Quotemehappy.com

What Quotemehappy.com does

Quotemehappy.com is an online-only insurance brand operated by Aviva UK Digital Limited (for car and home insurance) and Aviva Life & Pensions UK Limited (for life and critical illness cover), both subsidiaries of the Aviva Group, one of the UK's largest insurers. The brand was launched in 2011 and serves UK residents with a portfolio comprising standard and telematics-based car insurance (including the Quotemehappy Connect product), home insurance across three coverage tiers (Essentials, Essentials Plus, Premier), and life and critical illness cover. Operations are organised through three registered Aviva offices in Norwich, Perth, and York.

The platform is built around a self-service model. Customers quote, purchase, manage, and renew policies through the My Account portal accessible on desktop and mobile, with no call centres for policy queries and a 24/7 online claims service. Quotemehappy Connect additionally uses a self-fit Bluetooth windscreen device and companion app to capture driving behaviour, feeding personalised renewal pricing and a retailer reward-point programme. Distribution is direct-to-consumer through the website and via the four major UK price comparison websites (GoCompare, Moneysupermarket, Confused.com, Compare The Market), supported by SEO, email, SMS, and a modest social media presence on Facebook, Twitter, and YouTube.

The business model is that of a UK personal-lines insurer underwritten by Aviva. Revenue is generated primarily through recurring annual and monthly premiums on car, home, life, and critical illness policies, supplemented by mid-term administration fees (GBP 12 per change, GBP 30 cancellation fee) and ancillary charges such as device replacement for Connect (GBP 17). Pricing is personalised based on driver profile, property, location, and (for Connect) observed driving behaviour. Customer segments are horizontal UK consumer households — car owners, homeowners and tenants, and individuals aged 18-59 seeking life protection — with optional bundling through the GBP 20 multi-car discount. The company does not disclose revenue, headcount changes, or active policy counts.

Name

Quotemehappy.com

Legal name

Aviva UK Digital Limited

Website

https://quotemehappy.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Quotemehappy.com is a UK online-only insurance brand operated by Aviva, offering car, home, and life insurance directly to consumers via a self-service digital platform and price comparison websites.

Ownership category

akta.pro rank

Product category

Online personal insurance (car, home, and life)

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

Keywords

• Online car insurance
• Home insurance quotes
• Life insurance policies
• Telematics car insurance
• Direct-to-consumer insurance

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Car Insurance Premiums: Annual motor insurance policies with optional monthly payment plans via Direct Debit. Premiums calculated based on driver profile, vehicle, location, claims history, and risk factors.
2. Home Insurance Premiums: Annual home insurance (buildings and/or contents) with three coverage tiers: Essentials, Essentials Plus, and Premier. Optional add-ons include legal services and home emergency cover.
3. Life Insurance Premiums: Monthly life insurance premiums starting from £3.50 per month. Policies available as level cover (fixed payout) or decreasing cover (for mortgage protection). Critical illness cover available as add-on.
4. Policy Administration Fees: Administration fees charged for mid-term changes (£12) and cancellations after cooling-off period (£30), plus Insurance Premium Tax.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Quotemehappy.com is an online-only direct-to-consumer insurance provider selling car, home, and life insurance to UK residents, with policies underwritten by Aviva Insurance Limited and Aviva Life & Pensions UK Limited. Customers can quote, purchase, manage, and renew policies entirely online through the My Account portal, with a telematics-based connected car product (Quotemehappy Connect) using a Bluetooth device and mobile app to reward safe driving.

Product overview

Quotemehappy.com is an online-only insurance broker operated by Aviva UK Digital Limited. The company offers a portfolio of personal insurance products including Car Insurance, Connected Car Insurance (Quotemehappy Connect), Home Insurance, Life Insurance, and Critical Illness Cover. Customers interact through the My Account self-service platform, with no call centers for general support. Products are distributed through the website and price comparison sites, and underwriting is provided by Aviva Insurance Limited and Aviva Life & Pensions UK Limited. The company also offers a Multicar Discount program for customers insuring multiple vehicles.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Standard UK car insurance policy that can be quoted, purchased, and managed entirely online. Covers damage and third-party liability, includes 24/7 claims support, and offers a multi-car discount for households insuring more than one vehicle.
• Home Insurance UK home insurance offered at three coverage tiers (Essentials, Essentials Plus, Premier) covering buildings, contents, or both, with optional add-ons including legal services and home emergency cover. Purchased and managed online.
• Life Insurance Life insurance policy paying a tax-free lump sum if the insured dies during the policy term, available as Level cover (fixed payout) or Decreasing cover (designed to track a repayment mortgage). Terms from 1 to 50 years, cover up to age 90, with payouts up to £750,000 and monthly premiums starting from £3.50.
• Critical Illness Cover
• Quotemehappy Connect (Connected Car Insurance)

Quantifiable outcome

• 99.3% of all life insurance claims paid in 2023
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Admiral Group: UK-listed direct-to-consumer personal lines insurer (Admiral, Diamond, Elephant, Veygo). Closest comparable to Quotemehappy: online-led, price-comparison-driven distribution, multi-product (car, home, life) in the UK.
• Direct Line Group: UK personal lines insurer operating Direct Line, Churchill, Privilege, and Darwin direct brands. Comparable product mix (car, home, life) and emphasis on direct, brand-led distribution, though with more call-centre support than Quotemehappy.
• Hastings Group: UK direct personal lines insurer focused on price-comparison-driven car and home insurance. Highly comparable online-only GTM and price-led positioning to Quotemehappy.
• esure: UK online personal lines insurer (esure, Sheilas' Wheels) acquired by Bain Capital. Direct-to-consumer model with strong price-comparison presence; overlaps Quotemehappy on car and home.
• LV= (Liverpool Victoria): UK mutual offering car, home, and life insurance with growing direct online channel. Comparable personal lines product set and UK-only footprint.
• Sheilas' Wheels: esure-owned direct car insurance brand targeting a specific customer niche via online channels. Comparable digital-first motor insurance model and PCW-led acquisition.
• Saga (Insurance): UK specialist insurer focused on the over-50s with direct car, home, and travel insurance. Comparable UK-only direct personal lines distribution through phone and web.

Emerging players

• Bought By Many (Many Pets): UK insurtech that began as a comparison-style aggregator and now underwrites specialty pet and travel lines. Comparable digital-first acquisition model and UK consumer focus, though with different product categories.

Broad incumbents

• Aviva UK: Parent group of Quotemehappy and the actual underwriter for its car, home, and life policies. Broader UK insurer with multi-channel distribution including brokers, IFA, and direct; Quotemehappy is essentially its digital-only sub-brand.

Others

• GoCompare: One of the principal UK price comparison websites through which Quotemehappy acquires customers. As a distribution channel partner (and potential competitor for consumer mindshare on price), it is central to Quotemehappy's GTM but not a product peer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/quotemehappy
• YouTubeyoutube.com/channel/UCvSYTMiV-9U-eLLXPo-DM4g
• Facebookfacebook.com/Quotemehappy

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 Quotemehappy.com