# pH Innovate

> Insurance technology platform group serving brokers, insurers, and price comparison websites across the UK

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | South Wales, UK |
| Founded | 2018 |
| Stage | Growth |
| Employees | 151-200 |
| Funding | Bootstrapped |

## Overview

pH Innovate Group is an insurtech solutions provider offering insurance trading platform technology for brokers, insurers, and price comparison websites in the UK and EMEA. Founded in 2018 in South Wales by David Harlow and Stephen Peck, the company builds and operates technology platforms that enable businesses to deploy and scale insurance operations without building core infrastructure from scratch.

The company operates through a group structure encompassing a B2B SaaS platform (Next Venture Technologies), a consumer-facing non-standard motor insurance brand (Quote Detective), and a niche motor insurance price comparison service (QuoteTheMarket.com). In 2026, the group launched Three Castles Cover, a new brand providing private car and commercial vehicle insurance backed by rated carrier capacity. The platform leverages an API-first architecture, machine learning for pricing and automation, and configurable workflows designed for rapid deployment.

pH Innovate serves 50+ customers and partners and reported GBP 12M in gross written premium through its Quote Detective brand. As of early 2025, the company announced expansion plans targeting 75 new hires across South Wales, with discussions underway with potential investors to fund growth.

## Products & services

### Next Venture Technologies \(Insurance Platform\)

A B2B SaaS platform that enables brokers, insurers, and price comparison websites to build and operate insurance businesses using pre-built, configurable technology. The platform functions as a build-your-own insurtech foundation, serving both internal pH Innovate brands and external enterprise customers.

**Key features:**

- API\-first architecture for integration with brokers and carriers
- Machine learning for pricing optimisation and process automation
- Data enrichment from multiple trusted sources
- Configurable workflows for rapid deployment
- Supply chain integration across the insurance distribution chain

*Target users:* Brokers, insurers, price comparison websites

### Quote Detective \(Non\-Standard Motor Insurance\)

A UK-based consumer insurance brand specialising in non-standard motor segments, including high-risk drivers, young drivers, and taxi insurance. FCA-regulated and backed by the Next Venture Technologies platform.

**Key features:**

- Non\-standard motor insurance focused on underserved segments
- Machine learning\-driven market niche identification
- Data management service for sales resource allocation
- GBP 12M gross written premium, GBP 1\.8M turnover

*Target users:* UK consumers seeking non\-standard motor cover

### QuoteTheMarket\.com \(Niche Motor Price Comparison\)

A price and product comparison service focused on specialist motor insurance categories not typically available through mainstream comparison platforms, including taxi, courier, and multi-vehicle products.

**Key features:**

- Niche and non\-standard motor product comparison
- Specialist cover unavailable through mainstream aggregators
- Powered by Next Venture Technologies platform infrastructure

*Target users:* UK consumers seeking specialist motor insurance

### Three Castles Cover \(Private and Commercial Motor Insurance\)

Launched in 2026, a new brand offering private car and commercial vehicle insurance for underserved customer segments, backed by rated carrier capacity from The New India Assurance Company Ltd.

**Key features:**

- Private and commercial motor insurance
- Backed by rated carrier \(The New India Assurance Company Ltd\)
- Focused on underserved motor segments

*Target users:* UK consumers and businesses seeking motor insurance

## Category & focus

- Subcategories: Insurance Trading Platform, Build\-Your\-Own Insurtech, Price Comparison
- Insurance verticals: P&C Personal, P&C Commercial, Specialty/E&S
- Target customers: Brokers, Carriers, MGAs/MGUs, Consumers

## Notable customers

- Quote Detective \(internal brand\)
- QuoteTheMarket\.com \(internal brand\)
- Three Castles Cover \(internal brand, 2026\)

## Links

- Website: <https://www.phinnovate.com>
- Directory profile: <https://insurtechlist.com/companies/ph-innovate/>
- About: <https://www.phinnovate.com/about>
- Linkedin: <https://uk.linkedin.com/company/phinnovate>
- Next venture technologies: <https://www.nextventure.co.uk/>

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*Last updated: 2026\-06\-15*