial: Global commercial insurer with a significant UK commercial motor book. Competes with Flock for fleet customers via broker channels, though without Flock's telematics-native pricing engine.
- Aviva UK Commercial: One of the largest UK commercial motor insurers, offering fleet cover through brokers. Overlaps with Flock on fleet insurance products but as a broad incumbent across all commercial lines rather than a telematics specialist.
- QBE Insurance UK: Major international commercial lines insurer with a meaningful UK commercial motor fleet book. Comparable in targeting mid-market and enterprise fleets, but operates as a broad incumbent rather than a digital-first specialist.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Flock social profiles
Digital presenceFlock compliance and trust
Trust signalCompliance1 record
Flock financial estimates
Financial estimateRevenue estimate
Valuation estimate
Flock leadership team
Management profileNumber of profiles
Profiles5 records
Flock funding detail
Funding detailFunding overview
Funding rounds12 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Flock M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Flock
What does Flock do?
Flock provides connected commercial motor fleet insurance for UK fleets, powered by real-time telematics data and AI-driven risk models trained on hundreds of millions of miles of driving data. The platform prices risk dynamically based on actual driver behaviour and offers up to 10% premium rebates for safer driving, with the Flock Portal delivering self-service policy administration, real-time safety insights, and digital claims handling. Specialized insurance modules cover courier, haulage, taxi, rental, own goods, credit hire, telecom, OEM embedded, and removals segments, distributed via brokers, direct enterprise sales, and digital channels.
Is Flock a public or private company?
Flock is a private company. It is classified as corporate owned and is currently acquired.
When was Flock founded?
Flock was founded in 2015. It employs 1 to 10 people.
Where is Flock based?
Flock is headquartered in London, United Kingdom, in the Europe region.
How does Flock make money?
Two revenue lines are on record. Fleet Insurance Premiums are the primary driver. The others are premium Rebates (Deduction).
Who are Flock's main competitors?
Others on record are Geotab and Samsara. Emerging players are Laka, Root Insurance and Cuvva. Direct peers are By Miles and Zego. Broad incumbents are Allianz Commercial, Aviva UK Commercial and QBE Insurance UK.
Does Flock have an API?
No public API is recorded for Flock.
What industry is Flock in?
Flock's product category is Commercial Motor Fleet Insurance. Its primary akta.pro industry code is FSAJAMAB, Commercial Auto & Fleet Insurance, with a secondary code of TLAEAFAM, Insurance, Risk & Claims Telematics Integrations. Its NAICS code is 52412 and its SIC code is 6331.