Comfort Insurance

What Comfort Insurance does

Comfort Insurance (legal entity: Victor Millwell Insurance Agency Limited) is a UK-based insurance intermediary founded in 1995, specializing in motorhome and campervan insurance. The company is FCA-regulated (Firm Reference Number 300281) and operates from a single headquarters in Dagenham, UK, with a sales-led model combining a UK-based call centre and an online self-service quote system. Its core product portfolio centers on motorhome and campervan annual policies (starting from £260 and £165 respectively), with the Defaqto 5 Star-rated Horizon Motorhome & Campervan Policy and the Twilight Campervan Policy as flagship offerings. Supporting products include temporary insurance (1 hour to 30 days), specialist sub-brand coverage (professional conversions, self-build, classic, VW campervans), and ancillary home, travel, and car insurance.

The company operates as a broker rather than a risk carrier, placing business primarily with Aviva under a long-term partnership with jointly developed products, and also distributing Allianz and Ageas products. Revenue is generated through insurance commissions on premiums placed plus arrangement and administration fees (£35 for new business, renewals, and mid-term alterations; £40–£45 cancellation fees). Distribution combines direct phone sales, online self-service, comparison websites, motorhome dealer networks, and a strategic partnership with Camplify (UK's leading RV sharing platform).

Comfort Insurance is a privately held family business with 11-50 employees, no external institutional investment, and no parent company. It has been recognized as Insurance Provider of the Year on 12 different occasions by What Motorhome, with most recent wins in 2025 across both motorhome and campervan categories. The company maintains BIBA and National Caravan Council memberships and reports 98.3% claims paid out in 2025 per Aviva. There is no proprietary technology platform and no disclosed AI/ML capabilities; the technology stack consists of standard digital quoting systems and insurance industry infrastructure.

Name

Comfort Insurance

Legal name

Victor Millwell Insurance Agency Limited

Website

https://comfort-insurance.co.uk

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Comfort Insurance is a UK-based insurance intermediary founded in 1995, specializing in motorhome, campervan, and temporary recreational vehicle insurance distributed via call centre, online portal, and partnerships including Camplify and Aviva.

Ownership category

akta.pro rank

Product category

Specialist Motorhome and Campervan Insurance

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Travel Insurance & Assistance (Corporate) (THACANAH)

Keywords

• Motorhome insurance
• Campervan insurance
• Temporary vehicle insurance
• Recreational vehicle insurance
• Insurance brokerage services

Headquarters

HQ city

Dagenham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Comfort Insurance acts as an insurance intermediary earning commission from insurers for placing business. Customers pay annual insurance premiums which include Insurance Premium Tax where applicable. They also offer premium finance options through their credit broker arrangement.
2. Arrangement Fees and Charges: Non-refundable administration charges including £35 for new business, £35 for renewals, £35 mid-term alterations, £35 duplicate documents, £35 for Green Card issuance. Cancellation fees of £40 within cooling off period and £45 outside cooling off period.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Comfort Insurance is a UK specialist insurance intermediary that places motorhome, campervan, and short-term temporary recreational vehicle insurance with underwriters led by Aviva. The company also distributes ancillary home, travel, and car insurance products and offers optional breakdown cover, acting as the customer-facing broker while underwriting risk sits with its insurance partners.

Product overview

Comfort Insurance is a specialist motorhome and campervan insurance provider operating as a family-run business with over 30 years of experience. The company offers a comprehensive portfolio centered on vehicle insurance products, with Motorhome Insurance and Campervan Insurance as core offerings. Supporting products include Temporary Motorhome & Campervan Insurance for short-term hires, plus ancillary Home, Travel, and Car Insurance. The flagship policies are the Horizon Motorhome & Campervan Policy and Twilight Campervan Policy, both featuring EU travel coverage and personal effects protection. Optional add-ons include M/C Assist Breakdown Cover, Professional Conversions coverage, Self-Build Campervan Conversion Insurance, Classic Campervan Insurance, and VW Campervans coverage. The company operates through a long-term partnership with Aviva and is FCA regulated.

Differentiator

Problem solved

Functional benefit

Brands

• Horizon Motorhome & Campervan Policy: Main insurance policy product for motorhomes and campervans with Defaqto 5 Star rating
• Twilight Campervan Policy
• M/C Assist Breakdown Policy

Products and services

• Motorhome Insurance Specialist motorhome insurance offering comprehensive coverage for UK motorhome owners, including up to £5,000 cover for personal effects and belongings, generator coverage, EU travel as standard, and windscreen/window protection.
• Campervan Insurance Comprehensive campervan insurance policy covering up to 90 days of EU travel as standard, with unlimited window and windscreen cover, personal effects, generator, and fixed awnings coverage. Specialised variants exist for professional conversions, self-builds, classic campervans, and VW campervans.
• Temporary Motorhome & Campervan Insurance Short-term insurance cover for borrowing or hiring motorhomes and campervans, available for periods between 1 hour to 30 days with fully comprehensive cover as standard. Purchased quickly online or through comparison websites without affecting the owner's annual policy.
• Home Insurance Home insurance coverage offered as an additional insurance product for Comfort Insurance's existing motorhome and campervan customers.
• Travel Insurance Travel insurance coverage offered as an additional insurance product for Comfort Insurance's existing motorhome and campervan customers.
• Car Insurance Car insurance coverage offered as an additional insurance product for Comfort Insurance's existing motorhome and campervan customers.
• Motorhome Breakdown Cover Optional breakdown cover for motorhomes providing roadside assistance, recovery, and European breakdown cover via ARAG and Call Assist partners.
• Campervan Breakdown Cover Optional breakdown cover for campervans providing roadside assistance, recovery, and European breakdown cover via ARAG and Call Assist partners.

Quantifiable outcome

• 98.3% of claims were paid out in 2025

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• AvivacoreStrategic or Co-development PartnerLong-term relationship with Aviva, one of the UK's largest insurers. Many products are jointly developed with Aviva. Comfort Insurance is proud to be working with Aviva, the UK's largest insurance provider, to provide specialist Motorhome & Campervan Insurance cover.
• ARAGminorChannel Partner/ Reseller/ DistributorARAG provides breakdown cover for motorhome and campervan policies. Emergency roadside repairs and European breakdown cover available as optional extra on insurance policies.
• Call AssistminorChannel Partner/ Reseller/ DistributorCall Assist provides breakdown assistance services for motorhome and campervan insurance policies through their UK and European breakdown coverage.
• BIBA (British Insurance Brokers Association)minorOthersBIBA member - British Insurance Brokers' Association, the leading general insurance intermediary organization in the UK.
• NCC (National Caravan Council)minorOthersNCC member - National Caravan Council, the representative body for the UK caravan and motorhome industry.
• CamplifycoreGTM or Marketing PartnerPartnership with UK's leading Recreational Vehicle sharing platform. Camplify connects motorhome and campervan owners with renters. Comfort Insurance provides exclusive insurance products for Camplify users, enabling owners to rent out their vehicles with proper coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/comfortcove
• Facebookfacebook.com/ComfortInsurance
• Instagraminstagram.com/comfort_insurance
• LinkedInlinkedin.com/company/comfort-insurance-uk

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 Comfort Insurance