Pikl
Insurance-enabled solutions for the short-term rental and sharing economy
Overview
Pikl is a short-term rental insurance MGA serving individual hosts, property management companies (PMCs), and sharing economy platforms such as Airbnb and Vrbo. Founded in 2016 and headquartered in Norwich, Norfolk, the company holds FCA authorisation (firm number 773457) and focuses on delivering embedded insurance products and white-labelled solutions to the vacation rental market.
The company underwrites a suite of host-facing insurance products -- including holiday let, landlord, and alternative accommodation coverage -- and provides B2B insurance-enabled solutions to property platforms and PMCs. Core B2B offerings include flexible cancellation products, damage deposit waivers, and data-driven insights drawn from a proprietary dataset of vacation rental booking and cancellation behaviour.
Since launching its flagship flexible cancellation solution in 2024, Pikl reports capturing approximately 20% of the UK short-term rental insurance market as of March 2026. The company expects its proprietary dataset to cover 8 million bookings by end of 2026. Total external funding stands at approximately USD 10.45M across three rounds, with early backing from esure and Direct Line founder Sir Peter Wood.
Products & Services
Host Insurance Products
Coverage for individual property owners and hosts operating on short-term rental platforms.
Key Features
- Holiday let insurance for short-term rental properties
- Landlord insurance for long-term rental properties
- Liability coverage up to GBP 5M public liability protection
- Alternative accommodation coverage (glamping pods, static caravans, park homes, holiday lodges)
Target Users: Airbnb hosts, Vrbo hosts, independent holiday let owners, glamping and alternative accommodation operators
Distribution: Direct to consumer via company website and sharing economy platform partnerships
B2B Flexible Cancellation Solution
Insurance-backed flexible cancellation product allowing guests to book with flexibility while protecting host and PMC revenue.
Key Features
- Commission-based revenue model for PMC partners
- Guest flexible booking options backed by insurance
- Damage deposit waiver as a traditional security deposit alternative
- White-labelled product delivery for platform integration
Target Users: Property management companies, online travel agencies, property management system providers
Distribution: Wholesale via API integrations with PMCs, OTAs, and property management systems
At a Glance
- Founded
- 2016
- Headquarters
- Norwich, Norfolk, UK
- Employees
- 11-50
Category & Focus
- Category
- Specialty Solutions
- Insurance Verticals
- P&C Personal Specialty/E&S
- Target Customers
- Consumers, Brokers
Similar Companies
-
Red Planet SoftwareInsurance premium finance software for funders and brokers -
RedefindCryptocurrency and digital asset insurance platform using cryptographic proof of ownership -
CanopyDeposit-free renting and digital tenant referencing for the UK rental market -
RainyDayPalSubscription-based life maintenance coverage for employees -
PProtos LabsAgentic AI platform for cyber risk quantification and threat intelligence
-
Protect4LessSubscription-based device protection for consumer electronics and home appliances
Last updated: 2026-06-16