What Quote Detective does

Quote Detective (legal entity: Next Risk Solutions Limited) is a UK-based specialist insurance broker focused exclusively on non-standard motor insurance — drivers who are declined or surcharged by mainstream providers due to convictions, cancelled policies, young age, prestige vehicles, impoundment, motor-trade activity, taxi or food-delivery work, or other complex risk factors. Founded in 2016 and headquartered in Pontypool, Wales, the company employs 100+ specialist underwriters ('detectives') operating across a sales-led model with dedicated call-centre lines for each product category plus online quote forms. The product portfolio spans eleven specialist lines including core car, taxi, van, motor trade, prestige (>£75k vehicles), impounded, fast-food delivery, short-term (via partner GoShorty), convicted driver, modified, and mini-fleet cover. Technology consists of an insurance brokerage platform with telematics integration (collecting acceleration, braking, swerving and journey data) and a customer portal for policy administration and document uploads.

The business model is brokerage commission: Quote Detective searches the market and places non-standard risks with insurers, earning commissions on policies written, supplemented by referral fees from premium-finance partners (Premium Credit Limited, Creation Finance, PremFina) and ancillary add-ons such as breakdown, key, replacement vehicle and tools-in-transit cover. Average premium is approximately £2,800; collective annual underwriting volume is £30m, with 100,000+ policies placed since founding. No revenue or ARR figure is publicly disclosed.

Distribution runs through direct phone sales, the company website, content/SEO marketing on niche risk topics, and price-comparison websites where Quote Detective is frequently the only quoting option for non-standard risks. The company is authorised and regulated by the FCA (No. 705135), is bootstrapped ('without loans or debt'), and has won the TM Business Awards in 2023 and 2024 along with the BusinessCloud InsurTech 50 listing in 2025.

Name

Quote Detective

Legal name

Next Risk Solutions Limited

Website

https://quotedetective.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Quote Detective is a UK specialist insurance broker (legal name: Next Risk Solutions Limited) placing non-standard motor policies for drivers declined by mainstream insurers, spanning car, taxi, van, motor trade, prestige, impounded, convicted-driver and food-delivery cover, across 100+ staff and 100,000+ lifetime policies.

Ownership category

akta.pro rank

Product category

Non-Standard Motor Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Non-standard motor insurance
• Specialist insurance broker
• High-risk driver insurance
• Convicted driver cover
• Prestige vehicle insurance

Headquarters

HQ city

Pontypool

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

Revenue model

1. Insurance Brokerage Commission: Quote Detective acts as an insurance broker earning commission from insurers for placing business. They search the market and provide exclusive quotes to customers. The company underwrites £30 million worth of insurance policies annually.
2. Premium Finance: The company offers monthly instalment payment options through finance partners (Premium Credit Limited, Creation Finance, PremFina). Customers pay an initial deposit plus monthly payments, with interest applicable to the loan.
3. Additional Insurance Products: Optional extras including breakdown cover, key cover, replacement vehicle cover, tools in transit cover, and employers/public liability insurance sold alongside core policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Quote Detective is a UK specialist insurance broker that arranges non-standard motor insurance for drivers and small businesses who are typically declined by mainstream insurers. It searches the market to provide tailored policies across car, taxi, van, prestige, motor trade, mini fleet, impounded vehicle, fast food delivery, convicted driver, modified car, and short-term cover, supported by human underwriters ('detectives'), telematics products, a customer portal, and premium finance partners.

