Four things that genuinely make us different.

Some insurers operated a model called "price walking". The first year was competitive; each year after, the renewal quote climbed, on the assumption you wouldn’t compare or switch. Loyal customers paid significantly more than new ones for the same cover.

The FCA banned this practice in January 2022.

Revive doesn’t do this. At renewal, the price you’re quoted is the price a new customer with your profile would be quoted that day. If the price has moved, we’ll tell you why — and you can switch to a different cover level or leave without anything we’d hide from you.

Concretely: the renewal letter you get from Revive shows the price last year, the price this year, and what’s changed. If something on the policy has driven the price up, you’ll see it.

Many insurance journeys used to add things to your basket without you noticing. Pre-ticked boxes for legal expenses cover. Auto-added breakdown cover. Personal accident cover bundled in as a "free" upgrade that cost £30 a year you didn’t know you were paying.

The FCA called this out and banned pre-selection of add-ons. Customers would complete a quote, get to checkout, and find the price had changed because of things they didn’t add.

On Revive, every optional extra is off by default. You see the base policy price first. Anything you add appears clearly, with the price for that specific item visible before you confirm it. Nothing gets bundled. Nothing gets renewed automatically that wasn’t on the original policy.

Claims are where insurers either prove they’re worth the premium or prove they’re not. The cheapest way to handle a claim is to delay it, dispute it, or scope it down — and some insurers had built operations around exactly this.

Revive does it differently. When you call our claims line, you reach a person trained to take the details, make decisions on the spot where possible, and tell you exactly what happens next. You won’t be transferred between five departments. You won’t get a different person every time you ring. You won’t be asked to repeat information you’ve already given.

Where the claim is straightforward, we’ll settle it fast. Where it’s complicated, we’ll explain why and tell you what we need from you to finish it.

Not every claim gets paid. Some don’t meet the policy terms, and we’ll tell you straight if that’s the case. What we won’t do is bury the answer in jargon or make you fight for an honest explanation.

Mainstream insurance pricing relies on broad averages. It works adequately for the median customer. It works badly for everyone outside the median — and large groups of customers consistently end up outside the median.

Renters, key workers, EV drivers, people with shorter UK driving histories, gig workers, residents of postcodes that get flagged unfairly: these groups routinely pay more than they should, or get refused cover, or get offered cover with weird exclusions.

We’re building product and pricing that fits these audiences directly. Not as a side product, not as a charitable line — as core business. Some of this is live today. More is coming. If you’ve been told you’re "non-standard" by the mainstream market and you’d like to talk to someone who doesn’t think that’s a useful word, get in touch.