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市場調查報告書
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2116271

英國保險科技：市場佔有率分析、產業趨勢與統計及成長預測（2026-2031）

United Kingdom Insurtech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3個工作天內

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簡介目錄

根據 Mordor Intelligence 估計，英國保險科技市場在 2026 年的價值將達到 535.3 億美元，高於 2025 年的 495.1 億美元，預計到 2031 年將達到 791.2 億美元。

預計從 2026 年到 2031 年，其複合年成長率將達到 8.12%。

英國保險科技市場-IMG1

本報告按產品線（人壽保險、健康保險、產物保險(P&C)、其他）、銷售管道（直接針對消費者 (D2C) 數位管道、聚合商、數位仲介、其他）和最終用戶（個人、中小企業、大型企業、政府部門）進行細分。市場預測以美元 (USD) 計價。

英國保險科技市場的趨勢與洞察

按使用量計費的汽車保險滲透率正在提高。

2024年，汽車保險保費下降17%，平均降至777英鎊，而理賠支出卻飆升至117.1億英鎊，這給利潤率帶來了壓力，並推動了遠端資訊處理技術的應用。這種變化在17至18歲的駕駛群體中尤為顯著，由於他們的駕駛行為風險較低，保費降低了23%，這引發了人們對傳統人口統計定價模式的質疑。英國金融行為監理局（FCA）的保費融資改革影響了超過2,000萬名保單持有人，進一步凸顯了數據驅動的公平價值定價的必要性，並提高了保險公司採取行動的緊迫性。為了因應這些趨勢，保險公司正增加對物聯網設備、進階分析系統和擴充性雲端解決方案的投資，以提高營運效率和定價準確性。敏捷的保險科技公司正在利用這些進步搶佔市場佔有率，而老牌保險公司則面臨與舊有系統和技術債相關的挑戰。因此，依賴即時數據和個人化定價的「消費型保險」產品正成為提高盈利的關鍵手段。這一趨勢正在重塑英國保險科技市場，促進創新和競爭，因為保險公司都在努力滿足不斷變化的消費者期望和監管要求。

加速開放型保險監管

到2026年，法律規範）的目標是全面運作開放式保險平台，目前試點計畫已在進行中，旨在檢驗和完善此框架。該平台利用標準API，方便第三方無縫存取數據，大幅降低消費者轉換成本，並為原生支援API的公司在競爭激烈的市場環境中創造成功機會。將於2024年生效的《消費者義務》（Consumer Duty）要求保險公司，尤其是封閉式保險產品，不僅要遵守流程，更要向客戶展示真正可衡量的成果。為應對這一法規，保險公司已率先推出增值型GAP保險，並提供更清晰、更透明的諮詢披露信息，以加深客戶理解。嵌入式平台能夠充分利用這些變化，因為其架構本身就支援即時資料共用、互通性和開放標準合規性，使其與不斷發展的保險生態系統完美契合。

英國退出GDPR後，資料隱私合規成本上升

英國和歐盟法規結構的細微差異為跨境業務營運帶來挑戰，並要求企業遵守雙重法規。兩國都對演算法透明度有嚴格的要求，導致小規模的保險科技公司面臨不成比例的高昂法律和審計成本。 《數位營運彈性法案》(DORA) 的實施進一步增加了網路安全義務，尤其加強了對雲端服務供應商的監管。英國和歐盟資訊專員辦公室 (ICO) 在執法和處罰的時間表和機制上的差異，進一步加劇了企業策略規劃的複雜性。因此，許多新創企業優先考慮在英國市場擴張，然後再進軍歐盟市場。這雖然限制了它們的短期目標市場，但有助於節省財務資源和營運能力。

細分市場分析

到2025年，產物保險（P&C）將佔保費收入的36.15%，並構成英國保險科技市場的基礎，其中汽車保險和住宅保險要么是強制性的，要么是廣泛提供的。然而，創紀錄的汽車索賠和平均保費下降17%正給利潤率帶來壓力，迫使保險公司提高效率並實現業務多元化。同時，專業險種正以每年12.05%的速度成長，預計到2031年，這一成長速度將使其在英國保險科技市場的佔有率不斷擴大。 FloodFlash致力於填補580億英鎊的家庭保障缺口，利用感測器在數小時內支付與洪水相關的保險索賠。 Coalition進軍網路保險領域以及ManyPets專注於涵蓋慢性疾病的寵物保險，都顯示了小眾創新者如何填補新的保障空白。

