Coplus

What Coplus does

Coplus, trading as Motorplus Limited, is a UK specialist ancillary insurance product manufacturer and claims services provider founded in 1991 and headquartered in Norwich. The company designs and distributes a portfolio of motor, property, and legal expenses insurance products (including Motor Legal Expenses, Motor Excess Protection, Replacement Vehicle Cover, Breakdown Cover, Home Emergency Cover, Gadget Insurance, and Landlord/Family/Commercial Legal Expenses) underwritten by capacity partners Allianz Legal Protection and Collinson, and it provides end-to-end claims services including Broker FNOL, Insurer and Fleet claims handling, Small Claims Handling, Third-Party Administration, and 24/7 Out-of-Hours Claims Handling. Coplus manages claims for over 2.5 million policyholders and operates 24/7/365 from Norwich.

The company's core technology stack is anchored by a proprietary Bespoke Claims Management System introduced in 2016, which provides real-time reporting, intelligent workflow automation, and multi-party integrations across the claims supply chain, complemented by the Brokerplus e-trading and product development platform launched in July 2022 that compresses ancillary product design-to-launch to approximately three months. Coplus applies AI and data augmentation at First Notification of Loss, using image recognition combined with historical repair and salvage valuation models to identify total-loss candidates earlier and shorten cycle times. The company is FCA-authorised (FRN 309657) and GDPR-compliant with an appointed Data Protection Officer.

Coplus operates a B2B go-to-market focused on insurance brokers, insurers, and fleet operators, distributing products through direct broker schemes, the Brokerplus e-trading platform, price-comparison partnerships (GoCompare), and affinity schemes (GoSkippy/Somerset Bridge, Tempcover). Revenue is generated through a combination of product commission from underwritten ancillary policies, claims handling and TPA service fees, and platform/transaction-related economics from Brokerplus. Strategic financial backing is provided by the Handl Group, and Coplus is led by Managing Director Jason Tripp with Sharon Straughan as Risk & Compliance Director. The company holds Gold Investors in People accreditation and has won multiple UK industry awards including the British Claims Training Award and Insurance Times Third Party Claims Management Team of the Year, both in 2019.

Name

Coplus

Legal name

Motorplus Limited

Website

https://coplus.co.uk

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Short description

Coplus is a UK specialist ancillary insurance product manufacturer and claims services provider, designing motor, legal, and property insurance products and delivering 24/7 FNOL, TPA, and claims handling for over 2.5 million policyholders through brokers, insurers, and fleet operators.

Ownership category

akta.pro rank

Product category

Ancillary Insurance & Claims Management

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Claims Intake & FNOL Support (BPAAAFAA)

Keywords

• Ancillary insurance products
• Claims handling services
• Legal expenses insurance
• First notification of loss
• Motor insurance add-ons

Headquarters

HQ city

Norwich

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Ancillary Insurance Product Manufacturing: Coplus designs and manufactures ancillary insurance products (motor, property, legal expenses) which are underwritten by partners (Allianz Legal Protection, Collinson). Revenue is generated through premiums collected on these insurance policies sold through distribution partners.
2. Claims Handling and TPA Services: Third-party administration and claims handling services provided to insurers, brokers, and fleet operators. Services include FNOL, small claims handling, TPA, and out-of-hours claims handling. Revenue is generated through service fees.
3. Distribution Technology (Brokerplus): Brokerplus platform enables electronic trading of ancillary insurance products for brokers, creating a digital distribution revenue stream through platform fees or transaction-based arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Coplus designs, manufactures and distributes a portfolio of ancillary insurance products across motor, legal and property lines, underwritten through partnerships with Allianz Legal Protection and Collinson. The company also provides end-to-end claims handling services — including First Notification of Loss (FNOL), small claims handling, third-party administration (TPA) and 24/7 out-of-hours claims — to insurance brokers, insurers and fleet operators. Distribution is delivered via direct broker schemes, the Brokerplus e-trading platform, price comparison websites and affinity schemes, with claims management powered by a proprietary Claims Management System introduced in 2016.

