Civil Service Insurance Society

What Civil Service Insurance Society does

Civil Service Insurance Society (CSIS) is a UK not-for-profit insurance intermediary, founded in 1890 and headquartered in Maidstone, that arranges and administers general insurance products on behalf of current, former, and retired civil and public servants and their partners. The company operates as a broker rather than an underwriter, distributing a core portfolio of car, home, and travel insurance alongside an extended catalogue of 11 specialist lines (bicycle, boat, caravan, pet, life, mobility scooter, musicians, car hire excess, short-term car, young driver, and let/second property insurance), sourcing capacity from providers including ERS, Ageas, Aviva, AXA, Covea, Aneevo/Allianz, Zurich, ManyPets, Cycler, Noble Marine, Questor, COAST, ETA, Marmalade, and GoShorty.

Revenue is generated through three streams: commission from insurers as a percentage of premium on business managed, transactional administration fees of up to £15 for new business, renewals, mid-term adjustments, and cancellations, and commission as a credit broker introducing customers to Premium Credit Ltd for monthly instalment plans. The technology stack is non-proprietary: CSIS relies on standard insurance quotation and policy administration systems, with third-party web analytics (Google Analytics, HotJar) supporting its csis.co.uk website, and no public APIs or platform integrations beyond the premium finance linkage.

The go-to-market is hybrid but human-led: direct phone sales (lines 9am–4pm Mon–Fri) and online quote requests, supplemented by 11+ affinity group partnerships that grant exclusive discounts of 5–25% to members of organisations such as BBCPA, NARPO, HASSRA, NHSRF, NFOP, Royal Mail, FPS, CSSC, and CSPA, with dedicated partner-branded travel schemes (e.g., CSPA Annual Travel, NHSRF Over 40s, NARPO Over 50s). CSIS does not list on price comparison websites and operates on a non-advised basis, with any operating surplus donated to the CSIS Charity Fund, which has contributed over £9 million to civil and public service charities since 2007.

Name

Civil Service Insurance Society

Legal name

Civil Service Insurance Society

Website

https://csis.co.uk

Company type

Private

Founded year

1890

Operating status

Operating

Headcount range

11–50 employees

Short description

CSIS is a UK not-for-profit insurance intermediary founded in 1890, arranging car, home, travel, and 11 specialist insurance products for civil and public servants via direct channels and 11+ affinity group partnerships, earning commission from underwriters and administration fees.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance intermediary services
• General insurance broker
• Civil service affinity schemes
• Specialist insurance products
• Travel insurance schemes

Headquarters

HQ city

Maidstone

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation: CSIS acts as an independent insurance intermediary, arranging and administering general insurance. They receive commission from insurers as a percentage of the total annual premium on business managed. They do not handle claims directly but can assist with negotiation on behalf of customers.
2. Administration Fees: CSIS charges administration fees for setting up, administering, or cancelling policies. New Business and renewal fee up to £15, mid-term adjustment up to £15, cancellation up to £15.
3. Premium Finance Commission: CSIS acts as credit broker introducing customers to Premium Credit Ltd for monthly payment plans and receives commission for this introduction.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Civil Service Insurance Society is a not-for-profit insurance intermediary arranging and administering general insurance products on behalf of UK civil and public servants and their partners. Its core offering consists of car, home and travel insurance arranged with multiple underwriters (including Ageas, Aviva, AXA, Covea, ERS at Lloyd's, Aneevo/Allianz), distributed direct via phone and online and through affinity-group partnerships, with revenue earned from insurer commissions and administration fees.

