GoSkippy Insurance

What GoSkippy Insurance does

GoSkippy Insurance is a UK-based online insurance broker that sells motor and travel insurance directly to individual consumers. Operating as a trading brand of Somerset Bridge Insurance Services Limited (FCA reference 477112) — itself part of the Somerset Bridge Group, which is owned by Arch Reinsurance — the Bristol-headquartered company distributes car, van, bike, electric vehicle, and travel insurance through its website, a phone channel, price comparison sites, and a 24/7 customer portal. The company claims a base of 600,000+ policyholders and self-describes as one of the UK's fastest-growing brokers; it carries a 5-star Defaqto rating on comprehensive motor tiers.

The product set is anchored on motor insurance, with several layers of specialization. The core offering is a standard car policy; GoSkippy Connect adds a usage-based telematics layer using a Bluetooth Wedge Device and mobile app to capture GPS, accelerometer, braking, and speed data, producing a Driving Score used in pricing. EV Insurance extends coverage to battery, charging cable, and wall box, and bundles access to the ZoomEV Benefits Package (charging discounts, home energy offers, parking discounts). Add-on modules include RAC breakdown cover, motor legal expenses, personal accident, windscreen, key cover, excess protection, and vehicle assist. The platform integrates with UK industry databases — the Motor Insurance Database (MID) and Claims and Underwriting Exchange (CUE) — and is secured with 256-bit SSL.

Economically, GoSkippy is a broker, not an underwriter: revenue is generated through (i) broker commissions and arrangement fees on policies placed with underlying insurers, calculated as a percentage of the insurer-set premium, (ii) administration fees for mid-term adjustments (£25–£50), cancellations (£25–£75), document issuance, and telematics device replacement (£18), and (iii) credit-broker fees on monthly instalment plans arranged through Premium Credit Limited. Distribution is direct via the goskippy.com quote engine, complemented by phone sales/service, presence on price comparison websites, and an online customer portal. Marketing relies on content (blog, social, email, live chat) and a Bristol City FC Men's Team sponsorship running through the 2025/26 English Football League season.

Name

GoSkippy Insurance

Legal name

Somerset Bridge Insurance Services Limited

Website

https://goskippy.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

GoSkippy Insurance is a UK-based online insurance broker selling car, van, bike, electric vehicle, and travel policies to individual consumers. Operating as a trading brand of Somerset Bridge Insurance Services Limited (owned by Arch Reinsurance), it serves 600,000+ policyholders through a digital platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Bristol

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Policy Sales: GoSkippy acts as an insurance broker, arranging and administering motor and travel insurance policies. Revenue is generated through policy arrangement fees calculated as a percentage of the insurer-calculated premium, plus commissions from insurance providers.
2. Administration Fees: Fees charged for mid-term policy adjustments (£25-£50), cancellation (£25-£75 depending on timing), and document issuance. Additional fees for telematics device replacement (£18) and non-standard letters (£10).
3. Premium Finance: Partnership with Premium Credit Limited to provide monthly instalment payment options for customers, with GoSkippy acting as credit broker.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

GoSkippy Insurance is a UK-based online insurance broker that arranges and administers motor insurance (car, van, motorcycle) and travel insurance policies for UK consumers. It sells its products through self-service online quote engines, price comparison websites, and phone channels, earning revenue through insurer commissions and administration fees. Its differentiated offering includes a telematics-based Connect product that uses a mobile app and Bluetooth device to price cover based on actual driving behaviour, plus specialised electric vehicle insurance with EV-specific component coverage.

Product overview

GoSkippy Insurance is a UK-based insurance broker offering a portfolio of motor and travel insurance products. The core offerings include Car Insurance (standard, telematics-based Connect, and specialized EV Insurance), Van Insurance, Bike Insurance, and Travel Insurance. The company operates on a platform model where base motor policies can be enhanced with optional add-on modules including breakdown cover (RAC), legal expenses, personal accident, windscreen, excess protection, key cover, and vehicle assist. EV insurance customers receive exclusive access to ZoomEV benefits. The broker is authorized and regulated by the FCA and distributes through price comparison websites and direct online sales.

