ROCK Insurance Group

What ROCK Insurance Group does

ROCK Insurance Group, founded in 2001 and headquartered in Crawley, UK, is a B2B insurance technology company that provides white-label travel insurance platforms and end-to-end fulfillment services to non-insurance brands. The company operates as a trading style of Rock Insurance Services Limited (Company No. 04255878), an FCA-authorised intermediary (FCA No. 300317), and was acquired by The Staysure Group in 2021 while continuing to operate as a standalone insuretech business.

The company's core technology is the Accelerate e-commerce platform, offered in two variants: Accelerate, an out-of-the-box white-label solution prioritising speed to market, and Accelerate+, a fully customisable version prioritising brand-specific customer experience and product design. The platform integrates quote-to-buy journeys, a self-service customer portal, medical screening via API under Healix protocols, and claims handling. Pricing is powered by the Earnix AI-driven rating engine, which performs real-time underwriting and dynamic pricing across millions of offers per day, with performance monitoring delivered through Microsoft PowerBI dashboards refreshed every 15 minutes. Underwriting risk is placed primarily with AXA Partners.

ROCK's business model is a B2B platform-plus-services model. Revenue is generated through insurance intermediation commission on premiums arranged (ROCK handles approximately £112 million in annual premium, generating 2.8 million policies and 10.5 million quotes per week) and through technology/platform fees for white-label delivery. Customer segments are segmented by vertical: established and challenger banks (Barclays, Co-operative Bank), retail brands entering financial services (Tesco, M&S), travel agents (high-street and online, including ABTA members and On The Beach), airlines and tour operators (Jet2holidays, TUI), and independent personal travel advisers. The company holds an estimated 9.5% UK travel insurance market share.

Name

ROCK Insurance Group

Legal name

Rock Insurance Services Limited

Website

https://rockinsurance.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

ROCK Insurance Group is a UK-based B2B insurtech providing white-label travel insurance platforms (Accelerate and Accelerate+) and end-to-end fulfillment services to banks, retailers, travel agents, airlines, and tour operators under their own brands.

Ownership category

akta.pro rank

Product category

Travel Insurance Platform

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

B2B OTA/White-Label Booking Platforms & Affiliate Networks (THAKAAAO)

akta.pro secondary industry

White-Label Booking Engine Platforms (SaaS/Widget) (THALADAN)

Keywords

• White-label insurance
• Travel insurance platform
• Insurance distribution technology
• Embedded insurance solutions
• Insurance intermediary services

Headquarters

HQ city

Crawley

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. White-label Insurance Platform Fees: ROCK provides technology, product, and fulfillment solutions to enable brands to enter travel insurance markets. Revenue appears to come from platform fees and/or commission arrangements with partner brands based on premiums generated.
2. Insurance Intermediation Commission: As an FCA-authorised insurance intermediary (FCA No. 300317), ROCK earns commission from insurers for arranging travel insurance policies on behalf of partner brands.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

ROCK Insurance Group provides a white-label e-commerce insurance platform (Accelerate) and full back-office fulfillment services that enable partner brands to launch and operate travel insurance propositions under their own brand. The platform covers the entire customer journey — quoting, underwriting, medical screening, policy management, claims handling, contact centre support, and analytics — and is offered in two variants: Accelerate for rapid speed-to-market deployment and Accelerate+ for fully customisable brand and product experiences.

Product overview

ROCK Insurance Group provides a platform-plus-services model centered on the Accelerate e-commerce platform (offered in two variants: Accelerate for speed-to-market and Accelerate+ for full customization). The platform handles end-to-end travel insurance purchasing and fulfillment, from quote through policy management to claims. Surrounding the platform is a comprehensive service offering including strategic advice, marketing intelligence, product design, pricing strategy, underwriting, claims handling, medical screening, contact center services, and data analytics. Historical sub-brands include insurefor.com (direct proposition), gadgetbuddy.com (gadget insurance), ROCK Commercial, and Opera Underwriting.

Differentiator

Problem solved

Functional benefit

Products and services

• Accelerate An out-of-the-box e-commerce white-label solution that enables partner brands to purchase and fulfill tailored travel insurance products. Designed for brands whose priority is speed to market — partners rebrand and go live quickly with the proven Accelerate platform handling quote, buy, policy management, and claims.
• Accelerate+ A fully customisable e-commerce white-label solution that enables partner brands to shape every aspect of customer experience and product design to the specific needs of their target audience. Designed for brands whose priority is customisation over speed-to-market.

Quantifiable outcome

• Partner brands achieved 42% year-on-year revenue growth in 2023 through ROCK's marketing approach
• +4 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

19 partnerships are on record, tiered core.

