Services · Ecommerce development · Insurance marketplaces
Codeeo takes on insurance marketplace website development London businesses commission when one insurer is not enough for their customers. We build platforms where couriers, private hire drivers, landlords, freelancers and growing companies compare cover from several insurers, MGAs and Lloyd's coverholders, then buy or get referred in a few clear steps. Behind the public site sit provider onboarding, quote integrations, commission tracking and the compliance records an FCA-regulated distributor has to keep.
London is where specialist capacity and demanding customers meet. A good marketplace turns that depth of choice into a short, honest comparison instead of an inbox of broker emails, and pays every party what it is owed.
200+ companies servedFrom a first store to an ADX listed developer
Platform features
The London market behaves differently from the rest of the country. A large share of residents rent, many work for themselves, delivery and ride-hailing work runs around the clock, and much of the capacity for unusual risks is written by MGAs and Lloyd's syndicates within a short walk of Lime Street. A marketplace here has to handle specialist products that do not fit a standard rating table as well as simple contents cover that customers expect to buy in minutes. So we design two speeds into the same platform: instant quote and buy where providers price automatically, and a structured referral route where an underwriter needs to look at the risk. Both routes share one record, so your team, your providers and the FCA see the same history. The features below are the usual core; your products and panel set the final list. Consumer Duty applies to every product on the panel, so each feature also records the information you need to show customers are getting fair value and the support they need.
Private hire drivers licensed by Transport for London need hire and reward cover before they can work, and couriers need goods in transit protection. Question sets capture licence details, vehicle use and platforms worked, and only providers whose appetite fits are asked to quote.
Drivers see real prices for the work they actually do.
Many boroughs run additional or selective licensing schemes for rented homes. Landlords enter the property type, number of tenants and licence status, and the comparison filters out policies that exclude houses in multiple occupation or unoccupied periods.
Fewer declined claims caused by the wrong policy type.
When a risk falls outside automatic appetite, the platform packages the answers, documents and loss history into a submission and routes it to chosen MGAs or coverholders, with response deadlines and a clear status the customer can follow online.
Complex risks still get quoted without leaving the platform.
Professional indemnity, public liability, cyber and office contents for consultants, creative studios and tech start-ups, quoted together where providers allow it, with each policy's limits and exclusions shown separately so nothing is buried in the bundle.
Small firms buy several covers in one sitting.
Each insurer, MGA or broker joining the panel is checked against the Financial Services Register, its permissions and appointed representative status recorded, and its product wording reviewed by your team before the listing goes public. Status is rechecked on a schedule, and a change pauses the listing.
Only checked providers appear in results.
Card checkout with Strong Customer Authentication, pay by bank through Open Banking, and monthly payments routed to a regulated premium finance partner. Where providers sell on their own pages, a secure hand-off carries the quote across and reports the sale back.
Payment fits your permissions and each provider's process.
The ledger records commission per policy and any broker fee, disclosed in the headline price as the drip pricing rules require. Cancellations, mid-term changes and refunds adjust the ledger automatically and roll into monthly provider statements. Statements export to your accounting system.
Revenue you can reconcile to the penny.
London's communities speak dozens of languages. Guidance pages and quote help can be published in the languages your audience needs, while regulated documents stay in the approved English wording so nothing is lost in translation. Language choice is remembered for each account.
More customers understand what they are buying.
Reviews come only from customers who bought or claimed, under published moderation rules. Complaints are logged with their deadlines, final responses and Financial Ombudsman Service wording, and themes are reported back to the provider concerned.
Honest ratings and complaints that never go missing.
Tenants in flats from Hackney to Wandsworth compare contents cover by the items they own, not by a guessed total. Bikes, laptops, jewellery and instruments are listed individually, single item limits are checked against each policy, and the comparison flags where an item would need to be specified separately to be covered away from home.
Renters avoid buying cover that falls short on the things they value.
Who it is for
London clients rarely start from scratch. Most have a book of business, a set of provider relationships and an old site or portal that cannot grow. Insurance comparison platform development London firms need usually means connecting that existing world to a public marketplace without losing the trust built with providers. These four starting points are the most common, and each one changes where we begin. Whichever applies, we look first at the data you already hold and the consent attached to it, because that decides what can move to the new platform.
Your team rings or emails insurers for every quote. We digitise the products where providers have APIs, keep a referral route for the rest, and give your brokers a console showing every live quote, so the expertise of the team is kept while routine cover sells itself online. Commission splits between the firm and individual brokers are tracked too, so team pay and provider statements come from the same numbers.
Brokers spend time on advice, not data entry.
You have spotted an underserved group, perhaps e-bike riders, gig workers or tenants in new-build blocks, and want a marketplace for it. We build a lean first release with a small panel, measure quote completion and conversion, and extend the panel as providers see the volume. Analytics are set up from the first day with consent, so you can show prospective panel members real quote demand rather than projections.
A focused launch providers can trust from the start.
You underwrite for Lloyd's or company capacity and want a direct route for simple risks. The platform sells your products online, refers anything outside appetite, and exports bordereaux in the layout your capacity providers already accept. Underwriters adjust appetite, referral triggers and declinature wording themselves, without waiting for a developer release.
Direct business that stays within the binding authority.
A letting agent, car club or delivery app wants to offer insurance at the right moment. We build a branded marketplace module that compares eligible products, while the regulated activity sits with an authorised partner whose status is shown to customers. Customers move from the host app to the comparison and back without re-entering details they have already given.
Cover offered in context, with clear regulatory roles.
Engagement
Our team of 80+ works from Dubai, Riyadh and Karachi and has delivered 200+ projects across the UAE and the US, with a 4.7 rating from 23 Google reviews. We do not have a London office, so workshops, design reviews and sign-offs happen by video call. What shapes cost is the number of providers and how they quote, how many products need a referral route, whether you collect premiums, the languages you publish in and the data you bring from older systems. Each stage has a written scope, acceptance criteria and a named approver on your side, so nobody is surprised by what a release contains. After launch, support and further releases are agreed in writing rather than assumed.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
A typical stack is Next.js on the front, Laravel or Node services behind it, PostgreSQL for the ledger and message queues for provider calls. We host in UK regions where your data protection assessment asks for it and log every quote request for audit. Search pages are server rendered so they load quickly and index well.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
With your regulatory status and the first product line.
We confirm whether you are directly authorised, an appointed representative or partnering with a regulated firm, because that decides who shows which disclosure and who can take money. Then we pick the product with the clearest demand and the most automated providers, often landlord, courier or small firm cover, and build that end of the platform first. Insurance marketplace website design runs alongside, so comparison tables and buying screens are tested with Londoners rather than guessed.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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