CIA Landlord Insurance

What CIA Landlord Insurance does

CIA Landlord Insurance is a UK-based independent insurance broker, trading under the legal entity CIA Insurance Services Ltd (FCA-authorised, No. 309407), headquartered in Rugby, Warwickshire. Operating for more than 25 years, the company specialises in landlord and buy-to-let insurance and operates a panel of 9 leading UK insurers (AXA, Covea, GEO Underwriting, and Pen Underwriting among them) to compare and place coverage for individual landlords, portfolio owners, HMOs, commercial rental properties, and niche tenant types (DSS, students, asylum seekers, professionals). The company has serviced over 1.6 million landlord policies over the last decade and reports a base of 140,000+ property owners, with a Trustpilot Excellent rating and a sales-led go-to-market combining a 24/7 online quote platform with a UK-based phone and callback sales team.

The product surface is anchored on landlord buildings and contents cover, loss of rent, property owners liability up to £5 million, and optional add-ons such as up to £50,000 Legal Protection for tenant eviction and a 24/7 legal helpline; adjacent lines include motorcycle insurance with 20+ years of broker experience and household insurance. Pricing is monthly subscription-style starting from £11.97 per month, with multi-property and portfolio discounts available. Underlying technology is an online quote and brokerage platform rather than proprietary underwriting models; revenue is generated via insurance brokerage commissions on placed policies with no disclosed software or SaaS revenue stream.

CIA Insurance Services Ltd is a subsidiary of Arthur J. Gallagher & Co. (AJG), a global insurance brokerage and risk management group, providing capital, regulatory, and panel access. The company is privately held with no public ticker and does not disclose revenue. Its 47-person team focuses exclusively on the UK market with no global footprint claim, and it has not raised external funding rounds.

Name

CIA Landlord Insurance

Legal name

CIA Insurance Services Ltd

Website

https://cia-landlords.co.uk

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

CIA Landlord Insurance is a UK independent insurance broker specialising in landlord and buy-to-let cover, comparing quotes across a panel of 9 insurers for individual and portfolio landlords; it also offers motorcycle insurance and is a subsidiary of Arthur J. Gallagher & Co.

Ownership category

akta.pro rank

Product category

Landlord Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)

Keywords

• Landlord insurance
• Buy-to-let insurance
• Rental property insurance
• Insurance brokerage services
• Motorcycle insurance

Headquarters

HQ city

Rugby

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, Others

Revenue model

1. Insurance Brokerage Commission: CIA Landlord Insurance operates as an independent insurance intermediary, earning commission from insurance providers when policies are placed. They combine and compare policies from multiple insurers including AXA, Covea, GEO Underwriting, and Pen Underwriting to find optimal coverage for customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

CIA Landlord Insurance is an independent insurance broker that arranges landlord and rental property insurance policies on behalf of UK property owners. The broker compares and places cover from a panel of nine leading insurers, delivering combined buildings, contents, liability, loss of rent, and tenant-related cover tailored to different property and tenant types. Policies are sold direct to landlords and small letting agencies via online quotes and phone-based service.

Product overview

CIA Landlord Insurance is an independent insurance broker specializing in landlord insurance with 25+ years of experience. The company offers a comprehensive portfolio of insurance products centered around landlord coverage, including core products like Landlord Buildings Insurance, Landlord Contents Insurance, Rental Property Insurance, Buy-to-Let Insurance, and Landlord Flat Insurance. Additional specialized products cover various property types (Listed Building, Multiple Property, UK Holiday Home, Unoccupied Property, HMO, Commercial Landlord) and tenant types (DSS Tenants, Students, Professionals, Asylum Seekers). The company also offers Motorcycle Insurance and Scooter Insurance as additional product lines. Core offerings can be enhanced with optional add-ons including Legal Protection (up to £50,000 for tenant eviction costs) and a 24-hour Legal Helpline. Insurance policies are provided through their panel of insurers including AXA, Covea, GEO Underwriting, and Pen Underwriting. The company differentiates through whole-market comparison, independent advice, and tailored policies rather than a single unified software platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Landlord Insurance
• Landlord Buildings Insurance
• Landlord Contents Insurance
• Rental Property Insurance
• Buy To Let Insurance
• Landlord Flat Insurance
• Unoccupied Property Cover
• Listed Building Insurance
• Multiple Property Insurance
• UK Holiday Home Insurance
• HMO Property Insurance
• Commercial Landlord Insurance
• Unoccupied Commercial Property Insurance
• Student Landlord Insurance
• DSS Tenants Insurance
• Professionals Tenants Insurance
• Asylum Seekers Tenants Insurance
• Household Insurance
• Motorcycle Insurance

Quantifiable outcome

• Over 1.6 million landlord policies serviced in 10 years
• +3 more outcomes

Named customers4 records

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

Four partnerships are on record, tiered core.

• AXAcoreChannel Partner/ Reseller/ DistributorAXA is one of the insurers on CIA's panel, providing landlord insurance products that CIA distributes as an independent broker. AXA Let claims contact: 0330 024 8087.
• CoveacoreChannel Partner/ Reseller/ DistributorCovea is one of the insurers on CIA's panel providing landlord insurance products. Abacus Covea claims contact: 0330 024 2255.
• GEO UnderwritingcoreChannel Partner/ Reseller/ DistributorGEO Underwriting is one of the key insurers on CIA's panel. GEO Underwriting claims: 01708 777 710.
• Pen UnderwritingcoreChannel Partner/ Reseller/ DistributorPen Underwriting is one of the insurers on CIA's panel. Pen Underwriting claims: 01403 321 394.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Simply Business: UK online commercial insurance broker (part of Travelers) that includes landlord insurance among its small-business products; overlaps with CIA in self-serve online quote funnel and panel-based placement.

Broad incumbents

• Aviva UK: UK general insurer with a substantial home and landlord insurance franchise; comparable incumbent at scale, providing direct competition on standard BTL buildings and contents cover.
• Direct Line Group: UK general insurer (Direct Line, Churchill, Privilege) offering landlord and home insurance as part of a broad personal lines portfolio; competes with CIA for vanilla BTL buildings and contents cover.
• Towergate Insurance: Large UK commercial and personal lines broker offering landlord and property investor cover; comparable broader broker rival with similar panel-based distribution model.
• NFU Mutual: UK mutual insurer offering residential and landlord insurance; comparable broader incumbent competing in rural and traditional landlord segments where CIA also operates.
• Arthur J. Gallagher & Co. (UK Retail): Global insurance brokerage parent of CIA itself; provides the broader institutional context, shared back-office, and consolidation backdrop in which CIA operates as a UK specialist landlord brand.

Direct peers

• Hamilton Fraser: UK landlord insurance and property protection specialist offering landlord insurance, rent guarantee, and tenant-related cover; directly comparable niche proposition to CIA for landlords and HMOs.
• HomeLet: UK specialist landlord and tenant insurance provider; closest direct peer to CIA, offering buy-to-let buildings, contents, rent guarantee, and tenant referencing under a similar niche-focused proposition.
• Endsleigh Insurance: UK insurance broker with dedicated landlord and tenant products; comparable to CIA on multi-channel broker distribution and panel-based quoting for landlord cover.
• Cover4Let (BioPak underwriters / Covéa): UK online landlord insurance specialist focused on buy-to-let buildings, contents, and landlord liability; competes head-to-head with CIA on price-comparison and direct online quotes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cia-insurance

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 CIA Landlord Insurance