Differentiator

Problem solved

Functional benefit

Brands

• GoSkippy Connect: Telematics insurance product using a mobile app and Bluetooth Wedge Device to collect real-time driving data and generate Driving Scores for pricing.

Products and services

• GoSkippy Car Insurance
• GoSkippy Connect Telematics Insurance
• GoSkippy Electric Vehicle Insurance

Quantifiable outcome

• 5-star Defaqto rating on comprehensive policies
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ZoomEVcoreGTM or Marketing PartnerZoomEV partnership provides GoSkippy EV insurance customers with access to an EV Benefits Bundle including public charging discounts, home charger discounts, EV parking discounts, home energy plans, and charger sharing community. The bundle is accessible for 12 months from policy start date.
• Bristol City FCminorGTM or Marketing PartnerGoSkippy is sponsoring the Bristol City Men's Team for all English Football League fixtures in the 2025/26 season. GoSkippy branding appears on the back of the men's first team shirts and replica shirts.
• Somerset Bridge GroupcoreOthersGoSkippy Insurance is arranged and administered by Somerset Bridge Insurance Services Limited, part of Somerset Bridge Group which includes Somerset Bridge Group Limited, Somerset Bridge Limited, Somerset Bridge Insurance Services Limited, and Somerset Bridge Shared Services Limited. Somerset Bridge Insurance Services Limited is FCA-authorised and regulated (Firm Reference Number 477112).
• RACcoreChannel Partner/ Reseller/ DistributorRAC provides breakdown cover options sold as optional add-ons to GoSkippy motor insurance policies. Options include RAC Breakdown Cover At Home & Onward Travel, European Motoring Assistance, Roadside & Recovery, and Roadside Breakdown Cover.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Compare the Market: UK price comparison website and major distribution channel for personal motor insurance. Competes with GoSkippy indirectly for customers and is a key channel through which GoSkippy's policies are sold.
• Direct Line Group: Major UK personal lines insurer with flagship Direct Line brand plus Churchill, Privilege, and Darwin. A direct underwriter and brand competitor for UK personal motor insurance.
• LV= General Insurance: UK mutual insurer offering car, home, and travel insurance, recently merged with Bain Capital. Sells through direct channels and PCWs, directly competing in personal motor brokerage.
• Aviva Direct: UK general insurance arm of Aviva, one of the largest personal motor insurers, offering direct and broker-distributed car insurance. A scaled incumbent in the same product category.
• Churchill Insurance: Direct Line Group brand offering online motor and home insurance with PCW distribution. Comparable online personal auto offering targeting the same UK consumer segment.
• MoneySupermarket: UK price comparison group operating MoneySupermarket and Quidco. Key PCW distribution channel for GoSkippy and a marketing-cost driver in the UK motor insurance value chain.

Direct peers

• Admiral Group: UK-listed personal motor and home insurance group operating direct brands (Admiral, Bell, Diamond, Elephant) and the Confused.com PCW. Closest direct competitor in online UK personal auto insurance brokerage with telematics (LittleBox) capability.
• Hastings Group: UK personal lines insurance group operating Hastings Direct, serving price-comparison-driven motor customers. Directly comparable online motor insurance model targeting the same customer segment.

Regional players

• Confused.com: UK price comparison website owned by Admiral, aggregating motor and home insurance quotes. Operates as both a competitor aggregator and a distribution channel for GoSkippy.

Emerging players

• By Miles: UK pay-by-mile telematics car insurance startup, directly comparable to GoSkippy Connect in using real-time driving data to price personal auto insurance. Earlier-stage niche telematics competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/goskippy
• Facebookfacebook.com/GoSkippy-459815210736160
• Instagraminstagram.com/goskippyuk

Compliance5 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 GoSkippy Insurance