Chill Insurance
Chill Insurance is an Irish online insurance intermediary regulated by the Central Bank of Ireland, comparing quotes from 14 leading insurers across car, home, travel, van, life, business, health, and gadget insurance for Irish consumers and small businesses.
- Company typePrivate
- Founded2007
- HeadquartersSandyford, Ireland
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Chill Insurance does
Chill Insurance is an Irish-owned online insurance intermediary (broker) regulated by the Central Bank of Ireland and a member of Brokers Ireland. Founded in 2007 and headquartered in Sandyford, Dublin 18, with a second office opened in Cork in 2013, the company operates a comparison platform that aggregates quotes from 14 leading insurance providers and distributes policies to Irish consumers and small/mid-market businesses. Chill earns revenue through commissions paid by panel insurers for placing business, supplemented by explicit professional fees (up to €800 for non-life personal new business/renewal setup, up to 50% of premium for commercial insurance) and administration/amendment fees.
The company's product portfolio spans eight core lines: car, home, travel, van, life, business, health, and gadget insurance. Customers interact with Chill through a self-serve online platform (with dedicated quote funnels for motor, home, and travel), a call centre open six days a week, and social media support channels. Chill also offers a Telematics Co-Pilot motor policy and has partnered with Close Brothers Premium Finance Ireland to provide monthly instalment payment options. The firm employs over 200 staff, has tripled in size since 2011, and self-describes as Ireland's fastest growing online insurance broker.
Go-to-market is a hybrid sales-led motion: the website drives self-service quote acquisition, while the call centre handles more complex cases, renewals, and claims. Marketing is multi-channel, including a content blog, paid and organic social (Facebook, Instagram, Twitter, YouTube, LinkedIn), email/newsletter, and PR placements in Irish media. Chill's competitive position rests on a regulated broker license, breadth of panel partnerships with major global and domestic insurers, and operational scale that supports a six-day customer support function.
Chill Insurance firmographics
Firmographics- Name
- Chill Insurance
- Legal name
- Chill Insurance Ltd t/a Chill Insurance
- Website
- https://chill.ie
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Chill Insurance is an Irish online insurance intermediary regulated by the Central Bank of Ireland, comparing quotes from 14 leading insurers across car, home, travel, van, life, business, health, and gadget insurance for Irish consumers and small businesses.
- Ownership category
- akta.pro rank
Chill Insurance industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industry
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Chill Insurance is headquartered
LocationHeadquarters
- HQ city
- Sandyford
- HQ country
- Ireland
- HQ region
- Europe
Offices2 records
Markets served
Chill Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Commission from Insurance Companies: Chill receives commission from insurance companies for placing a customer's business and for providing advice on product placement. Commission is deemed fully earned at inception and/or renewal of every policy. The fees paid by insurance providers have no bearing on the quotes shown to customers.
- Professional Fee for Initial Quote: Chill charges a professional fee for the initial work and time spent seeking the most suitable terms, product, and insurance company for a customer's specific needs. For Non-Life Personal Insurance, New Business & Renewal Set up Charge is up to €800. For Non-Life Commercial/Business Insurance, up to 50% of premium subject to a minimum of €50.
- Administration Fee: An administration fee is charged for renewals and any alterations during and at termination of a policy. Non-Life Personal Policy Amendment or Cancellation Charge is up to €75. Telematics Co-Pilot Motor Policy New Business & Renewal Set Up Charge is up to €400.
- Premium Finance (Close Brothers): Chill offers monthly instalment payment options via Close Brothers Limited trading as Close Brothers Premium Finance Ireland. As part of new regulations, Chill captures ID&V documents (including PPS number) for all customers availing of premium finance, on behalf of Close Brothers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Non-Life Personal Insurance - New Business & Renewal Setup |
| One time/ perpetual license | Pay-as-you-go | Non-Life Personal Insurance - Policy Amendment or Cancellation |
| One time/ perpetual license | Pay-as-you-go | Non-Life Personal Insurance - Duplicate Documentation |
| One time/ perpetual license | Pay-as-you-go | Non-Life Commercial/Business Insurance - New Business & Renewal Setup |
| One time/ perpetual license | Pay-as-you-go | Non-Life Commercial/Business Insurance - Policy Amendment or Cancellation |
| One time/ perpetual license | Pay-as-you-go | Non-Life Commercial/Business Insurance - Duplicate Documentation |
| One time/ perpetual license | Pay-as-you-go | Telematics Co-Pilot Motor Policy - New Business & Renewal Setup |
| One time/ perpetual license | Pay-as-you-go | Telematics Co-Pilot Motor Policy - Policy Amendment or Cancellation |
| One time/ perpetual license | Pay-as-you-go | Telematics Co-Pilot Motor Policy - Missed Appointment |
| Subscription | Monthly | Gadget Insurance - Monthly Cover |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels9 records
Chill Insurance product offering
Product offeringCore offering
Chill Insurance is an online insurance intermediary regulated by the Central Bank of Ireland that operates a comparison platform aggregating quotes from 14 leading Irish insurance providers. The company offers car, home, travel, van, life, business, health, and gadget insurance, distributes via chill.ie and a call centre, and earns commission for placing business with panel insurers.
