Skip to main content
Coaley Peak®
AboutIndustriesCareers

We use AI tocut costs across your business

No upfront fees. No retainer. You only pay when results are independently verified, against targets agreed in writing before we begin.

🇬🇧 0800 494 7725Freephone · free from UK landlines & mobilessupport@coaleypeak.co.uk

Status

System statusSupply chain reviewSLA commitmentsCompliance centre

Pre-Engagement

Resource hubSupplier complianceImplementation planPerformance monitoringRisk assessmentBusiness case templateData & securityData processor statementMutual NDAVerifier selectionAI Training & Learning

Navigation

HomeAbout Coaley Peak®Owlpen PlatformProcessIndustriesAccreditationsCareersPartner ProgrammeNewsInsights & ResearchPre-Engagement ResourcesEnquiries

Tools

Potential Cost & Gain CalculatorAI Readiness Assessment

Knowledge Base

AI & LLM GlossaryInsights & Research

Compliance & Legal

Compliance CentreIndependent VerificationOur GuaranteeMutual NDAISO 9001 QualityISO 27001 ISMSSub-processorsAcceptable UseBusiness ContinuityCode of ConductAnti-CorruptionCriminal Finances ActGift PolicyModern SlaverySupplier CodeWhistleblowingEquality & DiversityEnvironmentalNet ZeroPrivacy PolicyCookie PolicyTerms of UseAccessibilityMake a ComplaintGive Feedback

Company

Coaley Peak Ltd · 11783676

Registered in England, UK

Address

The Limes, Bayshill Road

Cheltenham, GL50 3AW, UK

VAT

GB374552088

ICO Registration

ZA505303

Phone

🇬🇧 0800 494 7725Freephone · free from UK landlines & mobiles

Live chat

Stephen and team are online
ISO 9001:2015 Quality Management, UKAS accredited, British Assessment BureauISO 27001:2022 Information Security Management, UKAS accredited, British Assessment BureauGovernment Commercial Agency (GCA), approved framework supplier (G-Cloud 14, DOS 6 & 7)

© 2026 Coaley Peak Ltd. All rights reserved.

ISO 9001 & 27001 certified · GCA framework supplier · TM UK00003869141

¹ Pay on results pricing applies to contracts signed on or after 24 March 2026, document reference prefix: contract_payonresults. Contracts entered before this date (including renewals) are not subject to pay on results terms unless specifically agreed in a separate written addendum. Use cases described are illustrative; compatibility is assessed during scoping. No representation is made regarding third-party IP or data handling feasibility.

IndustriesInsurance

Coaley Peak helps insurance businesses reduce back-office operational costs, streamline claims administration, and improve procurement outcomes, independently verified, billed only from results.

Insurance businesses often carry cost that hasn’t been reviewed. We investigate systematically across every cost category and only invoice from what we actually find.

If we find savings, we take a pre-agreed share. If we don’t, you owe us nothing.

What matters most to you?

Select above to see tailored content for your insurance business.

How it works →
£0
Upfront cost
100%
Independent verification of every saving
30 days
Notice to exit

Results vary by sector, cost base, and baseline efficiency. Savings are not guaranteed for individual clients. All figures independently verified before invoicing.

On this page
  1. Why insurance
  2. Sub-sectors
  3. Cost areas
  4. Commercial terms
  5. Get started

Why insurance specifically

Operational complexity creates cost that compounds quietly.

Insurance businesses typically operate across multiple processes, supplier relationships, and admin workflows, each with its own cost base that rarely gets reviewed as a whole.

The result is cost that accumulates quietly across many categories. Individual lines may look reasonable in isolation, but the aggregate picture often reveals significant room for improvement.

01Supplier contracts set years ago and rarely revisited
02Software licences sized for peak headcount, never right-sized
03Energy tariffs managed reactively rather than strategically
04Manual admin processes that were never automated
05Compliance documentation workload growing without process change
06Procurement terms not benchmarked against current market rates

Sub-sectors we work with

10 areas of the insurance industry. Different cost profiles, same approach.

