PayingTooMuch

What PayingTooMuch does

PayingTooMuch is a UK-focused travel insurance price comparison website that aggregates quotes from a panel of 16+ insurance providers to help consumers compare and purchase travel insurance online or by phone. The platform operates as a trading name of TICORP Limited (registered in Gibraltar and regulated by the Gibraltar Financial Services Commission, FCA FRN 663617) and is administered by Eclipse Financial Management Limited (FCA FRN 535496). Since 2021, PayingTooMuch has been part of Staysure Group Limited, alongside related brands including Staysure, Avanti Travel Insurance, Rock Insurance, Petgevity, Wapp, and Staysure Expat.

The core product is a web-based comparison engine (aggregator.payingtoomuch.com) where customers input trip, destination, age, and medical-condition details and receive quotes from multiple panel insurers. Product breadth spans single trip, annual multi-trip, long stay, cruise, and winter sports insurance, with destination-specific options for Europe and worldwide travel. The company's stated specialization is serving travelers with pre-existing medical conditions (cancer, heart conditions, diabetes, epilepsy) and older age groups (Over 50s through Over 80s), segments that face limited options or elevated premiums in the mainstream market.

Revenue is generated primarily through affiliate commissions paid by insurance providers when customers purchase policies through the comparison platform, supplemented by a £15 phone-admin fee for policy changes. The service is free to consumers. Distribution is overwhelmingly digital (self-serve comparison website supplemented by content marketing and SEO), with phone-based sales and customer support during extended UK hours. As of 8 October 2025, the operating model was restructured so that policies purchased on or after that date are serviced directly by the underlying insurer rather than through the PayingTooMuch platform, with legacy policies retained under prior terms. The company is privately held, does not disclose financials, and operates primarily in the UK with ancillary presence in Ireland, Spain, and Gibraltar.

Name

PayingTooMuch

Legal name

TICORP Limited

Website

https://payingtoomuch.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

PayingTooMuch is a UK travel insurance price comparison website, trading as TICORP Limited and part of Staysure Group, that compares quotes from 16+ panel insurers for individual consumers, specializing in coverage for pre-existing medical conditions and older travelers.

Ownership category

akta.pro rank

Product category

Travel Insurance Comparison

NAICS

Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Travel Insurance Distribution & APIs (THALALAA)

Keywords

• Travel insurance comparison
• Insurance price comparison
• Medical travel insurance
• Travel insurance aggregator
• Insurance quote platform

Headquarters

HQ city

Northampton

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from insurance providers: The comparison service is free for customers to use. When customers compare and purchase a policy through the PayingTooMuch website, the company receives a commission payment from the insurer chosen by the customer. This is the primary revenue stream.
2. Phone admin fees: A £15 admin fee may be charged for making changes to policies over the phone. Online changes can be made without additional charge through My Staysure portal.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

PayingTooMuch operates a free travel insurance price comparison platform that lets UK consumers compare quotes from multiple panel insurers and purchase cover online or via phone. It specializes in policies for travelers with pre-existing medical conditions (cancer, heart conditions, diabetes, epilepsy) and older age groups (Over 50s, 60s, 70s, 80s), offering single trip, annual multi-trip, long stay, cruise, winter sports, Europe, and worldwide options.

Product overview

PayingTooMuch is a travel insurance price comparison platform that aggregates quotes from multiple insurance providers on its panel. The core product is the comparison aggregator engine, which users access online or by phone to compare and purchase travel insurance. The platform offers various insurance product types (single trip, annual multi-trip, long stay) with optional add-on modules for specialized coverage including cruise cover, winter sports cover, and pre-existing medical conditions coverage. The company also provides destination-specific products for Europe and worldwide travel, targeting segments including families, seniors, and travelers with pre-existing medical conditions.

