Delivering the world’s most intelligent property insurance

Avantia is the technology-enabled insurer behind HomeProtect. We’re on a mission to make insurance available to everybody, not just those whose risks are easy to price. And we’re combining unique data with bleeding edge technology and a capital-light virtual insurance model to do just that.

Technology and data that sets us apart

A rating engine and machine learning platform that rapidly adapts to new data sources, enabling risk and retail price optimisation across the UK’s broadest home insurance footprint.

The UK's largest automated home
underwriting footprint

Top quartile
loss ratio

Double digit growth in
share and profitability

Using streaming technology to deliver
lightning-fast quote speed

Data

A uniquely predictive data set built up over a decade that constantly fuels and improves our risk and retail pricing engines

Automated
underwriting

A rules engine optimised over ten years to deliver an unmatched footprint that digitally quotes 97% of the UK home market

Risk
Pricing

Machine learning models that make full use of our data and underwriting footprint

Revenue
optimisation

Proprietary retail pricing tools that intelligently adapt to market feedback and enable a range of pricing strategies

Delivery
Focus

Technology specialists embedded in business teams enable rapid innovation and delivery cycles so we can develop and deploy innovations more quickly than the competition

Technology
platform

Unique Cortex machine learning platform that can be applied to solve any business or insurance problem

Delivering every day

Ever since our launch in 2002, we have been combining our unique approach to data with a relentless focus on technological innovation to offer insurance to customers with some of the most complex needs. Our consumer brand, HomeProtect continues to go from strength to strength.

One of the UK’s largest and fastest growing books of non-standard home business
Direct to customer acquisition model across aggregator and direct channels
End to end customer experience including claims and service
Responsive risk and retail pricing to manage the volatility in high volume channels
A fully digital underwriting experience even for the most complex circumstances