Product overview

Coplus is a specialist ancillary insurance, insurtech, and claims services provider operating in the UK market. The company offers a comprehensive portfolio of ancillary insurance products organized into three main categories: Legal Insurance (Motor Legal Expenses, Family Legal Expenses, Landlord Legal Expenses, Commercial Legal Expenses), Motor Insurance Products (Motor Excess Protection, Replacement Vehicle Cover, Breakdown Cover, Tools in Transit Insurance, Motor ADPA, Vehicle Protection, Bikers Protection), and Property Insurance Products (Home Emergency Cover, Home Excess Protection, Key Insurance, Household ADPA, Gadget Insurance, Tenant's Liability Insurance). These products are distributed through broker schemes and e-trading platforms. Coplus also provides end-to-end claims services including Broker FNOL, Insurers and Fleets claims handling, Small Claims Handling, Third Party Administration (TPA), and Out of Hours Claims Handling. The company operates a 24/7 contact center and manages claims for over 2.5 million policyholders. Strategic underwriting partnerships with Allianz Legal Protection and Collinson support the product portfolio. Key technology platforms include Brokerplus for rapid product development and Distribution Technology for e-trading.

Differentiator

Problem solved

Functional benefit

Brands

• Brokerplus: A platform associated with Coplus for broker services. Motorplus Limited trades as both Coplus and Brokerplus.

Products and services

• Motor Legal Expenses Legal expenses insurance covering motor accident claims, providing policyholders with legal support and representation for road traffic-related personal injury claims. Underwritten through Allianz Legal Protection and sold via broker and partner schemes.
• Family Legal Expenses Legal expenses insurance covering family-related legal matters including personal injury claims at home, underwritten with Allianz Legal Protection and distributed through UK brokers.
• Landlord Legal Expenses Legal expenses insurance protecting landlords against legal costs arising from property disputes, tenant issues and repossession, distributed via broker schemes.
• Commercial Legal Expenses Legal expenses insurance for commercial business clients covering legal costs for various business-related disputes, distributed through UK brokers.
• Motor Excess Protection Insurance product that covers the policyholder's motor insurance excess in the event of a claim, reducing out-of-pocket costs. Underwritten through Collinson and distributed via brokers and price comparison websites.
• Replacement Vehicle Cover Provides a replacement vehicle while the policyholder's vehicle is being repaired following an accident, sold as a motor ancillary product via broker schemes.
• Breakdown Cover Roadside assistance and recovery services for vehicles experiencing mechanical breakdown, underwritten through Collinson and distributed via UK brokers.
• Tools in Transit Insurance Insurance covering tools and equipment while in transit, protecting against theft or damage, sold to trades customers via brokers.
• Motor ADPA Insurance Accidental Death and Personal Accident insurance specifically designed for motor insurance policyholders, distributed via UK brokers (added to GoSkippy's portfolio in 2020).
• Vehicle Protection Additional protection products for vehicles beyond standard motor insurance coverage, distributed via UK brokers.
• Bikers Protection Specialist protection products for motorbike and scooter riders covering accidents and related risks, sold via broker schemes.
• Home Emergency Cover Emergency assistance for home emergencies including plumbing, electrical and heating issues with 24/7 response, underwritten through Collinson and sold via brokers.
• Home Excess Protection Covers the policyholder's home insurance excess in the event of a claim, reducing financial burden for retail customers.
• Key Insurance Insurance covering replacement of lost, stolen or damaged keys including locksmith costs, distributed through UK home insurance brokers.
• Household ADPA Insurance Accidental Death and Personal Accident insurance for home and household policyholders, distributed via broker schemes.
• Gadget Insurance Insurance coverage for electronic devices including smartphones, tablets, laptops and other gadgets against damage, theft and breakdown, sold via broker schemes.
• Tenant's Liability Insurance Insurance protecting tenants against liability for damage to rented property, distributed via broker schemes and let-property partners.
• Broker FNOL (First Notification of Loss) 24/7 First Notification of Loss service for brokers providing branded claims handling and triage at the critical first contact moment, with workflow automation and supply-chain system integrations.
• Insurers and Fleets Claims Handling Outsourced claims handling services for insurers and fleet operators managing motor claims, including branded representation and 24/7 contact centre operation.
• Small Claims Handling Specialist claims handling for low-value claims within the small claims track limit, delivered on behalf of insurers and brokers.
• Third Party Administration (TPA) Full third-party administration services for claims management on behalf of insurers and brokers, including case handling, MI and reporting.
• Out-of-Hours Claims Handling 24/7, 365-days-a-year claims handling services available outside standard business hours, delivered as a standalone service or part of FNOL support.
• Distribution Technology (E-Trading) E-trading platform and distribution technology enabling brokers and partners to access, configure and trade Coplus insurance products electronically.
• Brokerplus Platform Rapid go-to-market product development platform enabling quick design and launch of ancillary insurance products, reportedly cutting development time from design to launch to around three months. Motorplus Limited trades as both Coplus and Brokerplus.