We tailor our investigation to the cost categories that matter most in each sub-sector.

General Insurance

General insurance businesses manage policy administration systems, claims handling workflows, and compliance oversight across motor, home, travel, and commercial lines simultaneously. Operational overhead tends to concentrate in legacy IT systems, manual claims triage, and the growing compliance burden from FCA regulation and Consumer Duty requirements.

Life Insurance

Life insurance businesses carry significant actuarial resource overhead, complex product administration systems, and long-duration policy management costs that create sustained operational expenditure. The transition from legacy administration platforms to modern policy management systems is a persistent source of technology cost and project risk.

Health & Protection Insurance

Health and protection insurers face rising claims inflation from healthcare cost growth, complex clinical assessment workflows, and significant telephony and triage overhead in their claims handling operations. Rehabilitation management and third-party healthcare provider costs represent growing areas of operational expenditure.

Commercial Lines

Commercial lines insurers manage complex risk underwriting, multi-line policy administration, and broker relationship management alongside claims handling for a diverse range of commercial client types. The cost of maintaining broad distribution through broker networks adds significant commission and intermediary overhead.

Motor Insurance

Motor insurance is one of the highest-volume, most price-competitive lines in UK insurance, creating persistent pressure on operational cost efficiency. Claims frequency and repair cost inflation, combined with the overhead of fraud investigation and counter-fraud technology, make cost management a constant operational priority.

Property Insurance

Property insurance businesses face volatile claims costs from weather events, growing building reinstatement costs, and the administrative overhead of managing large loss claims involving surveyors, loss adjusters, and multiple third-party service providers. Contractor management and preferred supplier panel costs are significant and often underreviewed.

Marine & Aviation Insurance

Marine and aviation insurance businesses manage specialist underwriting expertise, Lloyd's market participation costs, and complex claims investigation involving technical surveyors and salvage professionals. Reinsurance costs and Lloyd's managing agent fees represent significant fixed overhead.

Reinsurance

Reinsurance businesses manage complex treaty and facultative programme structures, actuarial modelling overhead, and market access costs through Lloyd's and London market placement. The overhead of maintaining catastrophe modelling capability and relationships with cedants across multiple territories creates sustained operational cost.

Insurance Broking

Insurance brokers manage client relationship overhead, market access costs, and regulatory compliance under the FCA's increasingly detailed conduct requirements. The cost of maintaining professional indemnity insurance, SMCR compliance documentation, and Consumer Duty implementation is a growing overhead for brokers of all sizes.

InsurTech

InsurTech businesses managing technology-enabled insurance products or distribution platforms face the dual challenge of insurance regulatory compliance overhead and technology development costs. FCA authorisation, Consumer Duty implementation, and Solvency II capital requirements add regulatory overhead to already-high technology investment demands.

What we’d investigate

Areas where cost typically accumulates in insurance businesses.

Select a priority above to see the specific areas we’d investigate for your business.

Use the selector above to choose a specific priority and we\u2019ll show you the exact areas we\u2019d investigate in your insurance business.

Important: Coaley Peak provides operational and commercial consultancy services only. Nothing on this page constitutes regulated advice of any kind. Coaley Peak is not authorised by the Financial Conduct Authority to provide regulated advice. All cost savings references are illustrative and independently verified before invoicing.

Fully funded training · Fully funded until August 2026

Book AI training for your insurance team.

We run accredited AI training courses for insurancebusinesses at no charge. Practical, role-specific, and certified. Standard rate is £650 + VAT per person per day; we're covering it in full until August 2026.

Browse training courses →

How we deliver it

Our platform.
Owlpen.

Owlpen is our proprietary intelligence platform, purpose-built to find, verify, and sustain cost reductions and operational performance improvements across every area of your business. It powers every Coaley Peak engagement.

