CIA Insurance

Name

CIA Insurance

Legal name

CIA Insurance Services Ltd

Website

https://cia-insurance.co.uk

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

CIA Insurance is an FCA-regulated independent UK insurance broker specialising in landlord and rental property insurance. It serves individual landlords, letting agencies, and property portfolio owners via online quotes and phone advisory, comparing policies across a panel of nine leading UK insurers.

Ownership category

akta.pro rank

Product category

Landlord Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Landlord insurance
• Insurance brokerage
• Buy-to-let insurance
• Rental property insurance
• Commercial landlord insurance

Headquarters

HQ city

Rugby

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, Others

Revenue model

1. Insurance Intermediation: CIA Insurance generates revenue as an independent insurance broker by earning commissions from their panel of insurer partners (AXA, Covea, GEO Underwriting, Pen Underwriting) when they sell and service landlord insurance policies. Revenue is recurring through policy renewals and new business commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

CIA Insurance is an FCA-regulated independent insurance broker that arranges landlord, rental property, and buy-to-let insurance by comparing quotes from a panel of nine leading UK insurers and placing cover on behalf of property owners. The core product set covers buildings and contents protection for rental properties (including specialist variants for flats, listed buildings, HMOs, commercial lets, holiday homes, and unoccupied properties), with ancillary motorcycle and household policies offered alongside. Distribution combines online self-serve quoting with phone-based broker assistance.

Product overview

CIA Insurance is an independent insurance intermediary specialising in landlord insurance, offering a modular product architecture where landlords can select from various coverage types based on their specific needs. The core offering consists of landlord buildings and/or contents insurance, which can be supplemented with specialised cover for unoccupied properties, HMO properties, commercial properties, and multiple property portfolios. The company also offers tenant-specific coverage for DSS, professionals, students, and asylum seekers, as well as niche products for listed buildings and holiday homes. Additional products include motorcycle and household insurance. CIA Insurance acts as a broker, comparing quotes from multiple leading insurers (including AXA, Covea, GEO Underwriting, and Pen Underwriting) to find the best deal for each landlord's unique situation.

Differentiator

Problem solved

Functional benefit

Products and services

• Landlord Insurance Core landlord insurance product providing buildings and contents coverage for rental properties, protecting against risks such as fire, flooding, theft, and damage to fixtures including kitchens and bathrooms. Marketed to UK landlords via online quote comparison against a panel of nine insurers.
• Landlord Flat Insurance Specialised insurance coverage for flats within multi-unit buildings, tailored to the unique risks of owning a leasehold rental property. Designed for UK landlords of leasehold flats.
• Buy To Let Insurance Insurance coverage designed for properties purchased as buy-to-let investments, protecting landlords' rental property assets. Targeted at UK property investors purchasing residential rental property.
• Rental Property Insurance Comprehensive insurance for rental properties covering various landlord risks and liabilities. Sold to UK landlords seeking broad rental property protection.
• Listed Building Insurance Specialised insurance for listed buildings with restrictions on modifications and unique restoration requirements. Marketed to UK landlords of heritage or listed rental properties.
• Multiple Property Insurance Insurance coverage for landlords with multiple properties, offering portfolio policies and multi-property discounts. Sold to UK landlords and letting agencies with portfolios of rental properties.
• UK Holiday Home Insurance Insurance for holiday let properties in the UK, covering short-term rental risks. Targeted at UK owners of holiday-let rental properties.
• HMO Property Insurance Insurance for Houses in Multiple Occupation (HMO), covering shared living arrangements with multiple tenants. Marketed to UK landlords operating shared-tenant rental properties.
• Commercial Landlord Insurance Insurance coverage for commercial properties leased to businesses, protecting against property damage and business interruption risks. Sold to UK landlords of commercial rental property.
• Motorcycle Insurance Insurance coverage for motorcycles, offered as an additional product line alongside landlord insurance. Sold to UK motorcycle owners.
• Household Insurance General household insurance coverage, available as an additional product alongside landlord insurance offerings. Sold to UK consumers seeking personal household cover.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• AXAcoreChannel Partner/ Reseller/ DistributorAXA is one of the insurer partners on CIA Insurance's panel, providing landlord insurance products that CIA distributes as an independent broker.
• CoveacoreChannel Partner/ Reseller/ DistributorCovea is an insurer partner on CIA Insurance's panel, providing insurance products for landlord coverage that CIA distributes.
• GEO UnderwritingcoreChannel Partner/ Reseller/ DistributorGEO Underwriting is an insurer partner providing landlord insurance products. CIA Insurance distributes their products and also handles claims on their behalf (claims line: 01708 777 710).
• Pen UnderwritingcoreChannel Partner/ Reseller/ DistributorPen Underwriting is an insurer partner on CIA Insurance's panel providing landlord insurance products. CIA handles claims for their products (claims line: 01403 321 394).

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hamilton Fraser: UK-based specialist in landlord insurance and tenant referencing, directly competing with CIA in the same niche and customer base of buy-to-let investors and letting agents.
• Alan Boswell Group: UK independent insurance broker offering personal and commercial lines including landlord and property insurance, comparable in size and channel mix (online plus advisory) to CIA Insurance.
• OneBroker Insurance Group: UK independent broker network covering personal and commercial lines including property and landlord cover, comparable in operating model (panel of insurers, online and phone distribution) to CIA Insurance.

Broad incumbents

• Howden Group Holdings: Large UK and international insurance broker group with broad personal and commercial lines including property and landlord cover, competing with CIA across multiple customer segments.
• Arthur J. Gallagher & Co (UK): Global insurance broker with a substantial UK retail and commercial practice, overlapping with CIA on landlord and property insurance but operating at much greater scale and breadth.
• Marsh Ltd: UK arm of Marsh McLennan, one of the largest global insurance brokers; competes with CIA in commercial property and landlord insurance for mid-market and portfolio clients.
• Aon UK: Global insurance and reinsurance broker with a UK retail and commercial practice; competes for larger portfolio and commercial landlord accounts that overlap with CIA's letting-agency segment.
• Swinton Insurance: UK high-street and online insurance broker with personal lines including home and landlord cover, competing for the same SMB and individual landlord customer base as CIA.

Emerging players

• Compare the Market: UK price comparison aggregator across home and landlord insurance; competes indirectly with CIA by diverting quote-comparison traffic that CIA otherwise captures through its own panel-based comparison.
• GoCompare: UK insurance aggregator covering home, landlord and motor lines, providing a low-friction comparison alternative to specialist brokers like CIA for price-sensitive customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ciainsurance
• LinkedInlinkedin.com/company/cia-insurance-services-limited

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 CIA Insurance