Atec Group

What Atec Group does

Atec Group is a UK-headquartered insurtech platform, founded in 2017, that specialises in the distribution of niche and non-standard personal lines and SME commercial insurance. Operating from Chipping Norton, Oxfordshire with a secondary base in Caerphilly (Moorhouse Group), the group manages over 350,000 policies and more than £125 million of gross written premium across retail, wholesale and underwriting channels. Its portfolio targets an underserved pool of approximately 9 million non-standard UK homes, 555,000 caravans, 225,000 motorhomes and SMEs underserved by mainstream insurers. Since June 2024 the company has been owned by European private equity firm Perwyn, following its acquisition from Kester Capital.

The group is organised around three operational pillars. Ceta Insurance operates a B2B broker/IFA platform (Infinity) enabling quote, compare and bind of 30-40+ non-standard risks in under two minutes, with 95% quotability and ISO 27001 certification; Arkel is the in-house MGA providing proprietary underwriting capacity for non-standard home and landlord products, secured by A-rated capacity from AmTrust (£120m / 3 years) and Lloyd's via AXIS (£25m binder); and a portfolio of direct-to-consumer brands (InsureMy, Compare Caravan Insurance, Compare Boat Insurance, Compare Motorhome Insurance, LoveYourHut, Compare Landlord Insurance, ConstructaQuote, Black and White) carries digital quote-and-buy journeys and feeds a central data warehouse. Distribution reaches end customers through owned brands, price comparison websites (MoneySuperMarket), and the four major UK broker software houses (SSP, OpenGI, CDL, Applied Systems), as well as white-label partner propositions.

Atec generates revenue from insurance premium income across retail and underwriting operations, transaction-based broker fees on the Ceta Infinity platform, MGA commission and underwriting margin, and affiliate/referral economics from PCW partnerships. Customer concentration is structurally low given a long-tail of 350,000+ policyholders, 1,000+ Ceta reward-programme brokers, and diversified carrier relationships. Growth has been strong: GWP has more than tripled since 2020, policy volumes have grown at a CAGR above 30%, and the group has executed a step-change acquisition (Moorhouse Group, June 2025) under a Perwyn ownership strategy explicitly targeting a tripling of scale.

Name

Atec Group

Legal name

Atec Group Limited

Website

https://atecgroup.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Atec Group is a UK insurtech platform that distributes niche and non-standard personal lines and SME commercial insurance via underwriting (Arkel MGA), a B2B broker technology (Ceta Infinity), and direct-to-consumer brands including InsureMy, serving brokers, IFAs, leisure-asset owners and SMEs.

Ownership category

akta.pro rank

Headquarters

HQ city

Chipping Norton

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premium Revenue: Atec designs, distributes and underwrites specialist home, leisure and SME insurance products. The group manages over 350,000 policies generating premium revenue through its retail brands (InsureMy, Compare Caravan, Compare Boat, LoveYourHut), wholesale broker platform (Ceta), and MGA operations (Arkel).
2. Broker Platform Fees: Ceta's Infinity platform serves brokers and IFAs placing business through the platform. The platform generates revenue from broker transactions on the non-standard insurance panel.
3. Wholesale Distribution Revenue: Ceta Insurance provides B2B property insurance platform used by mortgage brokers, IFAs and insurance brokers offering quote, compare, click and bind service from a panel of leading property insurance providers.
4. Price Comparison Website Partnerships: Distribution partnerships with price comparison websites like MoneySuperMarket for direct-to-consumer products including boat insurance and non-standard home insurance.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels5 records

Core offering

Atec Group is a UK specialist insurance distribution and underwriting platform that designs, distributes and underwrites niche and non-standard home, leisure and SME insurance products. The group operates an omnichannel model combining a wholesale broker and IFA platform (Ceta Insurance with the Infinity quote-and-bind engine), an in-house FCA-regulated multi-line underwriting MGA (Arkel), and a portfolio of direct-to-consumer comparison brands for caravan, boat, motorhome, beach hut and landlord risks. Underlying all channels is a data-centric technology stack with a central data warehouse spanning retail and wholesale operations.

