Services · Ecommerce development · Insurance marketplaces

Insurance marketplaces for Manchester trades, students, fleets and freelancers.

Codeeo provides insurance marketplace website development Manchester brokers and insurtechs use to sell cover from several providers on one site. We build comparison for the risks this city produces in volume: tradespeople and van drivers, logistics firms around Trafford Park, students in shared houses, renters in city centre apartments and freelancers working out of MediaCityUK. Quotes, checkout or referral, provider onboarding and commission tracking all run from one platform your team controls.

Greater Manchester buys a lot of everyday cover and a fair amount of commercial cover. The marketplace has to make both fast to compare and simple to buy, while keeping the records an FCA-regulated firm needs. That balance between speed and evidence runs through every screen we design.

Built for
Brokers, comparison start-ups, MGAs and affinity schemes in Manchester and the wider Greater Manchester boroughs.
Typical timeline
Timing is set after discovery, when provider integrations, permissions and product lines are clear, and both sides sign the plan before design work starts.
What you own
All code, rating and ranking rules, provider files, commission data and customer records, under accounts in your company's name.
Rated
4.7 / 5 from 23 Google reviews

200+ companies servedFrom a first store to an ADX listed developer

Modon
Majid Al Futtaim
HP
Belkin
Dulsco Group
OneClickDrive
Hanayen
HMS
Clocksprings
Ghezlan

What we build

Marketplace features for the cover Manchester buys most.

Manchester's insurance demand is broad rather than exotic. A plumber in Stockport, a haulier in Trafford Park, three students sharing a terrace in Fallowfield and a camera operator at Salford Quays all need cover this week, and most of them will compare prices on a phone. That points to a marketplace that is quick on mobile, asks the fewest questions that still produce an accurate price, and explains differences between policies in plain English. Behind that front end, providers need clean risk data and your compliance team needs every disclosure, ranking decision and payment recorded. We start with one or two product lines that already sell well for you, connect the panel members who can quote automatically, and build out from there. The capabilities below are a typical first scope, not a fixed package.

Explain your project
  • Trades and van cover comparison

    Electricians, builders and plumbers compare public liability, tools in transit and van cover in one flow. The question set captures trade, turnover, subcontractor use and where tools are kept overnight, which is the detail providers price on and the detail customers most often get wrong. Trade-specific exclusions, such as hot works for plumbers, are shown before purchase.

    Tradespeople get accurate quotes in one visit.

  • Fleet and goods in transit quotes

    Logistics and distribution firms upload vehicle lists, driver details and claims history as a spreadsheet. The platform validates the file, flags gaps, and sends the risk to providers who write fleet business, with referral handling where an underwriter needs to review it. Mid-term vehicle changes can be added later through the customer account.

    Fleet submissions arrive complete and comparable.

  • Student and shared house contents

    With three universities in the city, many customers are students in halls or shared houses. The comparison checks whether halls already include cover, handles single-room locks and shared front doors, and shows laptop and bike limits clearly. Shared house policies list every named tenant so a claim by one does not stall.

    Students avoid paying twice or buying cover that will not respond.

  • Freelancer and production cover

    Media and creative freelancers need professional indemnity, equipment cover and short production policies. Products are compared by limit, territory and equipment value, and short-term policies can be bought for a single shoot. Day policies are issued instantly with documents sent to the customer's account. Contract requirements can be uploaded to check limits.

    Freelancers find cover that matches each contract.

  • Travel cover for airport departures

    Manchester Airport serves the whole of the North West, and many customers buy travel insurance days before they fly. Single trip and annual policies are compared by medical cover, cancellation limits and gadget cover, with pre-existing medical conditions screened through each provider's own process rather than a single generic form. Customers can see which providers cover winter sports or cruises before entering trip details.

    Travellers compare what matters before departure, not just the price.

  • Provider onboarding and checks

    New panel members apply online. Their Financial Services Register entry, appointed representative status and Companies House details are recorded, documents and wordings uploaded, and your compliance lead approves the listing before customers can see it. Authorisation status is rechecked on a schedule, and any change pauses the listing until your team reviews it.

    Every listed provider has a verified, current status.

  • Checkout, hand-off and instalments

    Customers either pay through your checkout, with Strong Customer Authentication on cards and Open Banking pay by bank, or are passed securely to the provider's own buying page. Monthly payments go through a regulated premium finance partner. Instalment plans show the APR from the finance partner before acceptance.

    The payment route matches how your firm handles premiums.

  • Commission statements and clawbacks

    Every sale, cancellation and mid-term change creates a ledger entry by provider and product. Providers download monthly statements, raise queries against specific lines and see adjustments when policies end early. Disputed lines stay visible to both sides until they are resolved and signed off. Statements export to your accounts package.

    Fewer arguments over what each provider owes.