Product overview

Civil Service Insurance Society (CSIS) is a not-for-profit insurance intermediary serving civil and public servants. The core offering consists of three primary insurance products: Car Insurance, Home Insurance, and Travel Insurance. These are distributed alongside an extensive portfolio of specialist insurance products including Let/Second Property, Bicycle, Boat, Caravan, Car Hire Excess, Life, Musicians, Mobility Scooter, Pet, Short Term Car, and Young Driver Insurance. CSIS also administers affinity-group-specific travel schemes for partner organizations (HASSRA, NHSRF, NFOP, CS Club, CSPA, BBCPA, NARPO, FPS, CSSC, Royal Mail) offering age-targeted coverage with simplified medical screening. The company operates as a broker, not a direct insurer, partnering with multiple underwriters including Ageas, Aviva, AXA, Covea, ERS, Lloyd's Syndicates, and specialist providers for niche products.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Comprehensive car insurance policies underwritten by ERS (Syndicate 218 at Lloyds) with optional Roadside Assistance and Motor Legal Expenses cover, available to UK civil and public servants via phone and online.
• Home Insurance Buildings, contents and combined home insurance arranged with multiple providers (Ageas, Aviva, AXA, Covea, Midas, Salvation Army General Insurance) with optional Family Legal Expenses and Home Emergency add-ons.
• Travel Insurance Single trip and annual multi-trip travel insurance providing medical assistance, repatriation and cancellation cover, arranged through multiple providers for civil and public servants.
• Let/Second Property Insurance Insurance cover for let properties, unoccupied properties and UK holiday homes, offered through multiple provider partnerships.
• Bicycle Insurance Comprehensive bicycle and e-bike insurance in association with Cycler, covering theft, accidental damage, travel, accessories and personal accident for up to 5 bikes.
• Boat Insurance Comprehensive boat insurance for boats and crafts of all types and sizes, provided in association with Noble Marine Insurance Services.
• Caravan Insurance Insurance for touring caravans, motorhomes, statics, park homes and trailer tents, offered in association with COAST Insurance.
• Car Hire Excess Insurance Car hire excess insurance with daily and annual cover options, provided in association with Questor Insurance, covering excess charges, administration fees, tyres, wheels, windscreen and more.
• Life Insurance Life insurance and life insurance with critical illness cover offered in association with Zurich, providing a cash sum if the policyholder dies or becomes terminally ill.
• Musicians Insurance Musical instrument insurance for individuals, groups, bands, orchestras, music teachers and vinyl collectors, provided in association with New Moon Insurance.
• Mobility Scooter Insurance Comprehensive mobility scooter insurance from £65 per year including theft and damage cover up to £10,000, third party liability up to £2 million and breakdown recovery.
• Pet Insurance Cat and dog insurance in association with ManyPets, offering lifetime vet fee cover from £3,000 to £20,000, dental coverage and 24/7 UK vet advice.
• Short Term Car Insurance Temporary car insurance from 1 hour to 28 days, provided in association with GoShorty, available for drivers aged 19-75 and vehicles valued up to £65,000.
• Young Driver Insurance Learner and young driver insurance products in association with Marmalade, including learner driver cover, black box insurance and named young driver policies for ages 17-34.
• BBCPA Over 50s Annual Travel Scheme Over 50s Annual Travel Insurance Scheme for British Broadcasting Corporation Pensioners' Association members aged 50 and over, administered by CSIS.
• CSSC Bicycle Insurance Bicycle and e-bike insurance with 25% discount for Civil Service Sports Council members, provided in association with Cycler.
• NARPO Travel Insurance Annual travel insurance designed for National Association of Retired Police Officers members aged 50-79, with no medical conditions declaration required.
• FPS Travel Insurance Travel insurance for Forces Pension Society members with single trip or annual cover options, including special provisions for serving members with BFPO addresses.
• CS Club Insurance Car, home and travel insurance with 5% discount on car and home and 10% on travel insurance for CS Club (Civil Service Club) members.
• Royal Mail Travel Insurance Travel insurance for Royal Mail employees and retirees featuring accepted medical conditions list, eliminating lengthy medical screening requirements.

Quantifiable outcome

• Rated 'Excellent' on Trustpilot for service quality
• +3 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

31 partnerships are on record, tiered core and minor.