Compatible with Claude, GPT, Gemini, DeepSeek, Qwen, Llama, Mistral, and others. BYOK available. Full compatibility →

Cost & Performance Intelligence

Owlpen

Proprietary

Verified cost reduction and performance improvement, independently confirmed, billed only from results.

Connects to your existing platforms, maps every workflow against your cost base, and benchmarks spend and throughput against sector peers. Owlpen can target cost savings, efficiency gains, or both simultaneously. £0 upfront. No retainers.

15–30%

Cost savings, typically

20–40%

Efficiency gain, typically

Share of results

Billing model

£0

Setup cost

Figures are illustrative. Billing is a pre-agreed share of independently verified savings or performance gains. Actual results depend on your cost base, industry, and scope, confirmed during your process audit. No invoice is raised until results are verified.

Explore Owlpen →

The commercial terms

No-obligation audit

We scope what we can find before you commit to anything.

£0 upfront

No retainer. No setup fee. We only invoice from verified savings.

Independent verification

Every saving confirmed by a qualified third party (funded by us) before we invoice.

30 days’ notice

No lock-in. Exit with 30 days’ notice if you’re not satisfied.

Find out where cost is hiding in your insurance business.

We run an audit of your cost base and tell you what we can find before you commit to anything. No obligation, no sales pressure.

Learn about Owlpen →

Use cases and capabilities, important notice. The use cases, needs, and capabilities described on this website are illustrative examples of areas where AI and automation maybe able to add value. They are not representations, warranties, or guarantees that any specific outcome, saving, or improvement will be achievable for any particular client. The applicability of any use case depends on the client's specific IT infrastructure, data architecture, operational processes, workforce arrangements, contractual obligations, and regulatory environment. Coaley Peak will assess compatibility, including system integrations, data handling requirements, and human and technical constraints, during the scoping and audit process before any engagement begins. No work will commence on a specific use case until its feasibility has been assessed and agreed in writing. Nothing on this website constitutes advice, a representation, or a commitment in relation to any specific use case or technology. Descriptions of approaches, methods, and techniques are general in nature; Coaley Peak makes no representation as to whether any specific implementation may be subject to third-party intellectual property rights (including patents) and clients are responsible for obtaining independent legal advice where required. Where use cases reference regulated activities, including but not limited to anti-money laundering, FCA-regulated functions, KYC, data protection compliance, employment law, or sector-specific regulatory obligations, implementation does not reduce, replace, or discharge any statutory or regulatory duty incumbent on the client, and clients remain solely responsible for compliance with all applicable regulatory requirements. Data handling capabilities are subject to the client's infrastructure, applicable data protection legislation (including UK GDPR), and the terms of any data processing agreement in force between the parties. Queries: legal@coaleypeak.co.uk.

Pay on results, eligibility notice. Results-based pricing applies exclusively to commercial contracts signed on or after 24 March 2026. All engagements entered into before this date (including any subsequent renewals) are not subject to pay on results terms and are governed solely by the pricing structure in the original agreement, unless a separate written addendum specifically incorporating pay on results terms has been executed by both parties. All pay on results contracts carry a document reference beginning contract_payonresults. If you are unsure which terms apply to your engagement, please contact legal@coaleypeak.co.uk.

All claims on this page are general descriptions of Coaley Peak's service model and are not guarantees of specific outcomes. Results vary by business, cost base, and baseline efficiency. "No upfront cost" refers to the pay-on-results pricing model; ancillary costs (e.g. third-party integrations) may apply and are disclosed before engagement. Independent verification is funded by Coaley Peak and conducted by a qualified professional who is not an employee of Coaley Peak. The "30 days' notice" exit term applies to standard commercial contracts; bespoke terms may differ. See our Terms & Conditions, Guarantee, and Independent Verification pages for full details.

Sub-sector photographs sourced from Unsplash.

Document reference: ISO_webpage_industries-insurance_v1

Last modified: 27 March 2026

Industries·Insurance