Insure4Sport
Insure4Sport is a UK specialist insurance broker (a trading brand of Ripe Insurance Services) arranging annual policies for over 400 sports and activities, serving individual participants, fitness instructors, personal trainers, sports coaches, gyms, and clubs underwritten by Aviva.
- Company typePrivate
- Founded2009
- HeadquartersManchester, United Kingdom
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Insure4Sport does
Insure4Sport is a specialist UK sports and fitness insurance provider, operating as a trading brand of Ripe Insurance Services Limited and authorised and regulated by the Financial Conduct Authority (No. 313411). Founded in 2009 and headquartered at One Stockport Exchange, Stockport, the company arranges insurance cover for over 400 sports and activities, with a product portfolio spanning personal trainers, fitness instructors, sports coaches, teams, clubs, gym and fitness studios, plus individual participants. Standalone verticals include Pilates, Dance, Gymnastics, and Running, each with tailored coverage terms. Core coverage types are public liability (up to £10m), personal accident and loss of earnings (up to £750/week for up to 52 weeks), sports equipment (with free £250 cover bundled), employers' liability, and professional indemnity for instructors. All policies are underwritten by Aviva Insurance Limited.
The technology layer is a digital self-serve platform — customers obtain quotes and purchase at quote.insure4sport.co.uk without broker intermediation, supported by SEO-optimised sport-category landing pages, a content-driven blog, an email newsletter, and a referral-a-friend programme. A free multi-sport cover add-on bundles access to the full 400+ activity catalogue under a single policy. Distribution operates on a direct-to-consumer basis with a complementary channel partnership with PureGym for member and instructor coverage.
Commercially, Insure4Sport earns revenue through recurring annual insurance premiums across three tiers (personal/participant, instructor/professional, team/organisation), plus referral-derived revenue from the voucher-based refer-a-friend programme. The company is part of the Ripe Group, which reported a 17th consecutive year of double-digit revenue growth in 2024 with turnover of £20.6 million (+16% YoY), strengthened by the 2024 acquisitions of GJW Direct and Schofields. Insure4Sport recorded its strongest month on record in January 2026, with new business up 25% year-on-year.
Insure4Sport firmographics
Firmographics- Name
- Insure4Sport
- Legal name
- Ripe Insurance Services Limited
- Website
- https://insure4sport.co.uk
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Insure4Sport is a UK specialist insurance broker (a trading brand of Ripe Insurance Services) arranging annual policies for over 400 sports and activities, serving individual participants, fitness instructors, personal trainers, sports coaches, gyms, and clubs underwritten by Aviva.
- Ownership category
- akta.pro rank
Insure4Sport industry classification
Industry- Product category
- Sports Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL)
Keywords
Where Insure4Sport is headquartered
LocationHeadquarters
- HQ city
- Manchester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Insure4Sport business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Premiums: Collection of insurance premiums from policyholders for sports, fitness, and related liability coverage. Policies available for individuals, instructors, and organizations with various coverage levels.
- Referral Revenue: Refer-a-friend program where existing policyholders can earn vouchers by referring friends who receive exclusive discounts
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Personal / Participant Insurance |
| Subscription | Annual | Instructor / Professional Insurance |
| Subscription | Annual | Team / Organization Insurance |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
Insure4Sport product offering
Product offeringCore offering
Insure4Sport is a UK specialist sports insurance broker (trading name of Ripe Insurance Services Limited) that arranges tailored insurance policies underwritten by Aviva Insurance Limited for over 400 sports and activities. It sells annual subscription-based policies covering public liability up to £10m, personal accident and loss of earnings, sports equipment, professional indemnity, and employers' liability to individual participants, fitness instructors, sports coaches, teams, clubs, gyms, and fitness studios. Free multi-sport cover is bundled with policies.
