Our Solutions
pH Innovate is a collection of connected companies. We solve problems and create value across the whole insurance supply chain.
"We believe that the insurance industry requires modernisation and innovative management processes" - Stephen Peck
About Us
The pH Innovate Group was founded in 2018 as an insurance service to support under-served customers – those who are unable to get competitive or accurate quotes via online systems or price comparison sites.
As such, Quote Detective (QD) was born as the Group’s first business to consumer brand, which is directly regulated by the FCA. It was closely followed in 2019 by QuoteTheMarket.com which specialises in niche motor products price comparison such as commercial vehicle, courier and taxi insurance.
In 2020, QD was joined by B2B technical services company, Next Venture Technologies. Using the technical expertise of co-founder Stephen Peck, this company hosts and develops an insurance trading platform for insurers.
In 2026, the Group expanded into underwriting with the launch of Three Castles Cover, a motor insurance brand focused on delivering competitively rated private car and commercial vehicle products for underserved segments, supported by rated capacity from The New India Assurance Company Ltd.
Now, The pH Innovate Group houses over 150 staff and services more than 50 customers and partners.
With the customer always in mind, the Group excels in partnering with existing management teams to give them the tools to grow while accessing strategic support and multiple sources of expertise.
How We Work
How our key focuses and values drive our mission to disrupt the insurance industry.
Broking Process Automation
We automate key insurance broking processes to improve efficiency without losing the expertise and customer value traditionally delivered through manual underwriting and broker-led journeys.
Loss Ratio Optimisation
Using advanced risk segmentation and data-led underwriting, we identify underserved market opportunities and improve performance through more accurate pricing and disciplined risk selection.
Bespoke Configurable Systems
Our configurable platforms give business users greater control over products, workflows and integrations, enabling faster delivery without the limitations of traditional insurance systems.
Machine Learning
By capturing structured, high-quality transaction data, we can rapidly apply machine learning models to improve pricing, automation, operational efficiency and customer outcomes.
Data Enrichment
We integrate with a wide range of trusted data sources to enhance pricing accuracy, improve underwriting decisions and support more effective risk selection processes.
Supply Chain Integration
Through connected systems and transparent workflows, we streamline the insurance supply chain to reduce operational friction, improve efficiency and create greater value for partners.
Conversion Optimisation
We continuously optimise customer journeys, pricing and operational processes to improve conversion performance and maximise the value of every acquisition opportunity.
APIs
Our API-first approach ensures systems remain secure, scalable and fully connected, enabling flexible integrations across insurers, brokers, partners and third-party providers.
Value Creation
We focus on delivering measurable commercial value through technology, underwriting insight and operational expertise that support long-term partner growth and performance.
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.
pH Innovate Launches Three Castles Cover
Next Venture Technologies Achieves Cyber Essentials+ Certification
pH Innovate Group Features in Innovate UK Report
pH Innovate Group Welcomes the Torfaen MP
PH Innovate Makes BusinessCloud’s InsurTech 50 ranking for 2024