敏捷的市場參與者正利用新興風險（例如網路威脅、參數化氣候變遷挑戰和新的責任問題）所帶來的定價不確定性。這些風險增加了定價模型的複雜性，為創新市場參與企業創造了獲得競爭優勢的機會。參數化觸發機制使投保人能夠立即獲得保險賠付，避免與理賠員進行冗長的糾紛，從而提高客戶滿意度和營運效率。 Qantev 超額認購的資金籌措輪凸顯了投資人對專業險種數據驅動模式的濃厚興趣，反映出他們對該產業成長潛力的信心。此外，監管機構對產品創新的支持，以及勞合社的「Blueprint 2」數位化計劃，正在透過減少低效環節和提高透明度來簡化專業險種的承保流程。因此，專業險種的保費收入成長速度正日益超過持續停滯的產物保險（P&C），並正在重塑承保人才的組成，同時推動對具備新興風險和高級分析專業知識的專家的需求。

其他好處：

  • Excel格式的市場預測（ME）表
  • 3個月的分析師支持

目錄

第1章：引言

  • 研究假設和市場定義
  • 調查範圍

第2章：調查方法

第3章執行摘要

第4章 市場狀況

  • 市場概覽
  • 市場促進因素
    • 基於使用情況提高汽車保險滲透率
    • 加速制定開放銀行型「開放保險」的監理規定
    • 通貨膨脹給現有保險公司帶來了削減成本的壓力。
    • 大量利用人工智慧技術實現保險理賠自動化的新創公司湧現。
    • 透過嵌入式銷售管道，為尚未開發的中小企業提供網路風險保險。
    • 英國農業氣候相關參數產品
  • 市場限制因素
    • 英國退出GDPR後，資料隱私合規成本上升
    • 大型保險公司面臨的持續挑戰是如何整合舊有系統和核心系統。
    • 投資者撤資導致B輪及以後的保險科技公司面臨資金短缺。
    • 再保險公司不斷提高的免賠額限制了它們提供創新保險產品的能力。
  • 價值供應鏈分析
  • 監理情勢
  • 技術展望
  • 波特五力模型
  • 投資和資金籌措趨勢

第5章 市場規模與成長預測

  • 按產品線（保險類型）
    • 人壽保險
    • 健康保險
    • 產物保險（P&C）：汽車保險、住宅保險、商業保險、責任險。
    • 專業保險（例如，網路保險、寵物保險、船舶保險、旅遊保險等）
  • 透過分銷管道
    • 直接面對消費者 (D2C) 數字
    • 聚合器/市場
    • 數位仲介/MGA
    • 嵌入式保險平台
    • 傳統代理人/仲介（數位轉型）
    • 銀行保險（數位化相容）
    • 其他頻道
  • 最終用戶
    • 零售/個人
    • 中小企業/公司
    • 大型公司/企業
    • 政府/公共部門

第6章 競爭情勢

  • 市場集中度
  • 策略趨勢
  • 市佔率分析
  • 公司簡介
    • Zego
    • Marshmallow
    • ManyPets（Bought By Many）
    • By Miles
    • Urban Jungle
    • Superscript
    • Tractable
    • Cytora
    • Concirrus
    • Wrisk
    • DeadHappy
    • Inshur
    • FloodFlash
    • Policy Expert
    • Brolly（AXA）
    • Hokodo
    • Laka
    • Trov

第7章 市場機會與未來展望

簡介目錄
Product Code: 72216

According to Mordor Intelligence, the UK insurtech market size in 2026 is estimated at USD 53.53 billion, growing from 2025 value of USD 49.51 billion with 2031 projections showing USD 79.12 billion, growing at 8.12% CAGR over 2026-2031.

United Kingdom Insurtech - Market - IMG1

This report is Segmented by Product Line (Life Insurance, Health Insurance, Property & Casualty (P&C), and More), Distribution Channel (Direct-To-Consumer (D2C) Digital, Aggregators, Digital Brokers, and More), and End User (Retail, SME, Large Enterprise, and Government Sector). The Market Forecasts are Provided in Value (USD).

