What Blue Insurance does

Blue Insurance is an Irish-owned, Dublin-headquartered online insurance intermediary founded in October 2003 by Ciaran Mulligan and Rowan Devereux, operating under the legal name Cover-More Blue Insurance Services Limited. Since October 2018, the company has been a wholly-owned subsidiary of Cover-More Group, which itself became part of Zurich Insurance Group in 2017. The firm sells a portfolio of niche retail insurance products — Travel, Pet, Car Hire Excess, Gadget, Home, Car, Motor Breakdown, and Wedding insurance — to individual consumers and families in Ireland, the United Kingdom, and Australia, supported by a network of vertical-specific sub-brand domains (Multitrip.com, Carhireexcess.com, Gadgetinsurance.com, Petinsurance.ie, Weddinginsurance.ie).

The business operates a web-based insurance platform offering self-serve online quoting and policy purchase, supplemented by an inbound call centre and an agent/broker portal (agentportal.blueinsurance.ie) used by insurance intermediaries and travel agents/tour operators in Ireland and the UK. Underwriting is carried out by partner carriers including Sava Insurance Company Limited for pet insurance and NEWLINE EUROPE VERSICHERUNG AG for car hire excess, while claims handling is outsourced to specialist administrators (Davies Group for gadget and pet claims, MAWDY for travel claims). The firm is regulated by the Central Bank of Ireland and authorised by the UK Financial Conduct Authority, with WCAG 2.2 Level AA accessibility compliance on its digital properties.

Revenue is generated primarily through insurance premiums across product lines, with pricing structured as annual subscriptions for travel, pet and motor lines; annual or pay-as-you-go usage-based pricing for car hire excess; and monthly subscriptions for gadget cover. Distribution combines direct-to-consumer online sales, a broker and travel-agent intermediary channel, and inbound phone-based sales and service. Blue Insurance employs 80+ staff across Dublin headquarters, a Dublin operations/claims office, and a Uxbridge (UK) office, and has accumulated multiple industry awards including Deloitte Best Managed Company (Gold) across six consecutive years and a long-running streak of Irish, Northern Irish, and Australian travel industry recognitions.

Name

Blue Insurance

Legal name

Cover-More Blue Insurance Services Limited

Website

https://blueinsurance.ie

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Blue Insurance is a Dublin-headquartered online insurance intermediary, founded in 2003 and now part of Cover-More Group (Zurich Insurance Group), selling niche retail insurance products — travel, pet, car hire excess, gadget, home, car, motor breakdown and wedding — to individual consumers across Ireland, the UK and Australia through direct online, broker and call-centre channels.

Ownership category

akta.pro rank

Product category

Niche Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

Keywords

• Travel insurance
• Pet insurance
• Car hire excess insurance
• Gadget insurance
• Niche insurance broker

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Blue Insurance generates revenue primarily through insurance premiums across multiple product lines including travel, car hire excess, pet, gadget, home, car, motor breakdown, and wedding insurance. Revenue comes from annual or single-trip policy purchases with pricing based on risk factors and coverage levels.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Blue Insurance is an Irish online insurance broker offering a portfolio of niche insurance products including travel, pet, car hire excess, gadget, home, car, motor breakdown, and wedding insurance. Products are sold directly to consumers online and through broker/travel-agent networks in Ireland and the UK.

Product overview

Blue Insurance is an online insurance broker offering a portfolio of niche insurance products across Travel, Pet, Car Hire Excess, Gadget, Home, Car, and Motor Breakdown categories. The company operates through its main Blue Insurance brand as well as subsidiary brands including Multitrip.com (travel), Carhireexcess.com, Gadgetinsurance.com, Petinsurance.ie, and Weddinginsurance.ie. Pet Insurance is offered in three tiers: Essential (accident-only), Premier (time-limited illness and injury), and Premier Plus (lifetime cover). The products are primarily distributed online with call centre support. In October 2018, the company became part of Cover-More Group, which is part of Zurich Insurance Group.

Differentiator

Problem solved

Functional benefit

Brands

• Petinsurance.ie: Pet insurance brand offering dog and cat insurance with Essential, Premier, and Premier Plus cover levels. Launched in August 2010.
• Multitrip.com
• Carhireexcess.com
• Gadgetinsurance.com
• Weddinginsurance.ie

Products and services

• Travel Insurance Annual Multi Trip, Single Trip, and Backpacker travel insurance policies providing medical, cancellation, and baggage coverage for Irish residents traveling abroad, including Covid-19 related benefits.
• Pet Insurance Insurance for dogs and cats offering three cover levels: Essential (accident-only), Premier (illness and injury, time-limited), and Premier Plus (lifetime cover). Covers veterinary fees, third-party liability, and optional travel cover.
• Car Hire Excess Insurance Insurance covering excess charges when rental vehicles are damaged, offering European and Worldwide cover options with daily and annual policies.
• Gadget Insurance Insurance covering mobile phones and electronic gadgets against accidental damage, liquid damage, and theft for devices under 12 months old.
• Home Insurance Buildings and contents insurance for private homeowners and tenants, covering fire, storm, flood, theft, and other risks.
• Car Insurance Private car insurance with 1-year and 2-year cover options for Irish residents meeting specific eligibility criteria.
• Motor Breakdown Insurance Emergency roadside assistance and breakdown cover for vehicles, available for Irish travel and Continental assistance.
• Wedding Insurance Insurance covering wedding cancellation, rearrangements, and related costs due to unforeseen circumstances.

