Trinity Claims

What Trinity Claims does

Trinity Claims (legal entity TrinityM Limited, registered in England and Wales, company number 5033329) is a UK-based third-party administrator specializing in household and motor insurance claims. It operates as the dedicated claims handling service for its sister company Policy Expert, managing the end-to-end claims journey from first notification of loss through surveying, property reinstatement, and settlement. The company employs approximately 260 insurance professionals in the UK and is headquartered in Tonbridge, with field-service coverage delivered through both employed staff (surveyors, technicians) and a six-region supplier and surveyor partner network spanning the North West, North East, Midlands & Wales, East Anglia, South East & London, and the West Country.

The underlying technology stack centers on a proprietary claims management platform augmented by AI-powered email routing and allocation, an online customer portal for policyholders, body-worn cameras for field operatives with PIN-controlled, DPO-gated footage access, and Xactware (Verisk) integration for building estimation and pricing. A separately branded Trinity First Response (TFR) arm handles first-response mitigation, drying, and emergency repairs, and a Trinity Academy runs apprenticeships and Cert CII training for staff development.

Commercially, Trinity generates revenue through managed services agreements with insurance carriers (in practice, principally Policy Expert) for outsourced claims handling. Pricing is not publicly disclosed; policyholders do not pay Trinity directly, with costs absorbed into underlying policy pricing. The go-to-market combines a direct B2B relationship with the carrier client, multi-channel policyholder access (phone, email, online portal, post), and earned-media positioning through partnerships such as BBC DIY SOS, which has yielded a British Insurance Award nomination.

Name

Trinity Claims

Legal name

TrinityM Limited

Website

https://trinityclaims.co.uk

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Insurance Claims Management

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Claims Advocacy & Loss Recovery Services (FSAEADAH)

Keywords

• Insurance claims handling
• Motor insurance claims
• Household insurance claims
• Claims management services
• Third party administrator

Headquarters

HQ city

Tonbridge

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Claims Handling Services to Insurance Companies: Trinity Claims provides dedicated claims handling services to its sister company Policy Expert and potentially other insurers. The company handles home and motor insurance claims from notification through resolution, including surveying, property reinstatement, and customer communication. Revenue is generated through service agreements with insurance carriers who outsource their claims handling operations.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Trinity Claims is a UK-based third-party administrator that delivers end-to-end claims handling services for household and motor insurance on behalf of its sister company, Policy Expert. The service spans first notification of loss, surveying and assessment, property mitigation and reinstatement (including fire, flood, and water damage), and complex loss settlement, supported by proprietary claims management technology, AI-powered email routing, an online customer portal, and a regional supplier and surveyor partner network.

Product overview

Trinity Claims is a single-product claims handling service offering, providing dedicated insurance claims processing for Policy Expert. The company specializes in household and motor claims, utilizing proprietary technology combined with traditional customer service approaches. The core product encompasses end-to-end claims management including FNOL (First Notification of Loss), survey assessments, repairs coordination, and complex loss handling. No distinct standalone products, modules, or add-on services are marketed separately—the claims handling service operates as an integrated, unified offering.

Differentiator

Problem solved

Functional benefit

Products and services

• Household and Motor Insurance Claims Handling Service End-to-end claims handling service for home (household) and motor insurance policyholders of Trinity's sister company Policy Expert, covering first notification of loss, surveying and assessment, mitigation (fire, flood, water damage), property reinstatement, and complex loss settlement. Delivered to policyholders through an online portal, phone (0330 0600 633), email, and post, and executed by employed surveyors and technicians together with a UK-wide regional supplier and surveyor partner network.
• Track Your Claim (Online Customer Portal) Self-serve online portal that enables insurance policyholders (and supplier partners) to start or continue a claim, communicate with claims handlers, and track the progress of their household or motor insurance claim end-to-end.

Quantifiable outcome

• DIY SOS claims can be resolved in as little as 14-22 days
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and flagship.

• Policy ExpertcoreStrategic or Co-development PartnerPolicy Expert is Trinity Claims' sister company and primary client. Trinity provides dedicated claims handling services exclusively to Policy Expert for their home and motor insurance policyholders. This is a core internal partnership where Trinity operates as Policy Expert's claims handling division.
• DIY SOS (BBC)flagshipStrategic or Co-development PartnerTrinity Claims handles urgent, high-pressure claims for DIY SOS projects, bringing damaged homes back to life in as little as 14-22 days. This partnership has generated industry recognition and nominations for awards, showcasing complex claims handling capabilities.
• Regional Suppliers and SurveyorscoreChannel Partner/ Reseller/ DistributorQualified suppliers and surveyors across UK regions (North West, North East, Midlands & Wales, East Anglia, South East & London, West Country) deliver field services for Trinity Claims including surveying, fire & flood technician work, and property reinstatement. The company recruits partners who can guarantee works are carried out to a high standard.
• Xactware (Verisk)coreTechnology or IntegrationXactware is used for building estimation and pricing in property claims assessment. James Carey serves as the Xactware product liaison, managing building processes and pricing structures through this integration.
• Trinity First Response (TFR)coreStrategic or Co-development PartnerTrinity First Response (TFR) is the field operations arm handling first response services including mitigation, drying, and emergency repairs. TFR Specialist Services Operations Manager James Kinsey oversees complex claims handling. The two entities work closely together with staff moving between organizations.
• Trinity AcademycoreImplementation/ SI/ Consulting PartnerTrinity Academy provides apprenticeship programs for staff development including PR and Communications apprenticeships and Cert CII insurance qualifications. Tom Harris began a new apprenticeship through Trinity Academy.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Davies Group: UK-headquartered insurance services firm providing claims handling, TPA, and loss adjusting across property, casualty, and specialty lines. Directly comparable as a specialist claims TPA serving UK and international carriers with similar end-to-end claims management.
• Sedgwick: Global claims management, loss adjusting, and TPA business serving insurers, employers, and policyholders. Comparable as a tech-enabled third-party claims administrator with both UK presence and complex loss expertise similar to Trinity's household/motor focus.
• Crawford & Company: Global claims management solutions provider offering property, casualty, and motor claims handling on behalf of insurers. Directly comparable for insurance TPA scale, multi-line capability, and outsourced claims operations.
• Questgates: UK loss adjusting and claims management firm providing specialist claims handling across property, liability, and motor lines. Comparable as a UK-focused claims TPA with similar carrier client base and technical complexity.
• McLarens: Global independent claims services provider offering loss adjusting and claims management to insurers and brokers. Comparable as a third-party claims administrator with property/casualty expertise and carrier-client delivery model.
• Woodgate & Clark: UK loss adjusting and building claims specialist serving insurers on high-value property losses. Directly comparable for household and commercial property claims handling delivered through employed surveyors and contractor networks.
• BELFOR UK: Global property damage restoration and remediation provider serving insurers on fire, flood, and water claims. Comparable for the emergency mitigation, drying, and property reinstatement workflows Trinity delivers through Trinity First Response.
• Polygon (UK): Property damage restoration and claims-related services provider working primarily with insurers. Comparable for the fire, flood, water damage mitigation, and property reinstatement elements of Trinity's claims handling.

Broad incumbents

• Markerstudy Group: UK insurance group operating MGAs and own-brand motor/home insurers with in-house claims functions. Comparable as a UK home/motor insurance carrier that could be a client or competitive in-house alternative to Trinity's outsourced claims model.
• Direct Line Group: Major UK personal lines insurer (home, motor) with in-house claims operations. Comparable as a large UK household/motor carrier that operates captive claims handling at scale, representing both a potential client and a benchmark for in-house operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Trinity Claims