Riviera Insurance Services

What Riviera Insurance Services does

Riviera Insurance Services is a UK-based insurance broker headquartered in Torquay, Devon, operating under the legal entity Riviera Insurance Service Limited (FCA FRN 786116, England company number 09827823). Founded in 2015, the company operates as an intermediary, searching across a large panel of UK insurers (up to 30 leading UK underwriters for home) to source quotes for customers across personal and commercial lines. The product portfolio spans 50+ lines across four primary categories: personal motor (car, classic car, convicted driver, short-term, learner driver, minibus, sports car, motorhome, campervan, American RV, GAP, van), property (home, landlord, HMO, listed property, non-standard home, Airbnb/holiday let, barn conversion, renovation, executor, unoccupied, JCT, rent guarantee), other personal lines (life, pet, travel, wedding, cycle), taxi and transport (taxi, fleet, Uber, chauffeur, PSV, hire and reward), and commercial business (fleet, motor trade, commercial, contractors all risk, cyber, hotel, liability, professional indemnity, pub/restaurant, SME, jewellers' block). The company emphasizes specialist niches such as convicted driver, HMO, listed property, and American RV insurance that are underserved by mainstream aggregators.

The firm's core technology is a proprietary broker platform combining quote aggregation across a UK insurer panel, a secure customer portal, and a mobile application (iOS and Android) for policy management, document uploads, and claims reporting. Distribution operates through a multi-channel model: phone sales (01803 659111), online quote forms, a physical walk-in office on Union Street in Torquay, the mobile app, and a referral partnership with GoShorty for short-term and learner driver insurance. Marketing is led by SEO-optimized product pages (50+ URLs) and a presence on Facebook, Instagram, Twitter/X, and LinkedIn. The company earns commission on policies placed with underlying insurers, with quote-based pricing (no public disclosure) and flexible monthly instalment options for customers. Customer reviews are strong at 4.7-4.8 stars across 600-1,206 reviews per product page, supporting a brand reputation built on personal service and specialist access for non-standard risks.

Name

Riviera Insurance Services

Legal name

Riviera Insurance Service Limited

Website

https://rivierainsurance.co.uk

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Riviera Insurance Services is a UK-based FCA-regulated insurance broker (founded 2015, Torquay) that aggregates quotes across a large panel of UK insurers for 50+ personal and commercial lines, including specialist niches such as taxi, HMO, convicted driver, and listed property insurance, serving individual consumers and SMEs via phone, online, mobile app, and walk-in channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Travel Insurance Coordination (HSACAKAI), Fine Art, Jewelry & Specie (FSAJAGAL)

Keywords

• Insurance brokerage
• Motor insurance
• Commercial insurance
• Property insurance
• Taxi insurance

Headquarters

HQ city

Torquay

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an insurance broker, Riviera Insurance earns commission from insurance providers on policies sold through their panel of insurers. Customers pay premiums for motor, property, travel, pet, business and other insurance lines, with the company receiving a commission from the underlying insurer.
2. Short-Term/Temporary Insurance: Offers short-term insurance products (day/short-term car insurance, learner driver insurance) through partner GoShorty, with 1 hour to 28 days of coverage available.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Riviera Insurance Services is a UK-regulated insurance broker that arranges personal, commercial and taxi/private-hire insurance contracts on behalf of customers from a large panel of UK insurers. It distributes both standard lines (car, home, van, travel, commercial combined) and specialist/non-standard classes (convicted driver, learner driver, classic car, motorhome, HMO, listed property, unoccupied, motor trade, taxi, professional indemnity, cyber) through online quote journeys, telephone advice, and a customer mobile app.