Differentiator

Problem solved

Functional benefit

Brands

• InsureMy: Direct-to-consumer insurance brand offering home, caravan, boat, landlord, motorhome and beach hut insurance through digital quote and buy journeys.
• Ceta Insurance
• Arkel Underwriting
• Compare Caravan Insurance
• Compare Boat Insurance
• Compare Landlord Insurance
• LoveYourHut
• Compare Motorhome Insurance
• constructaquote.com
• Moorhouse Group
• Black and White

Products and services

• InsureMy Direct-to-consumer insurance platform offering quote and buy for leisure, household and SME products including home, caravan, boat, landlord and motorhome insurance.
• Ceta Insurance B2B property insurance platform for brokers, IFAs and mortgage brokers offering quote, compare, click and bind service for non-standard risks through the Infinity platform.
• Arkel Underwriting Specialist multi-line MGA providing underwriting capability for non-standard personal and SME commercial markets, including residential let and non-standard home insurance.
• Compare Caravan Insurance Comparison platform for caravan insurance offering quotes from over 20 providers for touring and static caravans.
• Compare Boat Insurance First UK boat insurance panel comparison engine for motorboats, sailing yachts, narrowboats, jet skis, kayaks, paddle boards and more.
• Compare Landlord Insurance Comparison platform for let property insurance including optional rent guarantee and legal cover.
• LoveYourHut Leading provider of insurance for beach huts, chalets and shepherd huts offering the UK's only online quote and buy Beach Hut Insurance.
• Compare Motorhome Insurance Comparison platform for motorhomes and campervans with options including legal, EU and breakdown cover from a panel including KGM and Markerstudy.
• ConstructaQuote Business insurance platform trusted by over 40,000 businesses providing liability, van and tools cover for SMEs.
• Moorhouse Group Commercial SME insurance specialist with wholesale broking operation (Xbroker), retail broking (constructaquote.com) and MGA (Toledo), based in Caerphilly, Wales, with 35-year heritage and 80 employees.
• Black and White Specialised professional indemnity insurance broker and provider for the UK professional SME market.
• Infinity Platform Digital quote, compare, click and bind platform for brokers and IFAs to access non-standard insurance from panel providers, delivering 95% quotability scores and binding in under two minutes.
• Prestige Notional Home Insurance Notional home insurance product backed by Aviva offering blanket cover of £1m property and £100,000 contents, designed for homeowners who do not know the rebuild value of their property.

Quantifiable outcome

• Brokers can quote, compare and bind policies in under two minutes on Ceta's Infinity Platform
• +4 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

14 partnerships are on record, tiered strategic and core.