Product overview
Insure4Sport is a specialist UK sports insurance broker operating as part of the Ripe Group, offering a comprehensive portfolio of insurance products across multiple sports and activity categories. The product lineup centers on core insurance categories (Personal Trainer, Fitness Instructor, Sports Coach, Sports Team, Gym/Fitness Studio, Sports Club) supplemented by specialized activity-specific policies (Gym Member, Fitness Class, Pilates, Dance, Gymnastics, Running). Coverage types include Public Liability Insurance (up to £10m), Personal Accident & Loss of Earnings, Sports Equipment Insurance, and Employers' Liability. A key differentiator is the FREE Multi-Sports Cover add-on, which bundles access to over 400 sports under a single policy. All policies are underwritten by Aviva Insurance Limited. The company targets both individual participants and professional instructors/coaches, with products available for solo policies, instructor/coach policies (with Professional Indemnity), and team/group policies.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Trainer Insurance Specialist annual insurance policy for personal trainers covering public liability, professional indemnity, equipment protection, and personal accident.
- Fitness Instructor Insurance Annual insurance for fitness class instructors covering public liability, professional indemnity, employers' liability, and equipment cover.
- Players & Participants Insurance Annual sports insurance for individual players and participants covering personal accident, public liability, and loss of earnings.
- Sports Coaches Insurance Annual specialist insurance for sports coaches including public liability, professional indemnity, and employers' liability coverage.
- Sports Teams Insurance Annual group insurance coverage for sports teams covering multiple members under a single policy.
- Gym & Fitness Studios Insurance Annual comprehensive insurance for gyms and fitness studios including building, contents, public liability, employers' liability, and equipment coverage.
- Sports Clubs Insurance Annual insurance coverage for sports clubs including public liability, equipment, and group member protection.
- Gym Member Insurance Annual specialist insurance for gym members covering public liability up to £10m, personal accident, loss of earnings up to £750/week, equipment theft/damage, and worldwide cover. Distributed via the PureGym partnership.
- Fitness Class Insurance Annual insurance for fitness class instructors and participants covering yoga, Pilates, CrossFit, Boxercise, and other fitness activities. Includes professional indemnity up to £5m and employers' liability.
- Pilates Insurance Specialist annual insurance for Pilates practitioners and instructors covering mat Pilates, Reformer Pilates, and equipment-based classes. Includes public liability up to £10m and professional indemnity.
- Dance Insurance Annual insurance for dancers, dance instructors, and teams covering ballet, tap, jazz, belly dancing, and aerial dance. Includes public liability up to £10m.
- Gymnastics Insurance Annual insurance for gymnasts, coaches, and teams covering personal accident, public liability, equipment up to £50k, and professional indemnity for instructors.
- Running Insurance Annual insurance for runners, coaches, clubs, and running teams covering fell running, indoor running, cross country, marathons, and ultra-marathons. Includes personal accident, public liability, and equipment protection.
Quantifiable outcome
- New business volumes up 25% YoY in January 2026
- +2 more outcomes
Companies that use Insure4Sport
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
Insure4Sport technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Insure4Sport partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- PureGymcoreInsure4Sport has a partnership with PureGym to arrange insurance for their gym members. The partnership extends to both gym member insurance and fitness class instructor/participant coverage. This channel partnership provides access to PureGym's large UK member base.
- Aviva Insurance LimitedcoreAviva Insurance Limited is the underwriter for Insure4Sport insurance policies. This is a core insurance capacity partnership where Aviva provides the insurance capacity and financial backing for the policies arranged by Insure4Sport.
- MGAA (Managing General Agents' Association)coreRipe (parent company of Insure4Sport) joined the Managing General Agents' Association (MGAA), gaining a stronger voice in the delegated authority market. The MGAA is a trade association for UK-based MGAs.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Insure4Sport competitors and assessment
Company assessmentDirect peers
- Sportscover Direct: UK-based specialist sports insurance broker offering personal accident, public liability, and equipment cover for 100+ sports. Direct competitor to Insure4Sport in the niche sports/fitness broker segment with self-serve online quoting.