United Kingdom Insurtech Market Trends and Insights

Rising Penetration of Usage-Based Motor Insurance

Motor premiums fell 17% to an average of GBP 777 in 2024, while claims ballooned to GBP 11.71 billion, creating margin pressure that propels telematics uptake. This shift is particularly evident among drivers aged 17-18, who are now benefiting from a 23% reduction in premiums due to their lower-risk behavior, challenging traditional demographic-based pricing models. The FCA's review of premium finance, which affects over 20 million policyholders, has further highlighted the need for data-backed fair-value pricing, adding urgency for insurers to adapt. In response to these dynamics, insurers are increasingly investing in IoT devices, advanced analytics stacks, and scalable cloud solutions to enhance operational efficiency and pricing accuracy. Agile insurtech companies are leveraging these advancements to gain an early market share, while established players face challenges related to legacy systems and technological debt. Consequently, usage-based insurance products, which rely on real-time data and personalized pricing, are becoming a critical profitability lever. This trend is reshaping the UK's insurtech market, driving innovation and competition as insurers strive to meet evolving consumer expectations and regulatory demands.

Acceleration of Open-Insurance Regulation

By 2026, the Joint Regulatory Oversight Committee aims to launch live open-insurance rails, with pilot measures already in motion to test and refine the framework. These rails will leverage standard APIs to facilitate seamless third-party data access, significantly reducing switching costs for consumers and creating opportunities for API-native firms to thrive in a competitive landscape. Starting in 2024, the Consumer Duty mandates insurers to demonstrate genuine and measurable outcomes for their customers, moving beyond mere process compliance, particularly for closed products. Initial responses to this regulation include the introduction of value-enhanced GAP policies and the provision of clearer, more transparent advisory disclosures to improve customer understanding. Embedded platforms are well-positioned to capitalize on these changes, as their architecture is inherently designed to support real-time data sharing, interoperability, and adherence to open standards, making them a natural fit for the evolving insurance ecosystem.

Data-Privacy Compliance Costs Post-UK GDPR Divergence

Cross-border operations face challenges due to nuanced differences between the UK and EU regulatory frameworks, necessitating dual compliance. Smaller insurtech companies encounter disproportionately high legal and audit costs, as both jurisdictions enforce stringent algorithmic transparency requirements. The implementation of the Digital Operational Resilience Act (DORA) introduces additional cybersecurity obligations, particularly tightening the oversight of cloud service providers. Variations in the timing and structure of ICO enforcement and penalties between the UK and EU further complicate strategic planning for businesses. Consequently, many start-ups prioritize scaling within the UK market before expanding into the EU, which limits their short-term addressable market but helps conserve financial resources and operational capacity.

Other drivers and restraints analyzed in the detailed report include:

  1. Incumbent Insurers' Cost-Out Mandates Amid Inflation
  2. Surge in AI-Led Claims-Automation Start-Ups
  3. Persistent Legacy-Core Integration Hurdles at Tier-1 Insurers

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

P&C produced 36.15% of 2025 premiums, anchoring the UK insurtech market because the motor and home cover is compulsory or widely purchased. Yet, record motor claims and a 17% average premium fall constrain margins, compelling carriers to boost efficiency and diversify. Specialty Lines meanwhile grow 12.05% annually, a pace that widens their share of the UK insurtech market size through 2031. FloodFlash uses sensors to pay flood claims in a few hours, tackling a GBP 58 billion domestic protection gap. Coalition's cyber expansion and ManyPets' focus on chronic-care pet insurance illustrate how niche innovators fill emerging coverage voids.

Agile players are capitalizing on pricing uncertainties stemming from emerging risks like cyber threats, parametric climate challenges, and novel liabilities. These risks introduce complexities in pricing models, creating opportunities for innovative market participants to gain a competitive edge. With parametric triggers, policyholders receive immediate payouts, sidestepping protracted disputes with loss adjusters, which enhances customer satisfaction and operational efficiency. The robust investor interest in data-driven models within Specialty Lines is highlighted by Qantev's recent oversubscribed fundraising round, reflecting confidence in the sector's growth potential. Furthermore, a regulatory embrace of product innovation, paired with Lloyd's Blueprint Two digitization efforts, is streamlining the specialty placement process by reducing inefficiencies and improving transparency. As a result, Specialty Lines are poised to increasingly overshadow the sluggish growth of P&C premiums, reshaping the underwriting talent landscape and driving demand for professionals with expertise in emerging risks and advanced analytics.

