Services · Ecommerce development · Insurance marketplaces
Codeeo handles insurance marketplace website development UK operators need when they want to put several insurers, brokers or service providers in front of consumers and small businesses on one site. We build the quote and comparison engine, the provider onboarding and verification flow, the hand-off or checkout that takes the premium, and the commission ledger behind it. Every regulated screen is designed so your compliance team can show the FCA how a customer reached the policy they bought.
A marketplace earns its money from introductions, commission and fees, so the platform is built around accurate quotes, clean provider data and an audit trail you can rely on when a renewal, a complaint or a commission query lands months later.
200+ companies servedFrom a first store to an ADX listed developer
What the marketplace includes
An insurance marketplace is three products sharing one database. Customers want a fair comparison and a quick, honest way to buy. Providers want qualified business, accurate data about the risk and prompt commission statements. Your own team wants proof: who saw which price, which documents were served, and why a provider appeared in a given order. We design for all three from the first workshop, and we treat the regulated steps as product features rather than legal small print. The FCA rulebook decides a great deal of the layout. ICOBS sets what information a customer must receive before buying, the Insurance Product Information Document has to be served for general insurance, and the general insurance pricing practices rules mean a renewal quote for home or motor cover cannot exceed the equivalent new business price. Consumer Duty then asks you to evidence good outcomes, so the platform records them as it goes. The list below is the usual starting set; your panel, products and permissions decide the final scope.
A single risk question set feeds every panel member through their API, rating tables or a broker's own engine. Results are ranked by rules you can explain, with cover limits, excesses and optional extras shown side by side rather than hidden behind a headline premium.
Customers compare like for like, and the ranking logic is on record.
Insurers, brokers and MGAs apply through a guided form. The platform checks the Financial Services Register entry and the Companies House record, stores agreements and product wordings, and holds the listing until your compliance reviewer signs it off.
No provider goes live without a checked authorisation status.
Demands and needs statements, product information documents, policy wordings and your own status disclosure are generated per quote and stored against the customer record, with a timestamp showing exactly when each one was served.
Every sale carries the documents ICOBS requires.
Depending on your model, the customer either buys on the provider's own page or pays through your checkout. Card payments follow Strong Customer Authentication, Open Banking pay by bank is available where providers accept it, and monthly instalments route to a regulated premium finance provider.
Payment matches your permissions and how premiums are held.
Each policy sold produces a commission line by provider, product and channel. Cancellations within the cooling off period, mid-term adjustments and clawbacks flow back automatically, and providers receive monthly statements they can reconcile against their own systems.
Commission disputes are settled from data, not spreadsheets.
Panel members log in to update product details, appetite rules, documents and contact routes, see the leads and sales attributed to them, download commission statements and raise queries. Changes to anything a customer sees wait for your approval before they publish, so a provider cannot quietly alter wording that was signed off.
Providers serve themselves while you keep control of what goes live.
Renewal reminders show the new premium beside last year's, explain how to cancel auto-renewal, and draw renewal prices from the same rating route used for new customers, so the equivalent new business price rule can be demonstrated.
Renewal pricing you can defend to the regulator.
Verified policyholder reviews are collected only after a purchase or claim, and the moderation rules are published. Complaints are logged with the eight-week clock, the final response and the Financial Ombudsman Service referral wording when a case stays unresolved.
Feedback is genuine and every complaint has an owner.
Cookie consent meets PECR before any tracking fires, marketing permissions are captured separately from the quote, and subject access or erasure requests are handled from the admin under UK GDPR. Forms follow WCAG 2.2, and customers can flag support needs so someone in vulnerable circumstances reaches a person before buying.
Personal data handling the ICO would recognise as deliberate.
Dashboards show quote volumes, completion rates, prices offered against prices accepted, cancellations, claims declined by provider and complaint themes, split by product, channel and customer group. The same data feeds the annual Consumer Duty board report and the fair value reviews your product governance process asks providers to share.
Outcome evidence is produced by the platform, not assembled by hand.
Who this suits
A national marketplace has to work for a flat in Belfast, a semi in Swansea and a van fleet outside Glasgow, all in the same release. Scots law, Northern Ireland's separate motor market and the flood exposure of particular postcodes all affect which questions are asked and which providers can quote. Insurance comparison platform development UK operators commission usually begins with one of four starting points. These are the operators we most often build for, and what the platform has to do differently for each.
You already compare motor or home cover and want to add pet, travel or small business insurance. We build the new question set, connect the extra panel members and keep the ranking rules separate per product, so changes to one line do not disturb the conversion of another. Data you already hold is reused only where the consent covers it. Each panel member's results are tested against their own rating before go-live.
New lines launch without rebuilding the old ones.
Your network sells through many smaller firms. The marketplace gives each appointed representative its own branded storefront on shared infrastructure, while the principal sees every sale, every disclosure and every complaint in one oversight view, as the FCA expects of a principal.
Oversight of the whole network from one admin.
You write under delegated authority and want a public channel alongside your broker partners. We build quote and buy for your own products, a referral path for risks outside appetite, and bordereaux exports in the format your capacity providers ask for. Capacity limits, territorial restrictions and referral triggers sit in configuration your underwriters control.
Direct sales that still respect the binder.
Some marketplaces sell services rather than policies: repairers, surveyors, loss assessors or legal expenses partners. Here we build job posting, provider vetting, fixed or quoted pricing, staged payments and payouts with your fee deducted at source. Disputes over workmanship get a structured process with evidence uploads and a hold on the payout until it is resolved.
Paid services handled with the same audit trail as policies.
Working together
Codeeo has delivered 200+ projects across the UAE and the US, with a team of 80+ across Dubai, Riyadh and Karachi, and is rated 4.7 from 23 Google reviews. We have no UK office. Discovery, design reviews and release sign-offs run by video call with your product, compliance and finance leads, and your compliance officer approves every regulated screen before it reaches production. Cost depends on the number of panel members and how they quote, whether you collect premiums yourself, the number of product lines, the depth of the provider portal and how much legacy data needs migrating. For a national operator, a rollout often goes one region or product at a time, so early data from the first release shapes the questions and provider order used in the next.
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
We usually pair a Next.js front end with a Laravel or Node service layer, a relational database for the commission ledger and queues for provider calls that time out. Hosting sits in UK or EU regions, and the choice is documented for your data protection impact assessment. Provider credentials sit in a secrets manager, never in code.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
A quote engine, a provider portal, a regulated checkout or hand-off, and a commission ledger.
We start with your FCA permissions and business model, then build the customer quote and compare flow, the onboarding route for insurers and brokers, the payment or referral step, and the ledger that tracks commission and clawbacks. Around that sit reviews, complaints, consent management and reporting. The first release usually covers one product line nationally, with more lines and providers added in later stages once the core flow is proven. Insurance marketplace website design runs in parallel, so the brand, comparison tables and buying screens are tested together rather than bolted on.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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