- Perkins Slade: UK broker specializing in sport, leisure, and fitness insurance for clubs, coaches, and participants. Closely comparable to Insure4Sport across target customer segments (gyms, clubs, individual participants) and underwriting approach.
- Activ8 Minds (Specialty Risk Group): Boutique UK sports insurance broker focused on instructors, personal trainers, and clubs. Closely comparable product set (PI, PL, PA) and target buyer (micro/SMB fitness professionals) to Insure4Sport's instructor segment.
- Bluefin Sport (Marsh Specialty): UK sports insurance broker (part of Marsh Specialty) focused on sports clubs, teams, and individuals. Closely comparable offering across public liability and personal accident, with similar digital distribution and partnerships with national governing bodies.
- Adventure Insurance (formerly PJ Hayman): UK specialist in adventure, activity, and travel insurance including sports participants and instructors. Comparable niche positioning, multi-activity bundling, and online quote platform to Insure4Sport.
Broad incumbents
- Endsleigh Insurance: UK general insurance broker with a prominent sports and personal accident offering across student, club, and individual participants. Larger scale and broader portfolio but overlapping customer base in sports and activities insurance.
- Hiscox UK: UK specialty insurer offering professional indemnity and liability cover targeting fitness professionals and small businesses. Strong overlap with Insure4Sport's instructor/coach PI products but operates as a direct carrier with broader small-commercial portfolio.
- Markel UK: UK specialty insurer with a strong sports, leisure, and entertainment book including clubs, teams, and instructors. Comparable to Insure4Sport on liability and accident products, but underwrites directly rather than acting as an MGA.
- Howden Insurance Brokers: Large UK insurance broker with a sports and leisure team serving professional clubs, governing bodies, and participants. Comparable customer segments (clubs, teams, coaches) but much broader portfolio across commercial and personal lines.
Emerging players
- Business Insurance Store: UK broker arranged via MGAs targeting niche sectors including fitness and sports instructors. Smaller scale than Insure4Sport but overlapping micro-SMB coverage models (online quote, multi-tier products).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Insure4Sport social profiles
Digital presenceInsure4Sport financial estimates
Financial estimateRevenue estimate
Valuation estimate
Insure4Sport leadership team
Management profileNumber of profiles
Profiles1 record
Insure4Sport funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Insure4Sport M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Insure4Sport
What does Insure4Sport do?
Insure4Sport is a UK specialist sports insurance broker (trading name of Ripe Insurance Services Limited) that arranges tailored insurance policies underwritten by Aviva Insurance Limited for over 400 sports and activities. It sells annual subscription-based policies covering public liability up to £10m, personal accident and loss of earnings, sports equipment, professional indemnity, and employers' liability to individual participants, fitness instructors, sports coaches, teams, clubs, gyms, and fitness studios. Free multi-sport cover is bundled with policies.
Is Insure4Sport a public or private company?
Insure4Sport is a private company. It is classified as corporate owned and is currently operating.
When was Insure4Sport founded?
Insure4Sport was founded in 2009. It employs 51 to 100 people.
Where is Insure4Sport based?
Insure4Sport is headquartered in Manchester, United Kingdom, in the Europe region.
How does Insure4Sport make money?
Two revenue lines are on record. Insurance Premiums are the primary driver. The others are referral Revenue.
Who are Insure4Sport's main competitors?
Direct peers on record are Sportscover Direct, Perkins Slade, Activ8 Minds (Specialty Risk Group), Bluefin Sport (Marsh Specialty) and Adventure Insurance (formerly PJ Hayman). Broad incumbents are Endsleigh Insurance, Hiscox UK, Markel UK and Howden Insurance Brokers. Business Insurance Store is listed as an emerging player.
Does Insure4Sport have an API?
No public API is recorded for Insure4Sport.
What industry is Insure4Sport in?
Insure4Sport's product category is Sports Insurance. Its primary akta.pro industry code is FSAJAJAL, Adventure Sports & High-Risk Activity Travel/Accident Insurance. Its NAICS code is 5242 and its SIC code is 6411.