cover-more insurance services
Cover-More Insurance Services is a UK and Ireland-based, multi-brand direct-to-consumer insurance platform offering travel, car hire excess, pet, wedding, and gadget insurance under brands such as MultiTrip and Blue Insurance, operating as a subsidiary of Zurich Insurance Group since 2017.
- Company typePrivate
- Founded-
- HeadquartersUxbridge, United Kingdom
- Headcount1–10
- GTM typeB2C
- OfferingServices
What cover-more insurance services does
Cover-More Insurance Services is a UK and Ireland-based consumer insurance distribution platform that operates a portfolio of multiple direct-to-consumer insurance brands across several niche verticals, including travel insurance, car hire excess, pet insurance, wedding insurance, and gadget insurance. The platform protects approximately 17 million people annually and operates across more than 15 countries spanning 5 continents, indicating a globally distributed assistance and claims infrastructure — most prominently leveraged through the travel insurance line. The company has accumulated more than 20 years of operating history in the UK and Irish consumer insurance market.
Following its 2017 acquisition by Zurich Insurance Group, Cover-More Insurance Services operates with the balance-sheet backing and regulatory infrastructure of a major global insurer. The business is dually regulated by the UK Financial Conduct Authority and the Central Bank of Ireland, which enables cross-jurisdiction product distribution. Its go-to-market model is direct-to-consumer via dedicated brand websites (e.g., MultiTrip, Blue Insurance) targeting mass-market retail customers purchasing individual policies rather than enterprise or group contracts. Revenue mechanics are driven by premium underwriting, commission, and ancillary fees across the multi-vertical product set, with each brand functioning as a distinct customer acquisition channel and positioning vehicle.
The platform's core commercial proposition is segment-specific product positioning within fragmented consumer insurance niches where incumbents have limited focus, allowing it to build brand recognition and customer acquisition efficiency in categories (e.g., car hire excess, wedding, gadget) that are too small for major insurers to prioritise individually. The Zurich parent provides reinsurance capacity, capital, and integration into a broader international insurance group, while the multi-brand wrapper structure preserves the targeted, niche positioning that has been built over two decades.
cover-more insurance services firmographics
Firmographics- Name
- cover-more insurance services
- Legal name
- Cover-More Insurance Services Ltd
- Website
- https://covermore.co.uk
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cover-More Insurance Services is a UK and Ireland-based, multi-brand direct-to-consumer insurance platform offering travel, car hire excess, pet, wedding, and gadget insurance under brands such as MultiTrip and Blue Insurance, operating as a subsidiary of Zurich Insurance Group since 2017.
- Ownership category
- akta.pro rank
cover-more insurance services industry classification
Industry- Product category
- Specialty Consumer Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Pet Insurance (FSAJAKAG)
Keywords
Where cover-more insurance services is headquartered
LocationHeadquarters
- HQ city
- Uxbridge
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
cover-more insurance services business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Marketing or Sales, Personnel, Technology or R&D, Infrastructure
Revenue model
- Travel Insurance: Cover-More Europe generates revenue primarily through insurance premiums collected from travel insurance policies sold to individual consumers across their brand portfolio (MultiTrip, Blue Insurance, annualtravelinsurance.com, greatcover.com). Policies provide coverage for trip cancellations, medical emergencies, and travel disruptions with 24/7 worldwide assistance support.
- Car Hire Excess Insurance: Revenue from car hire excess insurance products sold through brands including carhireexcess.com and icarhireinsurance.com. These policies cover the excess amount travelers are liable for when renting vehicles.
- Pet Insurance: Pet insurance products offered through petinsurance.ie and Insureyourpaws.co.uk, generating premiums from pet owners seeking veterinary coverage and related protections.
- Specialty Insurance Products: Revenue from niche insurance products including wedding insurance (covermywedding.co.uk), gadget insurance (gadgetinsurance.com), and other specialty coverage categories targeting specific consumer needs.
Go-to-market motion1 record
Distribution channels8 records
Marketing channels3 records
cover-more insurance services product offering
Product offeringCore offering
Cover-More Insurance Services sells specialty consumer insurance products — principally travel insurance, car hire excess insurance, and pet insurance — alongside adjacent niche lines such as wedding and gadget insurance, each marketed under its own consumer brand. The company also provides 24/7 worldwide assistance services to support policyholders with claims and emergencies while traveling. Coverage is sold directly to individuals, primarily across the UK and Ireland, and the business is regulated by the Financial Conduct Authority and the Central Bank of Ireland.
Product overview
Cover-More Europe operates as a multi-brand insurance platform offering insurance products across three core sectors: travel, car hire excess, and pet insurance. The portfolio consists of 10 distinct branded products organized by geographic market (Ireland and UK). The platform functions as a unified insurance provider under the Cover-More Group (part of Zurich Insurance Group since 2017), with each brand serving specific market segments and product categories. Brands include MultiTrip (travel), Blue Insurance (multi-product), Annual Travel Insurance, GreatCover, CarHireExcess.com (car hire), iCarHire Insurance (car hire), PetInsurance.ie (pets), InsureYourPaws (pets), GadgetInsurance.com (gadgets), and CoverMyWedding.co.uk (weddings). The organization provides 24/7 travel assistance and protection for 17 million people annually across 15+ countries on 5 continents.
Differentiator
Problem solved
Functional benefit
Brands
- MULTITRIP: Travel insurance brand serving customers in Ireland and UK
- Cover-More Blue Insurance
Products and services
- Travel insurance (MultiTrip / Annual Travel Insurance / greatcover.com) Single-trip and annual multi-trip travel insurance policies for individual consumers traveling from the UK/Ireland, sold via the MultiTrip, Annual Travel Insurance and greatcover.com brands.