• Addept InsurancestrategicStrategic or Co-development Partner · 1 July 2026Addept Insurance launched an expanded personal legal expenses insurance offering called 'Legal Services Club' with Atec Group. First scheme launched as part of migration of Atec's legal expenses and ancillary insurance portfolio from Arc to Addept Insurance.
• AmTrustcoreStrategic or Co-development Partner · 25 July 2025AmTrust extended relationship with Arkel MGA, securing £120 million GWP A-rated capacity over 3 years for non-standard household insurance. Total annual capacity now £65 million GWP. Partnership demonstrates AmTrust's confidence in Arkel's underwriting discipline and data-driven approach.
• AXIS Syndicate 1686coreStrategic or Co-development Partner · 2 September 2024AXIS Syndicate 1686 provided £25 million delegated authority binder for Landlords' Let Property. Partnership makes Arkel a Lloyd's cover holder, opening opportunities for further Lloyd's capacity arrangements on non-standard home and complementary lines.
• MoneySuperMarketcoreChannel Partner/ Reseller/ DistributorMoneySuperMarket partnered with Atec Group to offer non-standard home insurance quote and buy solution direct to consumers. Partnership enables MoneySuperMarket to access Atec's panel of insurers quoting on up to 40 non-standard risk types.
• MoneySuperMarket (Boat Insurance)coreChannel Partner/ Reseller/ DistributorMoneySuperMarket partnered with Atec's InsureMy brand to offer direct-to-consumer boat insurance quote and buy service. Panel of specialist marine insurers covers sailing yachts, narrowboats, motor cruisers, jet skis, kayaks, paddle boards, windsurfs and surfboards.
• Prestige UnderwritingstrategicStrategic or Co-development PartnerPrestige Underwriting backed Prestige Notional home insurance product exclusive to Ceta. Notional sum insured policy provides blanket cover for £1m property and £100k contents, backed by Aviva. Partnership expands Ceta's non-standard home insurance offering.
• KGMcoreChannel Partner/ Reseller/ DistributorKGM is one of the UK's leading specialist motor insurers with more than 60 years' experience in the industry. Panel provider for Atec Group's motorhome insurance products alongside Markerstudy.
• MarkerstudycoreChannel Partner/ Reseller/ DistributorMarkerstudy specialises in niche motor cover with solid market knowledge and experience enabling highly targeted products. Panel provider for Atec Group's motorhome insurance products alongside KGM.
• Topsail InsurancestrategicChannel Partner/ Reseller/ DistributorTopsail Insurance added to Ceta's boat insurance panel. Topsail has insured the sailing community throughout UK and worldwide for 25 years, providing competitive and comprehensive cover for yachts, motorboats, sailing dinghies, small craft, ribs, sports boats, inland crafts and narrowboats. 100+ years combined experience.
• SSPcoreTechnology or IntegrationSSP is a major software house platform. Arkel's Let Property products are live on SSP along with other major software houses enabling broker distribution.
• Applied SystemscoreTechnology or IntegrationApplied Systems is a major software house platform. Arkel's Let Property products are distributed through Applied Systems alongside SSP, OpenGI, CDL and other distribution partners.
• OpenGIcoreTechnology or IntegrationOpenGI is a major insurance software platform. Arkel operates on OpenGI alongside other software house integrations including SSP, CDL and Applied Systems.
• CDLcoreTechnology or IntegrationCDL is a major insurance software platform. Arkel operates on CDL alongside SSP, OpenGI, Applied Systems and other distribution partners for non-standard home and landlord insurance products.
• Moorhouse GroupcoreStrategic or Co-development PartnerAtec acquired Moorhouse Group, a Commercial SME insurance specialist with 35-year heritage. The group includes wholesale broking operation Xbroker, retail broking arm under online brand constructaquote.com, and MGA Toledo. Based in Caerphilly, Wales with 80 employees.

Scale indicators19 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Bspoke Insurance Group: UK specialist insurance MGA/broker focused on non-standard and niche personal lines. Closest comparable to Atec in product mix (non-standard home, leisure, motor) and MGA+broker hybrid model with multi-channel distribution.
• Aston Lark: UK specialty insurance broker with multi-channel distribution across personal and commercial lines, supported by private equity ownership (BC Partners). Comparable scale, distribution model, and PE-backed growth orientation to Atec.
• Bollington Insurance Brokers: UK specialist insurance broker with strong commercial and personal lines presence, including non-standard home and niche products. Operates own MGA capability and software house integrations similar to Atec's Arkel and Infinity platform.
• Park Insurance Group: UK specialty insurance broker providing commercial and personal lines, including non-standard property. Similar mid-market positioning and PE-backed growth profile (acquired by Bluestone Capital in 2023).
• One Broker (Norwich-based): UK commercial insurance broker with niche specialisms and direct/online distribution blend. Comparable SME/mid-market commercial focus to Moorhouse Group arm of Atec.

Broad incumbents

• Direct Line Group: UK general insurance incumbent with major home, motor and commercial lines. Provides market context for scale, capital base, and data assets Atec needs to compete against, though offers less specialization in non-standard niche.
• Admiral Group: UK personal lines giant covering home, motor and travel with strong price comparison channel relationships. Represents the scaled incumbent benchmark for the consumer-facing brand portfolio Atec operates (InsureMy, Compare brands).
• Aviva: UK's largest insurer with broad personal and commercial lines, including significant non-standard property exposure. Notable because Aviva also backs Atec's Prestige Notional product via capacity partnership — dual role as incumbent and capacity provider.

Emerging players

• Loadsure: UK insurtech MGA specializing in niche commercial cargo/freight insurance with digital-only distribution. Comparable emerging insurtech MGA model and UK base, though focused on different product niche.
• Accelerant: Data-enabled MGA platform empowering specialty underwriters with capacity and analytics. Comparable platform-based approach to risk-bearing distribution, though US-headquartered and broader in scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Atec Group