Hedgehog

What Hedgehog does

Hedgehog Limited is a Gibraltar-registered, FCA- and GFSC-authorized insurance intermediary that distributes private car and van insurance to individual UK consumers through a fully online, product-led model. Its core product is annual vehicle insurance offered at Comprehensive and Third Party Fire & Theft coverage levels, priced individually per driver rather than via grouped statistics, with optional add-ons (Breakdown via Call Assist, Enhanced Key Cover, Windscreen, Legal Care via Minster Law, Replacement Car Plus, Enhanced Personal Accident, and Tools in Transit for vans). Policy lifecycle — quoting, document access, mid-term adjustments, renewals, and cancellation — is managed through a self-serve online account portal supported by a 24/7 chatbot with live human escalation.

Name

Hedgehog

Legal name

Hedgehog Limited

Website

https://hedgehoginsurance.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Hedgehog is a Gibraltar-based, FCA-authorized online insurance intermediary that distributes private car and van insurance to UK consumers via price comparison websites and a self-serve portal, using individualized risk-based pricing through a panel of underwriters.

Ownership category

akta.pro rank

Product category

Vehicle Insurance

NAICS

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

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Umbrella Insurance (FSAJAMAK)

Keywords

• Vehicle insurance
• Car insurance
• Van insurance
• Insurance intermediary
• Online insurance brokerage

Headquarters

HQ city

Gibraltar

HQ country

Gibraltar

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Insurance Premiums: Hedgehog acts as an insurance intermediary, earning revenue through insurance premiums collected from policyholders. Policies are underwritten by a panel of selected insurers including Covea, ERS, Markerstudy, Sabre, Eridge, AGEAS, and Prestige. The company offers annual policies with options for monthly instalment payments through premium finance.
2. Optional Add-on Covers: Additional revenue streams from optional extras including Breakdown cover (Call Assist), Enhanced key cover, Windscreen cover, Legal care, Replacement car plus, Enhanced personal accident, and Tools in Transit (for van insurance).
3. Premium Finance Arrangement: Premium finance is arranged by Rostella Limited, which uses Premium Credit Limited to provide finance. Rostella may receive commission for introducing customers to Premium Credit.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Hedgehog is an online insurance intermediary that sells UK vehicle and van insurance policies. It offers Comprehensive and Third Party Fire & Theft coverage, underwritten by a panel of selected insurers (Covea, ERS, Eridge, Sabre, AGEAS, PRESTIGE, Markerstudy), with optional add-ons including breakdown cover, enhanced key cover, windscreen cover, legal care, replacement car plus, enhanced personal accident, and tools in transit. Pricing is personalized based on individual driver profiles rather than grouped statistics, and policies are fully managed online 24/7 via a self-serve account.

Product overview

Hedgehog is an online insurance intermediary offering vehicle and van insurance products. The core offering consists of vehicle insurance policies available as either Comprehensive or Third Party Fire and Theft coverage, with pricing based on individual risk profiles. The company provides a panel of underwriting insurers (Hedgehog, Covea, ERS, Eridge, Sabre, AGEAS, PRESTIGE) rather than a single carrier. Optional add-on modules extend coverage including Breakdown Cover (Call Assist), Enhanced Key Cover, Windscreen Cover, Legal Care, Replacement Car Plus, and Enhanced Personal Accident. Van Insurance is offered as a separate product line with comparable coverage options including Tools In Transit cover. All products are managed through an online self-service platform accessible 24/7 via customer accounts.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Insurance (Comprehensive) Full-coverage vehicle insurance policy protecting against damage, theft, and third-party liability for private cars in the UK. Pricing is personalized based on individual driver risk profile rather than grouped statistics and is managed end-to-end through Hedgehog's online account.
• Vehicle Insurance (Third Party Fire and Theft) Mid-tier vehicle insurance covering fire damage, theft, and statutory third-party liability requirements for UK private car owners. Personalized pricing and online self-service management through Hedgehog's website.
• Van Insurance Commercial vehicle insurance for UK van owners, available as Comprehensive or Third Party Only cover, with optional add-ons including breakdown cover, enhanced key cover, legal care, replacement car plus, enhanced personal accident, and tools in transit.
• Call Assist Breakdown Cover Optional add-on providing emergency roadside assistance and vehicle recovery services through Call Assist for car and van policyholders.
• Enhanced Key Cover Optional add-on covering the cost of replacement keys and lockout situations for car and van policyholders.
• Windscreen Cover Optional add-on providing windscreen and body glass repair/replacement, with different claim processes depending on the underwriting insurer of the base policy.
• Legal Care Optional add-on providing legal expenses cover and access to legal advice services through Minster Law for car and van policyholders.
• Replacement Car Plus Optional add-on providing a replacement vehicle while the insured car is being repaired following an insured incident.
• Enhanced Personal Accident Cover Optional add-on providing enhanced personal accident benefits for the policyholder and covered parties in the event of injury from a vehicle incident.
• Tools In Transit Cover Optional add-on for van policies covering loss or damage to tools and equipment while in transit, with claims handled through The Oxford Claims Company.