Differentiator

Problem solved

Functional benefit

Products and services

• Travel Insurance Comparison Platform Price comparison platform that aggregates quotes from multiple panel insurance providers so UK consumers can compare and purchase travel insurance online or via phone, including cover for pre-existing medical conditions and older travelers.
• Single Trip Travel Insurance Travel insurance policy covering a single trip, with options for European and worldwide destinations, including cover for pre-existing medical conditions.
• Annual Multi-Trip Travel Insurance Annual policy covering multiple holidays within a 12-month period, providing ongoing protection for frequent travelers.
• Long Stay Travel Insurance Extended coverage policy designed for travelers staying abroad for longer periods beyond standard trip durations.
• Cruise Travel Insurance Specialist cruise cover including missed port cover, cabin confinement, and cruise-related disruptions, available as a standalone cruise policy.
• Winter Sports Travel Insurance Specialized coverage for skiing, snowboarding, and other winter sports activities, including equipment protection and piste closure cover.
• Pre-existing Medical Conditions Travel Insurance Travel insurance for travelers with declared pre-existing medical conditions such as cancer, heart conditions, diabetes, and epilepsy, available across all age groups.
• Europe Travel Insurance Travel insurance tailored for European destinations, covering EU member states and popular holiday countries with appropriate medical and cancellation protection.
• Worldwide Travel Insurance Global travel insurance coverage with options for worldwide including or excluding USA, Canada, and Caribbean destinations.
• Family Travel Insurance Travel insurance policy designed for family travel needs, covering multiple family members under one policy.
• Pregnancy Travel Insurance Specialized travel insurance cover for expecting mothers traveling during pregnancy.

Quantifiable outcome

• 10% of consumers could save up to £139.08 on their annual travel insurance policy with PayingTooMuch

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core.

• A to Z CovercoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• AllSafecoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• Clear4TravelcoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• Direct Travel TIcoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• Direct2InsurancecoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• Fit2TravelcoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• FlexicovercoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• HolidayRiskcoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• InsureMe4coreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products. Part of Staysure Group Limited.
• Leisure GuardcoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• M&S Travel InsurancecoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• OK To TravelcoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• Travel Insurance MedicalcoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel. Part of Staysure Group Limited, specializing in travel insurance.
• TopDog InsurancecoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• VibecoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel offering travel insurance products through the platform
• Avanti GocoreChannel Partner/ Reseller/ DistributorInsurance provider on PayingTooMuch comparison panel. Part of Staysure Group Limited.
• Staysure Group LimitedcoreOthersPayingTooMuch is a trading name of TICORP Limited which is part of Staysure Group Limited. The group includes Staysure, Avanti Travel Insurance, Rock Insurance, Petgevity, Wapp, and Staysure Expat brands.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Compare the Market: One of the UK's largest general insurance price-comparison platforms, directly competing with PayingTooMuch on travel insurance quotes and panel aggregation, with far broader marketing reach and a multi-vertical offering.
• GoCompare: Major UK insurance and travel comparison platform (part of Future plc) directly competing for the same travel insurance customer via a panel-aggregator model with strong brand recognition.
• MoneySupermarket: Leading UK price-comparison website operating in insurance, travel and financial services; directly comparable to PayingTooMuch on travel insurance comparison and aggregator-led distribution.
• Confused.com: Established UK insurance price-comparison site (owned by Admiral Group) directly competing with PayingTooMuch for travel insurance quotes from a panel of providers, with similar affiliate-commission economics.
• AllClear Travel Insurance: UK specialist travel insurance provider focused on pre-existing medical conditions and older travelers — the closest direct specialist competitor to PayingTooMuch's primary niche, offering both direct cover and comparison-style servicing.
• InsureandGo: UK travel insurance provider and aggregator serving leisure, family, cruise and over-50s segments; competes with PayingTooMuch on panel-driven travel insurance distribution.
• Saga Travel Insurance: UK insurer and travel insurance provider specifically targeting the over-50s demographic — directly overlapping with PayingTooMuch's senior segment and competing for the same specialist older-traveler pool.

Broad incumbents

• Staysure: Sister brand within Staysure Holdings Limited and owner of several panel providers surfaced on PayingTooMuch; provides specialist travel insurance (especially for over-50s and medical conditions) and shares corporate parentage, group infrastructure and customer base.
• Avanti Travel Insurance: UK specialist travel insurance brand also part of the Staysure Group, offering over-50s and medical-condition cover; comparable specialist positioning and shared group economics with PayingTooMuch.
• Admiral Travel Insurance: UK multi-line insurer offering travel insurance as part of a wider portfolio; a broader incumbent that competes on panel pricing and direct distribution for travel insurance customers that PayingTooMuch also targets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/StaysureGroup
• Xx.com/PayingTooMuchCo
• LinkedInlinkedin.com/company/payingtoomuch-com

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 PayingTooMuch