Product overview

Riviera Insurance Services is a Torquay-based insurance broker offering a comprehensive portfolio of insurance products through a multi-category platform architecture. The company operates as an insurance intermediary, searching across a large panel of UK insurers to provide competitive quotes. The product portfolio spans five main categories: Personal Insurance (including motor vehicle insurance such as car, classic car, convicted driver, learner driver, day/short-term, minibus, sports car, motorhome, campervan, and GAP insurance, plus property insurance including home, landlord, HMO, listed property, non-standard home, barn conversion, renovation, executor, unoccupied, Airbnb/holiday let, and JCT insurance, as well as life, pet, travel, wedding, and cycle insurance); Business and Commercial Insurance (including fleet, motor trade, commercial, contractors all risk, cyber, hotel, liability, professional indemnity, pub/restaurant, SME, and jewellers block insurance); and Taxi Insurance (including standard taxi, minibus, Uber, fleet, chauffeur/executive hire, PSV, and hire and reward). Additional platforms include a partner-powered short-term insurance offering via GoShorty for temporary and learner driver coverage, and a mobile app for iOS and Android enabling policy management and claims reporting.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 4.7 out of 5 stars from 1,206 reviews (Car Insurance page)
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Large Panel of UK Insurance CompaniescoreChannel Partner/ Reseller/ DistributorRiviera Insurance works with a large panel of UK insurance companies to source and compare quotes for personal and commercial insurance products. For home insurance specifically, they work with up to 30 leading UK underwriters.
• GoShortyminorChannel Partner/ Reseller/ DistributorGoShorty is a temporary vehicle insurance specialist providing short-term car insurance (1 hour to 28 days) and learner driver insurance (1 hour to 24 weeks). Founded in 2020, regulated by the FCA and member of BIBA. Riviera refers customers to GoShorty for these specific products via tracked URLs.
• Financial Ombudsman Service (FOS)coreOthersRiviera Insurance is covered by the Financial Ombudsman Service (FOS). Private customers and micro-enterprises may pursue complaints with the FOS if the company cannot resolve them directly.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Others

• Compare the Market: UK price comparison aggregator placing motor, home, and travel insurance. Relevant as a primary distribution alternative that competes for the same inbound customer queries that Riviera monetises via SEO.
• Quotezone / MyPolicyShop: UK insurance aggregator and comparison platform. Relevant as a digital distribution channel that competes with Riviera's SEO-driven lead acquisition across motor, home, and commercial lines.

Emerging players

• Bikesure / Footman James (Brightside Group): Specialist UK brokers for motorcycles, classic vehicles, and modified cars. Comparable to Riviera's specialty motor niche and a candidate peer for the enthusiast and non-standard customer segment.
• GoShorty: UK specialist short-term and learner driver insurance provider. Both a Riviera referral partner and a partial competitor for short-duration cover in the same end-customer segment.

Direct peers

• Carole Nash: Specialist UK broker for classic cars, motorcycles, and performance vehicles with agreed-value policies. Comparable to Riviera's classic car, sports car, and motorhome product lines, including specialist cover for enthusiasts.
• Adrian Flux: UK specialist insurance broker based in East Anglia with deep expertise in non-standard motor (classic, modified, imported, performance, convicted drivers) and home cover. Highly comparable to Riviera's specialty motor and non-standard property book.
• Performance Direct: Specialist UK broker for performance, sports, modified, and imported cars. Closely comparable to Riviera's sports and performance car insurance and convicted-driver niches.

Broad incumbents

• Swinton Group: Long-established UK high-street insurance broker offering personal motor, home, and commercial lines through a national branch network. Comparable as a UK multi-line broker with personal service positioning, though materially larger and less specialty-focused than Riviera.
• Howden Insurance Brokers (UK): Large UK insurance broker with growing specialty and personal lines presence. Comparable as a multi-line broker but operating at vastly greater scale, with several regional acquisitions in the South West over recent years.
• Hastings Direct: UK direct and price-comparison motor and home insurer/broker. Overlaps with Riviera across personal motor and home but competes via digital-first distribution rather than advisor-led service.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/rivierainsure
• Facebookfacebook.com/rivierainsurance
• LinkedInlinkedin.com/company/riviera-insurance-services-limited
• Instagraminstagram.com/rivierainsurance/?hl=en

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Riviera Insurance Services