Quantifiable outcome

• Training time reduced from 25 days to 10 days through agile training model
• +5 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core, key and standard.

• Allianz Legal Protection (ALP)coreStrategic or Co-development Partner · 18 January 2021Allianz Legal Protection, a trading name of Allianz Insurance plc (one of the largest general insurers in the UK), underwrites a full range of legal expenses products for Coplus including motor, family, landlord, and commercial legal expenses lines. This is a multi-year strategic arrangement supporting Coplus's continued growth in the legal expenses market where Coplus has operated for over 30 years.
• CollinsoncoreStrategic or Co-development Partner · 18 January 2021Collinson, a global travel, insurance and assistance solutions provider, underwrites Coplus's comprehensive assistance product range through its UK PRA authorised insurance entity. Products include Excess Protection, Home Emergency, Key Cover, and Breakdown Assistance. The partnership combines Coplus's distribution relationships with Collinson's underwriting capabilities and expertise in customer experience.
• GoComparekeyChannel Partner/ Reseller/ DistributorGoCompare selected Coplus and Your Space Distribution Technology for ancillary insurance distribution. Coplus also partnered with GoCompare to launch free excess protection for home insurance customers. This is a significant distribution channel bringing Coplus products to a large consumer audience through the comparison website.
• Adrian FluxkeyChannel Partner/ Reseller/ DistributorCoplus has been the outsourced claims partner for Adrian Flux for over 8 years, trusted to represent the Flux brand in motor claims handling. Coplus has specifically focused on removing complexity in the motor claims customer journey to give a simple First Call Resolution process.
• Somerset Bridge (GoSkippy)standardChannel Partner/ Reseller/ DistributorGoSkippy, a consumer brand from Somerset Bridge focused on motor insurance for private car, van, and bike owners, added Coplus's Accidental Death and Personal Accident (ADPA) product to their portfolio in 2020.
• TempcoverstandardChannel Partner/ Reseller/ DistributorTempcover partnered with Coplus to seek to reduce the price of temporary car insurance by integrating Coplus's ancillary motor insurance products into Tempcover's offering.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Davies Group: UK-headquartered claims solutions and insurance services provider offering TPA, claims handling, and adjusting across motor and specialty lines. Comparable to Coplus on outsourced claims handling, TPA, and technology-enabled FNOL services.
• DAS UK Group: UK legal expenses insurer and claims handler owned by ERGO. Directly comparable to Coplus on legal expenses product manufacturing and claims administration for motor, family, and commercial legal protection lines distributed via brokers.
• QuestGates: UK third-party claims administrator offering motor, liability, and specialist claims handling for insurers and brokers. Comparable to Coplus's claims services and TPA business line serving insurers, brokers, and fleet operators.
• Arc Legal Assistance: UK specialist legal expenses insurer and assistance provider, distributing through brokers and schemes. Highly comparable to Coplus on legal expenses and ancillary protection products marketed via the broker channel.
• ARAG UK: Provider of legal expenses insurance and claims services in the UK, including motor legal protection. Closely comparable to Coplus's legal expenses and ancillary product offering sold through broker and intermediary channels.

Regional players

• Markerstudy Group: UK motor insurance and distribution group owning brands including GoSkippy and Somerset Bridge. Comparable to Coplus as a UK motor insurance partner that both sells ancillary cover and outsources claims services, including direct partnerships with Coplus.

Emerging players

• First Central Group: UK motor insurer and MGA with a focus on niche motor segments and ancillary distribution. Adjacent peer sharing the UK motor value chain and ancillary product attach model that Coplus serves.

Broad incumbents

• Crawford & Company: Global claims management and TPA provider with established UK operations. Overlaps with Coplus on motor claims handling, TPA, and fleet claims services, though at a much larger scale and broader line-of-business scope.
• Sedgwick: Global claims management and loss adjusting firm with significant UK operations. Competes with Coplus on motor claims handling, TPA, and FNOL services as a larger, multi-line incumbent with broader geographic reach.

Others

• BGL Insurance (compare the market / LesFurets.com): UK price-comparison group behind compare the market. Adjacent peer: an aggregator distribution channel for ancillary insurance products analogous to GoCompare, which is one of Coplus's key distribution partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Coplus_UK
• LinkedInlinkedin.com/company/coplus
• Facebookfacebook.com/CoplusUK

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Coplus