Complete Report Scope:

  • By Product Line (Insurance Type)
    • Life Insurance
    • Health Insurance
    • Property & Casualty (P&C): Motor, Home, Commercial, Liability, etc.
    • Specialty Lines (e.g., cyber, pet, marine, travel)
  • By Distribution Channel
    • Direct-to-Consumer (D2C) Digital
    • Aggregators/Marketplaces
    • Digital Brokers/MGAs
    • Embedded Insurance Platforms
    • Traditional Agents/Brokers (digitally enabled)
    • Bancassurance (digitally enabled)
    • Other Channels
  • By End User
    • Retail/Individual
    • SME/Commercial
    • Large Enterprise/Corporate
    • Government/Public Sector

List of Companies Covered in this Report:

  1. Zego
  2. Marshmallow
  3. ManyPets (Bought By Many)
  4. By Miles
  5. Urban Jungle
  6. Superscript
  7. Tractable
  8. Cytora
  9. Concirrus
  10. Wrisk
  11. DeadHappy
  12. Inshur
  13. FloodFlash
  14. Policy Expert
  15. Brolly (AXA)
  16. Hokodo
  17. Laka
  18. Trov

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 Introduction

  • 1.1 Study Assumptions & Market Definition
  • 1.2 Scope of the Study

2 Research Methodology

3 Executive Summary

4 Market Landscape

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Rising penetration of usage-based motor insurance
    • 4.2.2 Acceleration of open-banking style "open-insurance" regulation
    • 4.2.3 Incumbent insurers' cost-out mandates amid inflation squeeze
    • 4.2.4 Surge in AI-led claims automation start-ups
    • 4.2.5 Untapped SME cyber-risk cover via embedded distribution
    • 4.2.6 Climate-linked parametric products for UK agriculture
  • 4.3 Market Restraints
    • 4.3.1 Data-privacy compliance costs post-UK GDPR divergence
    • 4.3.2 Persistent legacy-core integration hurdles at Tier-1 insurers
    • 4.3.3 Investor pull-back driving capital scarcity for Series-B+ insurtechs
    • 4.3.4 Rising reinsurer retentions limiting innovative capacity
  • 4.4 Value / Supply-Chain Analysis
  • 4.5 Regulatory Landscape
  • 4.6 Technological Outlook
  • 4.7 Porter's Five Forces
    • 4.7.1 Bargaining Power of Suppliers
    • 4.7.2 Bargaining Power of Buyers
    • 4.7.3 Threat of New Entrants
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Competitive Rivalry
  • 4.8 Investment & Funding Landscape

5 Market Size & Growth Forecasts

  • 5.1 By Product Line (Insurance Type)
    • 5.1.1 Life Insurance
    • 5.1.2 Health Insurance
    • 5.1.3 Property & Casualty (P&C): Motor, Home, Commercial, Liability, etc.
    • 5.1.4 Specialty Lines (e.g., cyber, pet, marine, travel)
  • 5.2 By Distribution Channel
    • 5.2.1 Direct-to-Consumer (D2C) Digital
    • 5.2.2 Aggregators/Marketplaces
    • 5.2.3 Digital Brokers/MGAs
    • 5.2.4 Embedded Insurance Platforms
    • 5.2.5 Traditional Agents/Brokers (digitally enabled)
    • 5.2.6 Bancassurance (digitally enabled)
    • 5.2.7 Other Channels
  • 5.3 By End User
    • 5.3.1 Retail/Individual
    • 5.3.2 SME/Commercial
    • 5.3.3 Large Enterprise/Corporate
    • 5.3.4 Government/Public Sector

6 Competitive Landscape

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles
    • 6.4.1 Zego
    • 6.4.2 Marshmallow
    • 6.4.3 ManyPets (Bought By Many)
    • 6.4.4 By Miles
    • 6.4.5 Urban Jungle
    • 6.4.6 Superscript
    • 6.4.7 Tractable
    • 6.4.8 Cytora
    • 6.4.9 Concirrus
    • 6.4.10 Wrisk
    • 6.4.11 DeadHappy
    • 6.4.12 Inshur
    • 6.4.13 FloodFlash
    • 6.4.14 Policy Expert
    • 6.4.15 Brolly (AXA)
    • 6.4.16 Hokodo
    • 6.4.17 Laka
    • 6.4.18 Trov

7 Market Opportunities & Future Outlook

  • 7.1 White-space & Unmet-need Assessment