- Car hire excess insurance (carhireexcess.com / iCarHireInsurance) Excess reimbursement and related coverage for individuals renting cars, marketed under the carhireexcess.com and iCarHireInsurance consumer brands.
- Pet insurance (petinsurance.ie / InsureYourPaws) Pet health insurance policies for individual pet owners, sold under the petinsurance.ie and InsureYourPaws brands covering the Ireland and UK markets.
- Wedding insurance (CoverMyWedding) Insurance coverage for individual couples to protect their wedding investment, sold under the CoverMyWedding consumer brand.
- Gadget insurance (GadgetInsurance.com) Insurance coverage for personal electronic devices such as phones, tablets and laptops, sold under the GadgetInsurance.com consumer brand.
- 24/7 worldwide assistance service Around-the-clock emergency assistance and claims support for policyholders traveling or living across more than 15 countries on five continents.
- Blue Insurance multi-product offering Multi-product specialty insurance offering for individual consumers, marketed under the Blue Insurance consumer brand.
Quantifiable outcome
- 17 million people protected every year
- +2 more outcomes
Companies that use cover-more insurance services
Customer profileSegments4 records
Ideal customer profiles1 record
cover-more insurance services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
cover-more insurance services partnerships and signals
Strategic signalScale indicators4 records
Recent moves4 records
Expansion highlights4 records
cover-more insurance services competitors and assessment
Company assessmentDirect peers
- InsureandGo: UK-focused travel insurance provider offering single-trip, annual, and backpacker policies. Directly comparable in product category, geographic market, and direct-to-consumer distribution model.
- Staysure: UK travel insurance specialist focused on the over-50s segment. Comparable as a UK-domiciled, direct-to-consumer travel insurance brand with similar product structure and distribution approach.
- World Nomads: Specialist travel insurance provider for independent and adventure travelers; a direct peer in travel insurance, also part of the Zurich/Cover-More family following Zurich's acquisition of Cover-More, making it an internal sister brand and most direct comparable in product and customer profile.
- Petplan: Leading UK and Irish pet insurance provider offering veterinary coverage for cats and dogs. Directly comparable to Cover-More's petinsurance.ie and Insureyourpaws brands across product, market, and customer base.
- AllClear Travel Insurance: UK specialist travel insurance provider for customers with pre-existing medical conditions. Comparable as a niche UK travel insurance brand operating in the same regulatory and consumer market as Cover-More's travel brands.
Emerging players
- Many Pets (Bought By Many): Digital-first UK pet insurance insurtech offering subscription-based policies. Comparable as a UK pet insurance competitor using a different (tech-led) go-to-market model that may pressure Cover-More's pet brands over time.
Broad incumbents
- Direct Line Group: Major UK general insurance group (Direct Line, Churchill, Privilege) selling motor, home, and travel insurance direct to consumers. Comparable as a broad UK incumbent with direct-to-consumer reach and overlapping travel insurance offering.
- Aviva: Major UK general and life insurance group offering home, motor, travel, and pet coverage. Comparable as a broad incumbent with overlapping consumer insurance products and significant UK/Ireland distribution scale.
- Admiral Group: Leading UK personal lines insurer (Admiral, Diamond, Elephant) operating direct-to-consumer and price comparison channels. Comparable as a UK incumbent in consumer insurance with overlapping distribution strategy.
- Allianz Travel: Global insurer's travel insurance division offering travel, annual, and family policies in the UK. Comparable as a broad incumbent with overlapping travel insurance products and similar pan-European scale ambitions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
cover-more insurance services social profiles
Digital presencecover-more insurance services compliance and trust
Trust signalCompliance3 records
cover-more insurance services financial estimates
Financial estimateRevenue estimate
Valuation estimate
cover-more insurance services leadership team
Management profileNumber of profiles
cover-more insurance services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
cover-more insurance services 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 cover-more insurance services
What does cover-more insurance services do?
Cover-More Insurance Services sells specialty consumer insurance products — principally travel insurance, car hire excess insurance, and pet insurance — alongside adjacent niche lines such as wedding and gadget insurance, each marketed under its own consumer brand. The company also provides 24/7 worldwide assistance services to support policyholders with claims and emergencies while traveling. Coverage is sold directly to individuals, primarily across the UK and Ireland, and the business is regulated by the Financial Conduct Authority and the Central Bank of Ireland.
Is cover-more insurance services a public or private company?
cover-more insurance services is a private company. It is classified as corporate owned and is currently operating.
When was cover-more insurance services founded?
cover-more insurance services was founded in -1. It employs 1 to 10 people.
Where is cover-more insurance services based?
cover-more insurance services is headquartered in Uxbridge, United Kingdom, in the Europe region.
How does cover-more insurance services make money?
Four revenue lines are on record. Travel Insurance is the primary driver. The others are car Hire Excess Insurance, pet Insurance and specialty Insurance Products.
Who are cover-more insurance services's main competitors?
Direct peers on record are InsureandGo, Staysure, World Nomads, Petplan and AllClear Travel Insurance. Many Pets (Bought By Many) is listed as an emerging player. Broad incumbents are Direct Line Group, Aviva, Admiral Group and Allianz Travel.
Does cover-more insurance services have an API?
No public API is recorded for cover-more insurance services.
What industry is cover-more insurance services in?
cover-more insurance services's product category is Specialty Consumer Insurance. Its primary akta.pro industry code is FSAJAKAG, Pet Insurance. Its NAICS code is 524126 and its SIC code is 6331.