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Sava Insurance Company LimitedcoreTechnology or IntegrationPet insurance underwritten by Sava Insurance Company Limited, Ulica Eve Lovše 7, SI-2000 Maribor, Slovenia. Regulated by the Insurance Supervision Agency of Slovenia and passported on freedom of service to the Republic of Ireland.
• Burns & Wilcox Global Solutions Europe B.V.coreTechnology or IntegrationPet insurance arranged and administered by Cover-More Blue Insurance Services Limited and underwritten by Burns & Wilcox Global Solutions Europe B.V. for and on behalf of the insurer, Zavarovalnica Sava d.d. ('Sava').
• Davies Group LimitedcoreImplementation/ SI/ Consulting PartnerDavies Group Limited is the claims administrator for Gadget Insurance Claims. Claims can be registered through their online portal or by phone/email.
• Davies Group LimitedcoreImplementation/ SI/ Consulting PartnerDavies Group Limited handles pet insurance claims. Claims office located at 10B Beckett Way, Parkwest Business Park, Dublin 12.
• MAWDY Travel ClaimscoreImplementation/ SI/ Consulting PartnerMAWDY Travel Claims handles travel insurance claims. Contact: 091 560 619. Claims form available for download and submission via email or post.
• NEWLINE EUROPE VERSICHERUNG AGcoreTechnology or IntegrationCar Hire Excess Insurance underwritten by NEWLINE EUROPE VERSICHERUNG AG, a company registered in Germany. Online claims portal available through defend-online.eu.
• Brokers IrelandminorChannel Partner/ Reseller/ DistributorIrish Broker Association partnership displayed through logo on website.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Others

• Zurich Insurance Group: Global multi-line insurer that owns Cover-More Group (Blue's parent). Comparable as the ultimate parent and provider of capital, reinsurance, and regulatory infrastructure underpinning Blue's underwriting partnerships.
• Cover-More Group: Parent company of Blue Insurance (since October 2018). Cover-More is a Sydney-headquartered global travel insurance, medical assistance, and employee assistance provider, part of Zurich Insurance Group since 2017, and the third-largest travel insurer globally — directly comparable in product mix and customer base, but operates as the acquirer/parent rather than a competitor.

Direct peers

• World Nomads: Australia-headquartered travel insurance specialist serving backpackers, gap-year travellers, and adventure travellers globally. Closely comparable to Blue's travel insurance line in product design (single-trip, multi-trip, backpacker tiers) and D2C online distribution model.
• Staysure: UK specialist insurer focused on over-50s travel, pet, and home insurance distributed via call centre and online. Comparable niche-specialist positioning, multi-line portfolio, and D2C plus inside-sales channel mix.
• Many Pets (formerly Bought By Many): UK-direct pet insurance provider offering lifetime, time-limited, and accident-only cover for dogs and cats, with tiered Premier / Premier Plus products. Direct overlap with Blue's Petinsurance.ie tiered offering (Essential, Premier, Premier Plus) and D2C model.
• AllClear Travel Insurance: UK specialist travel insurance provider focused on customers with medical conditions and over-50s. Direct comparable to Blue's Multitrip.com / travel insurance proposition in the UK & Ireland market, with similar D2C and broker distribution.

Broad incumbents

• Aviva Ireland: One of Ireland's largest composite insurers offering home, car, travel, health, and life products through broker and direct channels. Overlaps with Blue across multiple product lines but as part of a much larger broadline portfolio.
• AXA Ireland: Large multi-line insurer in Ireland and the UK offering home, car, travel, and pet cover via brokers and direct. Comparable product breadth to Blue but as a generalist incumbent rather than a niche specialist.

Regional players

• An Post Insurance: Irish postal-service insurance brand offering home, car, travel, and pet cover to Irish consumers. Comparable Irish-market specialist with multi-line insurance portfolio and trusted consumer brand, though distribution is postal/retail rather than pure D2C.
• FBD Insurance: Irish-domiciled general insurer focused on farm, business, and personal lines (home, car, travel). Direct Irish-market competitor to Blue's home, car, and travel offerings, with a strong broker-led distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/_blue_insurance
• YouTubeyoutube.com/channel/UCttM9K1_dRdoscTNgjGnU4Q
• Facebookfacebook.com/blueinsuranceireland
• LinkedInlinkedin.com/company/blue-insurances

Compliance5 records

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&A

Investments

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

Frequently asked questions about Blue Insurance