• M&ScoreChannel Partner/ Reseller/ Distributor · 1 January 2026M&S partnered with ROCK from 2026 to provide travel insurance products through their retail and financial services channels.
• The Automobile Association (AA)coreChannel Partner/ Reseller/ Distributor · 1 January 2023AA partnered with ROCK in 2023 to provide travel insurance to their members. ROCK enables AA to offer insurance products through their established customer base.
• ABTAcoreChannel Partner/ Reseller/ Distributor · 1 January 2022ABTA partnered with ROCK in 2022 as a travel insurance partner, providing insurance solutions to ABTA member travel agencies and their customers.
• BarclayscoreChannel Partner/ Reseller/ Distributor · 1 January 2022Barclays partnered with ROCK in 2022 to offer travel insurance products to their banking customers, providing additional financial services products.
• Ramsay World TravelcoreChannel Partner/ Reseller/ Distributor · 1 January 2022ROCK arranged travel insurance policies for Ramsay World Travel between 07/2022 and 07/2026. Policies continue to be administered by ROCK.
• TUIcoreChannel Partner/ Reseller/ Distributor · 1 January 2021TUI has partnered with ROCK since 2021 to offer travel insurance integrated with holiday bookings through the Accelerate platform.
• Dawson & SandersoncoreChannel Partner/ Reseller/ Distributor · 1 January 2021ROCK arranged travel insurance policies for Dawson & Sanderson between 01/2021 and 05/2026. ROCK continues to administer these policies.
• NetflightscoreChannel Partner/ Reseller/ Distributor · 1 January 2020ROCK arranged travel insurance policies for Netflights (Gold Medal Travel Group) between 04/2020 and 02/2026. Policies continue to be administered by ROCK.
• On The BeachcoreChannel Partner/ Reseller/ Distributor · 1 January 2019On The Beach has partnered with ROCK since 2019 to offer travel insurance alongside their beach holiday bookings through an integrated online purchase experience.
• TravelbagcoreChannel Partner/ Reseller/ Distributor · 1 January 2019ROCK arranged travel insurance policies for Travelbag between 04/2019 and 02/2026. Policies continue to be administered by ROCK.
• Your Co-op TravelcoreChannel Partner/ Reseller/ Distributor · 1 January 2019ROCK arranged travel insurance policies for Your Co-op Travel (Midcounties Co-operative) between 04/2019 and 01/2026. Policies continue to be administered by ROCK.
• Barrhead TravelcoreChannel Partner/ Reseller/ Distributor · 1 January 2018ROCK arranged travel insurance policies for Barrhead Travel between 01/2018 and 07/2026. ROCK continues to administer these policies under their original terms.
• BikmocoreChannel Partner/ Reseller/ Distributor · 1 January 2018ROCK arranged non-competitive travel insurance policies for Bikmo between 07/2018 and 07/2026. Policies continue to be administered by ROCK.
• The Co-operative BankcoreChannel Partner/ Reseller/ Distributor · 1 January 2017Long-standing partnership since 2017 where ROCK provides travel insurance solutions for The Co-operative Bank's customers, offering insurance as a financial services product.
• Jet2holidayscoreChannel Partner/ Reseller/ Distributor · 1 January 2014Jet2holidays has partnered with ROCK since 2014 for travel insurance propositions. ROCK provides the technology platform, product design, and fulfillment services enabling Jet2holidays to offer travel insurance under their brand.
• Leisure Guard InsurancecoreChannel Partner/ Reseller/ Distributor · 1 January 2013Partnership since 2013 with Leisure Guard Insurance (Leisure World Development Ltd) for travel insurance distribution.
• EarnixcoreTechnology or IntegrationEarnix provides AI-driven rating engine for real-time underwriting analysis and pricing. This technology enables dynamic pricing optimisation across millions of offers per day, advanced modelling of conversion rates, demand, and elasticity.
• HealixcoreTechnology or IntegrationHealix provides medical screening protocols and standards. ROCK's medical screening process follows recognised Healix standards to ensure quality care and accuracy in assessing pre-existing medical conditions.
• AXA PartnerscoreOthersAXA serves as the underwriter for many of the travel insurance policies administered by ROCK. ROCK works with AXA for claims handling and policy administration across multiple partner brands.

Scale indicators8 records

Recent moves15 records

Expansion highlights5 records

Direct peers

• Staysure Group: ROCK's parent company and the UK's largest dedicated travel insurance group; directly overlaps in white-label and direct travel insurance distribution and underwriting, making it the most directly comparable peer even within the corporate structure.
• InsureandGo: UK travel insurance brand operating on a similar aggregator-led and white-label-friendly model; competes for the same partner relationships and direct consumers in the UK travel insurance value chain.
• AllClear Travel Insurance: UK specialist travel insurance provider, particularly for medical-condition customers; competes in the same niche underwriting and aggregator-distribution segments that ROCK's platform powers.
• World Nomads: Globally recognized travel insurance brand with strong white-label and partner-channel DNA; comparable because of its digital-first travel-insurance distribution and partner-led model.
• Coverwise: UK travel insurance specialist selling through aggregator and direct channels; competes for similar UK end-customers and partner-led distribution.
• Holidaysafe: UK-focused travel insurance intermediary with white-label and affiliate distribution; comparable channel mix and target customers to ROCK's partner propositions.

Broad incumbents

• AXA Partners: Global travel insurance underwriter and assistance provider; underwrites many of ROCK-administered policies and operates competing distribution capabilities, making it both a critical supplier and an alternative for partners.
• Allianz Travel: One of the largest global travel insurance underwriters and assistance brands; competes with ROCK at the underwriting and partner-distribution layer with a much broader geographic footprint.

Emerging players

• Compare the Market: UK insurance aggregator and one of the bottom-of-funnel channels ROCK partners rely on; comparable because aggregator economics directly shape ROCK's conversion rates and partner unit economics.
• Holiday Extras: UK travel ancillary services provider including travel insurance; competes for the same embedded-insurance-at-booking moments in airlines, OTAs, and tour operator sites that ROCK's platform targets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/rockinsurance
• LinkedInuk.linkedin.com/company/rock-insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 ROCK Insurance Group