  • Contact team console

    Many Manchester firms run busy phone and chat teams. Agents see the same quotes and documents the customer saw online, can resume a half-finished quote with consent, and record advice given, so phone and web sales share one audit trail. Call recordings stay in your telephony system and link to the quote record.

    Customers move between phone and web without starting again.

  • Reviews, complaints and feedback

    Only customers who bought or claimed can leave a review, and the moderation rules are published. Complaints are logged with deadlines, final responses and Financial Ombudsman Service details, and patterns are reported to the provider involved. Providers can reply publicly to reviews under the same rules.

    Trustworthy ratings and complaints that reach an outcome.

Good fit

Manchester firms that get the most from a marketplace.

The city has a deep pool of brokers, contact operations and insurtech start-ups, many of them grown out of the Spinningfields and Northern Quarter office scene. Insurance comparison platform development Manchester firms ask for tends to fall into the four patterns below. Each one changes the first release, so we agree which fits before scoping. Some clients combine two patterns over time, and the platform is built so that is possible.

01

A commercial broker serving SMEs and trades

You already place trades, property owners and small business cover across the boroughs, mostly by phone. A marketplace lets customers self-serve on simple risks while your brokers handle the complex ones, and the console keeps both channels on one record. Renewals are invited online, with prices taken from the same rating route new customers see. Commercial customers can also upload documents such as risk surveys or claims experience, which reach the broker handling the account rather than a shared inbox.

Brokers keep the advice work and lose the rekeying.

02

A comparison start-up targeting a niche

You want to own a segment, for example student lets, couriers or creative freelancers. We launch with a focused panel, measure quote completion and conversion from the first week, and add providers once you can show them real demand. Content pages explain each type of cover for that audience in plain language. Search pages for each product and audience are built to rank for the terms people in Greater Manchester actually use, without thin duplicate pages.

A small, measured first release.

03

An affinity scheme for a trade body or employer

A trade association, union or large employer wants members to compare cover on preferential terms. The marketplace sits behind a member login, shows only the scheme's products and partners, and reports take-up to the scheme organiser without exposing individual customers' data. Scheme rules, eligibility checks and member pricing are configured per scheme, so one platform can serve several organisers.

Member-only comparison with clear reporting.

04

A claims services marketplace

Some firms connect policyholders with repairers, loss assessors and accident management providers rather than selling policies. We build job posting, provider vetting, quoting, staged payments and payouts with your fee taken at source, plus a dispute process that holds money until the work is accepted. Repairers and assessors keep their own profiles, availability and service areas across the ten boroughs, and ratings come only from completed jobs.

Paid services with a proper audit trail.

Our approach for Manchester clients.

  1. 01Discovery by video callWe meet your distribution, compliance and finance leads online, confirm permissions and premium handling, and list the products with the most demand from your existing customers. We also review the old site's search traffic so valuable pages are not lost.
  2. 02Question set designFor each product we write the shortest question set that still gives providers accurate data, then check it with underwriters before any screen is drawn.
  3. 03Mobile-first prototypesCustomers test the comparison on phones, including on slow connections and with screen readers, and the flow changes until people finish without help.
  4. 04Integration and buildProvider APIs, payment processors, premium finance and your CRM are connected in a staging environment where panel members validate their prices. Failed provider calls are retried and logged rather than shown as missing prices.
  5. 05Compliance sign-offYour compliance officer reviews each regulated screen, disclosure and document template, and nothing ships without that approval recorded.
  6. 06Launch and tuneOld URLs redirect, existing customers are invited to their new account, and conversion, cancellations and complaints are reviewed regularly after launch.

Technology

What we build this with.

We commonly use Next.js for fast, indexable comparison pages, Laravel or Node for the services layer, PostgreSQL for the ledger and queues for provider calls. Hosting sits in UK regions where your data protection assessment requires, with logs kept for audit.

01Web

  • React
  • Next.js
  • TypeScript
  • Node.js
  • Laravel
  • WordPress

02Commerce

  • Shopify Plus
  • WooCommerce
  • BigCommerce
  • Headless storefronts

03Data and cloud

  • PostgreSQL
  • MySQL
  • MongoDB
  • AWS
  • Azure
  • Docker

04Marketing and tracking

  • GA4
  • Google Tag Manager
  • Search Console
  • Meta Pixel
  • Looker Studio

Manchester insurance marketplace FAQs.

It depends on the panel and permissions, and we agree it after discovery.

A single product line with a few providers on modern APIs moves faster than a multi-line platform where some insurers still quote by email. Premium collection, a contact team console and data migration all add time. We do not quote a duration before discovery; once the scope is clear, we write release dates into the plan and report against them at every stage review. Larger fleet or multi-line platforms are usually split into releases, so the most profitable product earns revenue while the rest is built.

Tell us what the business needs. We will tell you what to build first.

Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.

Get in touch

PROVEN RESULTS

4.7 / 5from 23 Google reviews