Founded in 2018, the pH Innovate Group is a multi-brand insurance and technology business operating across distribution, comparison, underwriting and SaaS infrastructure within the UK motor insurance market.

Established by insurance specialists David Harlow and Stephen Peck, the Group was created to address a growing issue within the market: underserved customers who are unable to obtain competitive or accurate insurance quotations through standard online journeys or automated underwriting models.

By combining specialist market expertise with proprietary technology, pH Innovate has built an ecosystem capable of identifying, pricing and servicing niche and underserved motor insurance segments at scale.

The Group’s first consumer brand, Quote Detective (QD), was launched to support customers underserved by mainstream motor insurance providers and price comparison systems. It was followed by QuoteTheMarket.com, a specialist comparison platform focused on niche motor products including courier, taxi, commercial vehicle and multi-vehicle insurance.

In 2020, the Group expanded into insurance technology with the launch of Next Venture Technologies (NVT), a B2B SaaS business delivering insurance trading platforms, integrations and technical infrastructure for insurers, brokers and distribution partners. Today, NVT supports a growing network of customers and partners across the insurance supply chain.

In 2026, pH Innovate further expanded its capabilities through the launch of Three Castles Cover (TCC), a specialist underwriting business focused on private car and light commercial vehicle products for underserved market segments. Backed by rated carrier capacity from The New India Assurance Company Ltd, TCC strengthens the Group’s position across underwriting, pricing and distribution.

Today, the pH Innovate Group employs more than 150 staff and supports over 50 customers and partners across the UK insurance market.

The Group’s structure provides a unique advantage to insurers, brokers and partners by combining technology, underwriting insight, and distribution within a single connected ecosystem. This enables the pH Innovate Group to adapt quickly to market changes, support strategic growth and deliver sustainable long-term value across the insurance supply chain.