Product overview

Quote Detective is a non-standard motor insurance broker offering a comprehensive portfolio of specialist insurance products. The core offering centers on Car Insurance for underserved drivers, with multiple specialized product lines including Taxi Driver Insurance, Prestige Car Insurance, Van Insurance, Motor Trade Insurance, Mini Fleet Insurance, Impounded Vehicle Insurance, Fast Food Driver Insurance, Short Term Car Insurance (via partner GoShorty), Convicted Driver Insurance, and Modified Car Insurance. The company operates a human-centric approach, using 'detective' methodology rather than algorithms to assess risk, providing tailored coverage for drivers who struggle to obtain insurance from mainstream providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Non-standard car insurance for drivers who do not fit mainstream insurers' criteria, covering those with previous claims, driving convictions, cancelled policies, young drivers, and other challenging risk profiles.
• Taxi Driver Insurance Specialist insurance for private hire, public hire, and chauffeur taxi drivers covering passenger-carrying vehicles, with flexible payments and optional add-ons such as employers/public liability and breakdown cover.
• Impounded Vehicle Insurance Short-term and annual insurance policies to help drivers retrieve vehicles from police compounds, including cover for those with IN10 (driving uninsured) convictions.
• Mini Fleet Insurance Consolidated policy covering 2-25 vehicles under one agreement with multi-vehicle discounts and optional Open Driving Policy coverage for businesses.
• Prestige Car Insurance Specialist insurance for high-value and high-performance vehicles over £75,000, including supercars, hypercars, and prestige brands such as Ferrari, McLaren, Rolls Royce, Bentley, Aston Martin, and luxury electric vehicles.
• Short Term Car Insurance Temporary vehicle cover delivered via partner GoShorty, ranging from 1 hour to 28 days, suitable for borrowing a car, test drives, learners, and gap cover between policies.
• Van Insurance Van insurance covering personal use, tradespeople, and couriers, with optional extras such as breakdown cover, tools in transit, and replacement vehicle.
• Motor Trade Insurance Comprehensive cover for motor trade businesses including car dealers, mobile mechanics, service/repair garages, tyre fitters, breakdown operators, valeters, classic car restorers, and body shops, subject to a minimum age requirement of 25.
• Fast Food Driver Insurance Specialist Hire and Reward insurance for fast food delivery drivers working with platforms such as Deliveroo, Uber Eats, and Just Eat, covering accidents, theft, and vehicle damage.
• Convicted Driver Insurance Motor insurance for drivers with motoring convictions, endorsements, and those declined by mainstream algorithms, providing cover that mainstream insurers refuse.
• Modified Car Insurance Specialist cover for vehicles with modifications including tinting, suspension changes, and engine modifications.

Quantifiable outcome

• 100,000+ motor insurance policies provided since 2016
• +1 more outcomes

Named customers7 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered supporting.

• GoShortysupportingChannel Partner/ Reseller/ DistributorPartnership for short-term car insurance products. Quote Detective refers customers needing temporary coverage (1 hour to 28 days) to GoShorty, an expert in short-term and temporary car insurance. Coverage includes borrowing a car, test driving, learning to drive, and gap coverage between policies.
• Admiral BusinesssupportingOthersClaims handling partner for Admiral Business customers. Admiral Business offers reduced excess for claims reported within 24 hours. Standard excess applies if not reported within 7 days.
• Fintech WalessupportingOthersProud member of Fintech Wales, a community supporting fintech and insurtech companies in Wales.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Swiftcover: Online UK motor insurance brand targeting non-standard drivers with simplified digital underwriting — competes with Quote Detective's car insurance proposition via the same PCW and digital channels.
• Adrian Flux: UK-based specialist insurance broker historically focused on non-standard and high-risk motor, home, and lifestyle insurance — almost identical niche to Quote Detective and a direct competitor for convicted, modified and prestige drivers.
• Sabre Insurance Group: UK motor insurer focused on private hire, taxi and non-standard drivers via a broker panel that includes Quote Detective-style brokers — direct competitor in taxi and non-standard specialist distribution.
• Hastings Direct: Major UK motor insurer/broker with a substantial non-standard and price-comparison-driven book; competes head-to-head with Quote Detective on PCWs for higher-risk drivers.
• Be Wiser Insurance: UK multi-line specialist broker with a particularly strong non-standard motor offering via PCWs — directly comparable in target market, distribution and product mix to Quote Detective.

Broad incumbents

• Swinton Insurance: Established high-street UK broker offering motor and other lines including non-standard drivers; broader portfolio than Quote Detective but competes for the same underserved, price-sensitive customers.
• Elephant Auto Insurance: Admiral Group brand offering UK motor insurance with a significant non-standard book via PCWs; broader portfolio than Quote Detective but same target customers and channels.

Emerging players

• Sureterm / GoShorty: UK short-term/temporary car insurance specialist already partnered with Quote Detective; focuses on temporary cover (1 hr to 28 days), overlapping with Quote Detective's short-term product line and customer base.
• Tempcover: UK temporary and short-term motor insurance specialist — competes with Quote Detective's short-term offering and shares the niche, non-standard customer mindset around flexibility and fast issuance.
• Marmalade: UK specialist insurer/broker focused on young drivers and learner drivers using telematics — directly overlaps with Quote Detective's young driver and telematics products and serves a similarly underserved segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

• Xx.com/QuoteDetective

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Quote Detective