Product overview
Chill Insurance is an online insurance intermediary (broker) regulated by the Central Bank of Ireland that operates as a comparison platform aggregating multiple insurance products. The company compares quotes from 14 leading insurance providers and offers a portfolio of eight core insurance products: Car Insurance, Home Insurance, Travel Insurance, Van Insurance, Life Insurance, Business Insurance, Health Insurance, and Gadget Insurance. Customers can obtain quotes, purchase policies, retrieve existing quotes, and renew policies through Chill's digital platform. The products are distributed through the company's website and call centre, with additional office locations in Sandyford, Dublin and Cork city.
Differentiator
Problem solved
Functional benefit
Products and services
- Car Insurance
Quantifiable outcome
- Average car insurance savings of €230 per year when customers compare quotes with Chill.
- +1 more outcomes
Companies that use Chill Insurance
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Chill Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Chill Insurance partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core.
- AIG EuropecoreAIG Europe is one of the world's leading insurance companies with a global customer base of 70 million. Their extensive product offering includes life, commercial and personal insurance. Chill distributes AIG Europe products through its comparison platform.
- AllianzcoreAllianz Insurance Ireland forms part of Allianz SE Group, one of the world's most prominent financial service organisations. Their product offering includes car, home & van insurance. Chill distributes Allianz products through its comparison platform.
- ARB UnderwritingcoreBased in Dublin, ARB Underwriting is a wholesale underwriter in Ireland with expertise in private and commercial motor insurance. Chill distributes ARB products through its comparison platform.
- Asgard InsurancecoreAsgard Insurance is an established underwriting company that specialises in young driver insurance, offering affordable rates for motorists aged 17-25. Chill distributes Asgard products through its comparison platform.
- AvivacoreRegarded as one of the largest pension & life insurance companies in the world, Aviva Insurance Limited specialises in home, car and travel insurance in Ireland. Chill distributes Aviva products through its comparison platform.
- AXAcoreSpecialising in competitively priced straightforward home, van and motor insurance, AXA is one of the world's top three insurance groups and Ireland's largest and longest standing insurance company. Chill distributes AXA products.
- CoverCentrecoreDublin-based underwriting company CoverCentre operates through select insurance brokers and is dedicated to offering a great range of home insurance products. Chill distributes CoverCentre products.
- Footprint UnderwritingcoreFounded in 2013, Dublin-based underwriting company Footprint offers comprehensive car insurance only with extra benefits to ensure complete cover for customers. Chill distributes Footprint products.
- Friends FirstcoreWith over 250,000 customers, Friends First is a leading financial service provider. Their products include income protection, specified illness & life cover. Chill distributes Friends First products.
- Intact InsurancecoreIntact Insurance is one of the world's leading insurance companies, with more than 31,000 employees working across 180 countries and territories. Intact Financial Corporation acquired RSA in 2021, which has been providing non-life insurance in Ireland since 1721. Chill distributes Intact products.
- Irish LifecoreIrish Life is part of the Great-West Lifeco group, one of the world's leading life assurance providers. They offer competitively priced life insurance and are an active part of the Irish community. Chill distributes Irish Life products.
- Ivernia InsurancecoreBased in Dublin, Ivernia Insurance is an underwriting agency founded in 2017 offering a private motor product called Ivernia Total at a very attractive rate. Chill distributes Ivernia products.
- KennCo UnderwritingcoreKennCo Underwriting Limited, established in 2008, has an extensive product offering including personal motor insurance for both commercial and private vehicles, as well as household and travel cover. Chill distributes KennCo products.
- New IrelandcoreFounded in 1918, New Ireland is an Irish market leader in the investment and protection sector, providing a range of life assurance, pensions and investment products. Chill distributes New Ireland products.
- Prestige Underwriting ServicescoreSince 1997, Prestige Underwriting Services Ltd has been offering Irish customers a variety of personal & commercial lines insurance products, including both standard & non-standard home insurance. Chill distributes Prestige products.
