Worldwide Internet Insurance Services

What Worldwide Internet Insurance Services does

Worldwide Internet Insurance Services, now operating as Cover For You Insurance Group Limited, is a Gibraltar-licensed insurance intermediary (FSC Permission 5570, FCA registered 429383) founded in 2001. It distributes travel, gadget and car hire excess insurance to UK consumers through four distinct brand websites — CoverForYou (mainstream), Cedar Tree (premium, Defaqto 4/5-star), Insure&Escape (families with pre-existing medical conditions), and Outbacker (backpackers and gap-year travellers up to age 40) — each targeting a separate customer niche via direct-to-consumer online sales.

The firm's revenue is generated as commission from underwriters (AXA Insurance UK plc, AGA International SA, American International Group UK Limited and Astrenska Insurance Limited) on policies sold through its in-house-designed technology platform. That platform, built and operated internally, supports policy management, customer journeys, detailed risk reporting for underwriters, an industry-first loyalty rewards scheme and a free Hospital Locator mobile app. The firm holds ISO 9001:2015, ISO 27001:2022 and ISO 27701:2019 certifications, employs CII-trained customer service staff, and reports over 10 million lifetime customers insured and a 4.9/5 Feefo Trust Score across 20,000+ independent reviews. The group operates from Gibraltar with three offices and has accumulated multiple industry awards, including Forbes Advisor Best Travel Insurance Provider 2022 and Moneyfacts Travel Insurance Provider of the Year 2025.

Name

Worldwide Internet Insurance Services

Legal name

Cover For You Insurance Group Limited

Website

https://wwiis.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Gibraltar-licensed insurance intermediary operating four UK direct-to-consumer travel insurance brands (CoverForYou, Cedar Tree, Insure&Escape, Outbacker) that distribute travel, gadget and car hire excess cover to distinct consumer segments and earn commission from underwriters.

Ownership category

akta.pro rank

Headquarters

HQ city

Gibraltar

HQ country

Gibraltar

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediary Commissions: The company operates as an insurance intermediary earning commissions from underwriters for policies sold. All policies are underwritten by reputable underwriters including AXA Insurance UK plc, AGA International SA, American International Group UK Limited, and Astrenska Insurance Limited.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Cover For You Insurance Group (formerly Worldwide Internet Insurance Services) operates as an online multi-brand insurance intermediary that distributes specialty consumer insurance products — travel insurance, gadget insurance, and car hire excess insurance — directly to UK and selected European consumers through its proprietary technology platform. The company binds policies on behalf of rated underwriters including AXA, AGA International, AIG UK and Astrenska, earning commissions on each policy, and operates a loyalty rewards programme plus a Hospital Locator app as customer value-adds.

Product overview

Cover For You Insurance Group operates as a multi-brand, multi-product insurance intermediary offering four distinct brands under one platform. The portfolio includes CoverForYou (mainstream Travel, Gadget, and Car Hire Excess Insurance), Cedar Tree (premium travel insurance with Defaqto-rated policies), Insure&Escape (family and high-risk medical specialist travel insurance), and Outbacker (specialist backpacker and gap year travel insurance). The group also provides a free mobile app with hospital locator and operates an industry-first loyalty rewards program. All brands are backed by the company's in-house technology platform, data analysis capabilities, and award-winning customer service.

Differentiator

Problem solved

Functional benefit

Brands

• CoverForYou: Award-winning mainstream brand offering comprehensive Travel, Gadget and Car Hire Excess Insurance. Winner of Best Travel Insurance Provider (Forbes Advisor 2022) and Best Claims Service (Moneyfacts Consumer Awards 2020).
• Cedar Tree
• Insure&Escape
• Outbacker

Products and services

• CoverForYou CoverForYou is the group's flagship consumer brand distributing travel insurance online to UK and European individual travellers, including single-trip and annual multi-trip policies with optional gadget, car-hire excess, and activity extensions.
• Cedar Tree Cedar Tree is a consumer-facing brand in the group portfolio distributing travel insurance online, typically targeted at family and leisure travellers seeking straightforward single-trip or annual multi-trip cover with optional add-ons.
• InsureÉscape (Insure&Escape) Insure&Escape is a consumer-facing brand in the group portfolio distributing travel insurance online, positioned for customers seeking escape/leisure trips with tailored cover options.
• Outbacker Outbacker is a consumer-facing brand in the group portfolio distributing travel insurance online, purpose-built for backpackers, gap-year travellers and long-haul or multi-country adventure trips.
• Gadget insurance Stand-alone and add-on cover for personal electronic devices such as smartphones, laptops, cameras, and gaming consoles, distributed through the group's consumer-facing brand websites to UK and European gadget owners.
• Car hire excess insurance Reimbursement cover for the excess applied by rental companies on damaged or stolen vehicles, distributed through the group's consumer-facing brand websites to UK and European car-hire customers.

Quantifiable outcome

• Over 10 million customers insured using the platform
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• AXA Insurance UK plccoreOthersOne of the primary underwriters for policies sold by Cover For You Insurance Group. AXA is regulated by the Prudential Regulation Authority and Financial Conduct Authority.
• AGA International SAcoreOthersUnderwriting partner providing insurance coverage for policies sold through the company's brands. Regulated by UK PRA and FCA.
• American International Group UK LimitedcoreOthersMajor global underwriter providing insurance capacity for the company's product offerings. AIG UK is regulated by PRA and FCA.
• Astrenska Insurance LimitedcoreOthersUK-based underwriting partner supporting policy coverage for customers. Regulated entity under PRA and FCA.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Staysure: UK-focused online travel insurance intermediary specializing in over-50s and medical-condition travelers; the closest like-for-like comparator to CoverForYou's mainstream and Cedar Tree's premium positioning.
• AllClear Travel Insurance: UK specialist travel insurance intermediary focused on customers with pre-existing medical conditions; directly comparable to the company's Insure&Escape brand.
• InsureandGo: Online-first UK travel insurance intermediary selling single-trip and annual multi-trip policies direct to consumers; comparable GTM motion and product mix to CoverForYou.
• Holiday Extras: UK market leader in travel add-on products including airport parking, hotels and travel insurance; comparable as a multi-product online travel insurance and protection retailer.
• Insurefor: UK online travel insurance intermediary offering gadget, car hire excess and travel cover direct to consumers; near-identical product set to the CoverForYou brand.
• Columbus Direct: Long-standing online UK travel insurance intermediary with single-trip, annual and backpacker products; historically a direct competitor across mainstream and adventure segments.
• Saga Travel Insurance: UK over-50s specialist insurer and travel insurance provider with premium positioning; comparable to Cedar Tree on customer profile (up to age 75) and quality-led proposition.

Emerging players

• Bought By Many: UK insurtech that pioneered niche, community-driven insurance products online; comparable digitally-native insurance intermediary model targeting underserved customer segments.
• Marshmallow: UK insurtech using proprietary data and technology to serve under-served insurance segments; comparable as a technology-led UK insurance intermediary focused on customer experience.

Broad incumbents

• Direct Line Group: Major UK personal lines insurance group offering travel insurance alongside motor, home and pet; broader portfolio incumbent that competes for the same UK travel insurance customer wallet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

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 Worldwide Internet Insurance Services