• BBCPA (British Broadcasting Corporation Pensioners' Association)coreChannel Partner/ Reseller/ DistributorBBCPA members have access to CSIS insurance products including Over 50s Annual Travel Insurance Scheme administered by CSIS. Members receive exclusive affinity discounts.
• NARPO (National Association of Retired Police Officers)coreChannel Partner/ Reseller/ DistributorNARPO members have access to Over 50s Annual Travel Insurance Scheme designed for retired police officers aged 50-79. Scheme provides travel cover without lengthy medical screening.
• HASSRA (Her Majesty's Stationery Office Staff Recreation Association)coreChannel Partner/ Reseller/ DistributorHASSRA members receive 10% discount on car, home and travel insurance. Members have access to Over 40s Annual Travel Insurance Scheme administered by CSIS.
• NHSRF (NHS Retirement Fellowship)coreChannel Partner/ Reseller/ DistributorNHSRF members receive 10% discount on car and home insurance. Members have access to Over 40s Annual Travel Insurance Scheme administered by CSIS.
• NFOP (National Federation of Occupational Pensioners)coreChannel Partner/ Reseller/ DistributorNFOP members receive 10% discount on car and home insurance. Members have access to Over 50s Annual Travel Insurance Scheme administered by CSIS.
• Royal Mail StaffcoreChannel Partner/ Reseller/ DistributorRoyal Mail employees and retirees receive 10% discount on car and home insurance. Specialized travel insurance product available with accepted conditions list.
• FPS (Forces Pension Society)coreChannel Partner/ Reseller/ DistributorFPS members receive 10% discount on car and home insurance. Special travel insurance available for serving and non-serving Forces members including BFPO address coverage.
• CSSC (Civil Service Sports Council)coreChannel Partner/ Reseller/ DistributorCSSC members receive 10% discount on car, home and travel insurance, plus 25% discount on bicycle insurance. Access to Over 40s Annual Travel Insurance Scheme.
• CSClub (Civil Service Club)minorChannel Partner/ Reseller/ DistributorCS Club members receive 5% discount on car and home insurance, 10% discount on travel insurance.
• CSPA (Civil Service Pensioners' Alliance)coreChannel Partner/ Reseller/ DistributorCSPA members receive 10% discount on car and home insurance. Access to Annual Travel Insurance Scheme for members aged 50-79 with trips up to 65 days.
• CSRF (Civil Service Retirement Fellowship)minorChannel Partner/ Reseller/ DistributorCSRF members have access to home insurance and other CSIS products.
• CFCS (Charity for Civil Servants)minorChannel Partner/ Reseller/ DistributorCFCS supporters have access to CSIS insurance products.
• Ageas Insurance LtdminorOthersHome insurance provider used by CSIS for arranging policies.
• Aviva Insurance LtdminorOthersHome insurance provider used by CSIS for arranging policies.
• AXA Insurance UK PlcminorOthersHome insurance provider used by CSIS for arranging policies.
• Covea Insurance PlcminorOthersHome insurance provider used by CSIS for arranging policies.
• MDSCO Ltd t/a MidasminorOthersHome insurance provider used by CSIS for arranging policies.
• Salvation Army General Insurance Corporation Ltd (sagic)minorOthersHome insurance and legal expenses provider used by CSIS. Also provides monthly payment facilities.
• ERS (Syndicate 218 at Lloyds)coreOthersCar insurance provider managed by IQUW Syndicate Management Ltd. Primary motor insurer for CSIS.
• RAC Motoring Services via Broker Direct PlcminorOthersBreakdown assistance provider for car insurance policies.
• Aneevo (Just Insurance Agents Limited)coreOthersTravel insurance provider, part of Just Travel Agents Limited. Underwritten by AWP P&C SA (Allianz Assistance), Red Sands, Accelerant, White Horse Insurance.
• MarmalademinorOthersYoung driver insurance specialist. Provides learner, black box, and named young driver insurance products introduced by CSIS.
• GoShorty (Complex to Clear Group Limited)minorOthersShort term car insurance provider (1 hour to 28 days). CSIS introduces customers to GoShorty.
• ManyPets LtdminorOthersPet insurance provider. Offers lifetime vet fee cover from £3,000 to £20,000.
• Zurich Assurance LtdminorOthersLife insurance provider. Offers life cover from £5/month and life cover with critical illness.
• Cycler (Next Generation Insurance Group Ltd)minorOthersBicycle and e-bike insurance provider with cover for theft, damage, travel, and personal accident.
• Noble Marine (Noble Insurance Services Ltd)minorOthersBoat insurance specialist providing comprehensive cover for boats and crafts of all types and sizes.
• Questor Insurance (Riverside Underwriting Limited)minorOthersCar hire excess insurance provider with daily and annual cover options.
• COAST Insurance (Park Home Insurance Services Ltd)minorOthersCaravan, motorhome, static caravan, and park home insurance specialist.
• ETA (Twothreebird UK Limited)minorOthersMobility scooter insurance provider offering comprehensive cover from £65/year.
• New Moon (Noble Insurance Services Ltd)minorOthersMusicians insurance specialist covering individual musicians, groups, bands, and orchestras.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• PG Mutual (formerly Police Mutual): UK mutual insurer serving police officers, staff, and their families with protection, savings, and insurance products. Comparable niche affinity distribution model targeting UK public sector workers, similar to CSIS's NARPO partnership.
• Teachers Assurance: UK not-for-profit financial services provider serving the teaching profession, offering insurance and savings products through affinity distribution. Closely parallels CSIS's public-sector-niche, mutual-style operating model.
• Cornmarket Insurance Group: Irish insurance broker historically focused on public sector employees (civil servants, teachers, gardaí), offering affinity-based car, home, travel, and life insurance with discount schemes. Highly comparable to CSIS in mission, distribution model, and target customer.
• Just Travel Cover: UK specialist travel insurance provider (Aneevo/Just Insurance Agents Limited) that underwrites and administers travel schemes for affinity groups, including CSIS's NHSRF, NFOP, and BBCPA travel schemes. Direct operating partner and comparable specialist affinity travel-scheme administrator.
• The Right Insurance (Public Sector Focus): UK insurance broker specifically targeting civil servants, NHS staff, and public sector workers with discounted car, home, and travel insurance. Directly competitive with CSIS in the same customer segment with similar product mix.

Broad incumbents

• NFU Mutual: UK mutual insurer serving farming and rural communities with affinity-distributed insurance products. Parallel mutual/affinity distribution model, though targeting a different occupational niche.
• A-Plan Insurance: Large UK high-street insurance broker offering car, home, and travel insurance across broad consumer segments. Comparable as a multi-carrier insurance intermediary, though operating at much larger scale and without CSIS's niche public-sector specialization.

Emerging players

• Bennett Christmas Insurance: UK insurance broker specializing in professional and public sector clients, offering tailored commercial and personal insurance products. Comparable niche focus on professional affinity groups, though more commercial-line oriented.
• Stackhouse Poland: UK insurance broker with affinity partnerships for professional groups, including public sector. Operates a similar multi-carrier intermediation model with affinity-driven distribution.

Others

• Health-on-Line: UK health insurance broker intermediary arranging private medical cover for individuals and groups. Adjacent in insurance intermediation with comparable broker-arranged distribution model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CSIS_Insurance
• Facebookfacebook.com/CivilServiceInsuranceSociety
• LinkedInlinkedin.com/company/the-civil-service-insurance-society

Compliance2 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 Civil Service Insurance Society