Quantifiable outcome

• Refunds processed within 14 working days of cancellation
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Auto WindscreenscoreTechnology or IntegrationNominated partner for glass claims (windscreen and body glass repairs/replacements) for policies beginning with HHA/HHN or HHR. Customers can book appointments directly through the Auto Windscreens website.
• Call AssistcoreTechnology or IntegrationBreakdown cover provider for customers with breakdown add-on coverage. Handles emergency roadside assistance and recovery services.
• Covea InsurancecoreTechnology or IntegrationOne of the panel insurers for Hedgehog vehicle insurance policies. Policies with numbers beginning HHC are underwritten by Covea. Provides Comprehensive and TPFT coverage options for policies with cover start date or renewal date of 1st June 2024 or later.
• ERS (Eridge)coreTechnology or IntegrationPanel insurer providing vehicle insurance coverage. Policies beginning with HHD are underwritten by ERS. Offers Comprehensive and TPFT coverage for policies with cover start date or renewal date of 1st March 2023 or later.
• Eridge InsurancecoreTechnology or IntegrationPanel insurer for Hedgehog vehicle and van insurance. Policies beginning with HHH are underwritten by Eridge. Provides Comprehensive coverage with multiple policy wording versions for different coverage periods.
• Sabre InsurancecoreTechnology or IntegrationPanel insurer for Hedgehog vehicle and van insurance. Policies beginning with HHF are underwritten by Sabre. Offers Comprehensive and TPFT coverage options for policies starting 1st October 2023 or later.
• AGEAS InsurancecoreTechnology or IntegrationPanel insurer providing vehicle insurance coverage. Policies beginning with HHI are underwritten by AGEAS. Offers Comprehensive and TPFT coverage for policies with cover start date or renewal date of 1st August 2024 or later.
• PRESTIGE InsurancecoreTechnology or IntegrationPanel insurer for Hedgehog vehicle and van insurance. Policies beginning with HHJ are underwritten by PRESTIGE. Offers Comprehensive and TPFT coverage options.
• MarkerstudycoreTechnology or IntegrationPanel insurer for glass claims processing. Policies beginning with HHE should book glass repairs/replacements through Markerstudy's dedicated telephone line.
• Reviews.iominorGTM or Marketing PartnerThird-party customer review platform partner. Hedgehog has partnered with Reviews.io to gain valuable customer feedback and display reviews. The company is rated as 'excellent' on the platform.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Admiral Group: Wales-headquartered UK personal lines insurer with price comparison-led brands (Admiral, Diamond, Elephant, Veygo). Comparable in motor insurance focus and Welsh operations base to Hedgehog's Cardiff support office, but operates at vastly larger scale with own underwriting capacity.
• Direct Line Group: UK personal lines insurance group operating direct brands (Direct Line, Churchill, Privilege, Darwin) primarily through owned channels. Comparable as a major UK motor insurer, but unlike Hedgehog it underwrites its own book and relies less on PCW distribution.

Direct peers

• Zego: UK insurtech providing flexible motor and gig-economy vehicle insurance via partner underwriters. Comparable as a digital-first intermediary with usage-based products and a panel of underwriting partners, though focused on commercial and gig drivers.
• Marshmallow: UK insurtech motor insurance intermediary targeting newcomers and immigrants with non-standard profiles. Operates a fully online, data-driven pricing model and partner underwriters — closely comparable in business model and customer segment to Hedgehog.
• By Miles: UK digital-first motor insurance intermediary using telematics-based pay-by-mile pricing. Like Hedgehog, it sells direct online without telephone service and targets drivers seeking fairer, usage- or profile-based premiums.
• Laka: UK digital-first insurance intermediary for bicycles, e-bikes, and commercial vehicles, offering peer-to-pool style cover online. Comparable as a fully online, technology-led UK insurance intermediary with non-traditional underwriting arrangements.
• Hometree: UK online insurance intermediary selling home and boiler cover direct-to-consumer with partner underwriters. Operates a similar PLG online distribution model with partner underwriting as Hedgehog, though in home rather than motor.

Others

• GoCompare: UK price comparison website and one of Hedgehog's primary distribution channels. Listed because PCWs are simultaneously customers, competitors, and channel partners; understanding aggregator dynamics is essential to evaluating Hedgehog's economics.
• Confused.com: UK price comparison website and a named distribution partner for Hedgehog. As with GoCompare, it is a channel rather than a direct competitor, but its commission structure directly affects Hedgehog's acquisition cost.

Emerging players

• Bought By Many (Many Pets): Originally a UK insurtech intermediary (Bought By Many) that pivoted to pet insurance (Many Pets). Comparable as a UK digital-first intermediary that disrupted a personal lines category using online distribution and partner underwriting before exiting motor.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/hedgehoginsurance
• LinkedInlinkedin.com/company/hedgehog-insurance

Compliance2 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 Hedgehog