- Royal LondoncoreFounded in 1861, Royal London is considered one of the most eminent providers of mortgage protection and life insurance products. Chill distributes Royal London products.
- Wrightway UnderwritingcoreWrightway Underwriting Ltd works exclusively with a panel of brokers and is one of Ireland's largest underwriting agencies providing home, car & haulage cover, as well as public and employer liability. Chill distributes Wrightway products.
- Zurich InsurancecoreRecognised around the world as one of the leading insurance providers, Zurich offers a comprehensive range of insurance products including car, home, van and life cover. Based in Dublin, Zurich employs over 400 people in Ireland and is part of the Zurich Insurance Group founded in 1872. Chill distributes Zurich products.
- Close Brothers Premium Finance IrelandcoreClose Brothers Limited trading as Close Brothers Premium Finance Ireland provides finance for customers who choose to pay for insurance by monthly instalments. Chill captures Identification and Verification documents (ID&V), including PPS number, for all customers availing of the premium finance payment option, on behalf of Close Brothers.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
Chill Insurance competitors and assessment
Company assessmentBroad incumbents
- MoneySupermarket: UK-listed comparison platform spanning insurance, banking and travel. While UK-focused, its brand and aggregator model influence Irish consumer expectations and represents the dominant scaled template in the comparison space.
- Confused.com: UK's first insurance price-comparison website, owned by Admiral Group. Operates the same commission-based aggregator model targeting personal lines customers.
- Compare the Market: Global insurance and financial services comparison brand, part of the BGL Group. Operates the same aggregator-to-insurer model as Chill at much larger scale across multiple geographies.
- GoCompare: UK insurance and financial comparison platform, now part of the Future plc group. Comparable aggregator business with insurer panels serving similar personal lines customers.
Direct peers
- 123.ie: Irish insurance comparison and distribution platform offering motor, home and travel quotes from multiple insurers. Directly comparable aggregator model targeting the same Irish consumer with overlapping carrier panels.
- AA Ireland: Long-established Irish roadside-assistance and insurance provider with a panel-based broker arm. Overlaps with Chill on motor and home insurance distribution and similar digital and call-centre go-to-market.
- Bonkers.ie: Ireland's leading price-comparison website for insurance, broadband, and banking products. Operates an almost identical aggregator model in the same Irish market, making it Chill's closest direct competitor.
- Switcher.ie: Irish price-comparison site (operated by Bonkers Media) focused on energy, broadband and insurance. Competes head-to-head with Chill on insurance aggregation in the Republic of Ireland.
Others
- Aviva Ireland: One of Chill's panel insurers and a direct-to-consumer carrier in Ireland. Functions as both a partner (via Chill's distribution) and a structural threat as Aviva invests in its own digital funnel.
- Zurich Insurance Ireland: One of Chill's largest panel insurers (>400 staff in Ireland) and a direct writer of car, home, van and life cover. Closely linked through Chill's distribution but increasingly competing for the same end customer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Chill Insurance social profiles
Digital presenceChill Insurance compliance and trust
Trust signalCompliance2 records
Chill Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chill Insurance leadership team
Management profileNumber of profiles
Profiles8 records
Chill Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chill Insurance 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 Chill Insurance
What does Chill Insurance do?
Chill Insurance is an online insurance intermediary regulated by the Central Bank of Ireland that operates a comparison platform aggregating quotes from 14 leading Irish insurance providers. The company offers car, home, travel, van, life, business, health, and gadget insurance, distributes via chill.ie and a call centre, and earns commission for placing business with panel insurers.
Is Chill Insurance a public or private company?
Chill Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Chill Insurance founded?
Chill Insurance was founded in 2007. It employs 251 to 500 people.
Where is Chill Insurance based?
Chill Insurance is headquartered in Sandyford, Ireland, in the Europe region.
How does Chill Insurance make money?
Four revenue lines are on record. Commission from Insurance Companies are the primary driver. The others are professional Fee for Initial Quote, administration Fee and premium Finance (Close Brothers).
Who are Chill Insurance's main competitors?
Broad incumbents on record are MoneySupermarket, Confused.com, Compare the Market and GoCompare. Direct peers are 123.ie, AA Ireland, Bonkers.ie and Switcher.ie. Others are Aviva Ireland and Zurich Insurance Ireland.
Does Chill Insurance have an API?
No public API is recorded for Chill Insurance.
What industry is Chill Insurance in?
Chill Insurance's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity). Its NAICS code is 524210 and its SIC code is 6411.