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Worry+Peace

UK insurance marketplace and compliance toolkit for insurance providers operating under FCA Consumer Duty

Distribution & Sales Startup Seed
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Overview

Worry+Peace (trading as Peaccce) is an insurance marketplace and distribution platform for UK insurance providers, focused on the P&C personal and specialty insurance verticals. Founded in 2009 by James York, the company rebranded from Insurance4everyone to Worry+Peace in 2015 and then to Peaccce in January 2022. It is registered in England (company number 11443967) and operates as a SaaS marketplace connecting insurance carriers and MGAs to consumers.

The platform provides insurance providers with self-service distribution tools, AI-powered review classification for Consumer Duty compliance, and a policy wallet ("Pouch") enabling customers to consolidate policies from multiple providers. Products are delivered via SaaS subscription with API connectivity to Apple Wallet and Google Wallet for digital insurance document passes. The marketplace covers 780+ insurance product type categories, with no transaction fees or cost-per-click charges.

Peaccce raised approximately GBP 500,000 in angel/seed funding in 2021. The company repositioned its platform around the UK FCA Consumer Duty regulatory requirement (effective July 2023), targeting carriers and MGAs that need to evidence customer outcomes. It remains a small early-stage business with 1-10 employees.

Products & Services

Peaccce Marketplace

A self-service distribution platform covering 780+ insurance product type categories. Insurance providers create customizable listing cards with no TOBA requirement, no transaction fees, and no cost-per-click charges. Includes a custom auction system for "Top Spot" directory placements with traffic predictions and automatic bid adjustments.

Key Features

  • 780+ insurance product type categories
  • Custom auction system for premium directory placements
  • No TOBA required, no transaction fees
  • Unlimited staff seats on full-access subscription

Target Users: UK insurance carriers and MGAs seeking digital distribution without per-click or per-transaction costs

NO CODE Reviews Tools

An AI-powered review classification system trained on 1.5 million+ data points. Segments insurance reviews by product and service type and exports data to cloud spreadsheets for real-time analysis, designed for FCA Consumer Duty compliance reporting.

Key Features

  • Trained on 1.5M+ data points
  • Segments reviews by product and service type
  • CSV import via email, no coding required
  • Cloud spreadsheet export for real-time reporting

Target Users: Insurance providers required to evidence customer outcomes under FCA Consumer Duty

Pouch (Insurance eWallet)

A policy storage wallet allowing customers to consolidate insurance policies from multiple providers in one place. Supports automated quote-and-buy integration and connectivity with third-party systems. Fully white-labelable for insurance providers.

Key Features

  • Consolidates policies from multiple providers
  • Apple Wallet and Google Wallet pass creation for quotes, cover notes, and FNOL
  • White-label option for providers
  • Commission-free customer communications hub

Target Users: Insurance providers seeking digital policyholder engagement tools; consumers managing multiple insurance policies

Provider Pages

Customizable provider hubs on the Peaccce platform with unique URL handles, follow functionality, review collection, and social integration. Enables insurers to build a branded presence on the platform.

Key Features

  • Unique URL handles per provider
  • Follow functionality and review collection
  • Social integration capabilities

Target Users: UK insurance carriers and MGAs building a digital brand presence

At a Glance

Founded
2009
Headquarters
Buckinghamshire, England, UK
Employees
1-10
Funding
Seed

Category & Focus

Category
Distribution & Sales
Subcategories
Insurance marketplace Consumer Duty compliance digital distribution policy eWallet
Insurance Verticals
P&C Personal Specialty/E&S
Target Customers
Carriers, MGAs/MGUs, Consumers

Customers

  • Self-service subscription insurance providers (exact names not publicly disclosed)
  • Facultative and wholesale insurance providers
  • Paria (cycle insurance retail partnership -- Ascent Bike brand)
  • Apple Wallet (digital pass integration)
  • Google Wallet (digital pass integration)

Links

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Last updated: 2026-06-20