Our Solutions
pH Innovate is a collection of connected companies. We solve problems and create value across the whole insurance supply chain.
INSURANCE
Quote Detective
The UK's leading specialist in non-standard motor insurance.
TECH
NV Technologies
A build-your-own insurtech platform, offering solutions for self-driven brokers, insurers and price comparison websites.
INSURANCE
Quote Detective Young Driver
Offering bespoke policies designed for 17-24 year olds driving their parent/guardian’s car.
TECH
Quote the Market
A provider of price & product comparison services focusing on niche products not supported by standard systems.
50
Customers
& Partners
70
Pre-built
Integration Clients
30
Insurers
Hosted/Integrated
100,000
Quotes
Per Hour
"We believe that the insurance industry requires modernisation and innovative management processes"
About Us
Through our interconnected system, we've gained a comprehensive perspective of the entire insurance industry, allowing us to scrutinise inefficiencies and identify untapped opportunities for advancement.
pH trading companies are majority owned by pH Innovate, in some cases the management team having equity in the company.
pH Innovate are operators first, and investors second. We understand the “how” of running real businesses. With the customer always in mind, pH excels in partnering with existing management teams to give them the tools to grow, strategic support and access to multiple forms of expertise.
We obsess over growth. Whatever the stage of a business, pH leverages expertise with one focus in mind — profitable and sustainable growth.
How We Work
How our key focuses and values drive our mission to disrupt the insurance industry.
Broking Process Automation
The migration of insurance broking to the internet means some traditional "broking" processes have been lost. Our approach is to provide automation to retain the value of these without the associated cost
Loss Ratio Optimisation
By targeting non-competitive markets, we use our systems and processes to fully investigate all risks, means our risk selection drives above average performance
Low Code System Config
We believe our systems are a means to delivering value as opposed to a necessary evil. As a result, we make them configurable by the business users, making them an opportunity and not a constraint
Machine Learning
By capturing clean and well classified data on each of our transactions, this allows us to apply ML models across the business quickly and cheaply
Data Enrichment
Accessible and relevant data enrichment supports both pricing and risk selection as a result we integrate to all available data sources
Supply Chain Integration
As with all markets, there are significant cost-reduction and value-optimisation deliverables by ensuring a full integrated and transparent supply chain, this is specifically relevant to insurance products
Conversion Optimisation
One of the hardest things in business is to attract customers and convert these opportunities into sales. As a result, we have focused on systems and processes to optimise this
APIs
Our API first approach when building systems ensures all functionality is acessible in a secure and flexible way
Value Creation
The focus on pH Innovate is to find opportunioty to add real demonstratable commercial value to our partners and stakeholders
Founders
pH Innovate is a fintech company operating in South Wales and was launched in 2018 by two entrepreneurs with a background in technology. Stephen is the managing director of tech investments and leads Next Venture Technologies, and David is managing director of insurance investments and leads Quote Detective.
Newsroom
See here for the latest news and job openings within the pH Innovate group.