Ripe Insurance
Ripe Insurance offers quick, hassle-free specialist insurance cover for your business, hobby, or sport, making it easy to get tailored protection online.
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Shop at Ripe InsuranceAbout Ripe Insurance
Founded in 1997, Ripe Insurance has been revolutionising the insurance industry for over two decades. Based in Manchester, UK, their dedicated team set out with a clear mission: to make insurance easy-to-buy, simple-to-understand, jargon-free, and excellent value. They pride themselves on a fresh approach, moving away from lengthy forms and complicated policies, ensuring customers only pay for the cover they truly need. With over 350,000 policyholders and a growing portfolio of award-winning specialist products, Ripe Insurance is a trusted name in the UK insurance market.
Comprehensive Specialist Cover
Lifestyle & Leisure Protection
Ripe Insurance offers a wide array of specialist policies designed to protect your passions and assets. Whether you're a keen caravanner or motorhome owner, a photography enthusiast, or involved in shooting sports, Ripe has tailored solutions. Their cover extends to valuables, boats, cycling, golf, and various other sports and leisure activities, ensuring your hobbies are safeguarded against the unexpected.
Business & Professional Insurance
Beyond personal pursuits, Ripe Insurance provides essential protection for businesses and professionals. This includes comprehensive small business insurance, as well as specific policies for the hair and beauty sector, catering to both mobile and freelance professionals, and established salons. They also offer cover for clubs, leisure, and community groups, demonstrating their commitment to supporting diverse needs across the UK.
Why Choose Ripe Insurance?
Choosing Ripe Insurance means opting for a provider that prioritises customer satisfaction and environmental responsibility. They are highly rated as 'Excellent' based on over 30,000 reviews, reflecting their commitment to outstanding service. Ripe offers quick online quotes, policies tailored to your exact requirements, and support from a team of UK-based advisors. They are also a Carbon Neutral business, actively working towards Net Zero by 2050, allowing you to feel good about your insurance choice.
Furthermore, Ripe Insurance values those who serve our communities and country, offering exclusive discounts for NHS and healthcare workers, as well as military and armed forces personnel. Their rewarding referral programme also allows you to share the benefits with friends, making Ripe Insurance a truly customer-centric choice for specialist cover.
Ripe Insurance was founded in 1997 and is headquartered in United Kingdom. It is part of Aquiline Capital Partners, with None (digital platform) locations.
Discounts & Loyalty
NHS Discount
Ripe Insurance offers discounts for NHS and healthcare workers, including a 10% NHS discount for Motorhome Insurance, a 15% NHS discount for Hair and Beauty Insurance, and a 60% NHS discount for Cycling Insurance, available via Health Service Discounts.
Military / Blue Light Discount
Ripe Insurance provides up to 10% cashback for Forces Personnel on Small Business Insurance via British Forces Discounts.
Loyalty Programme
Referral Program
Refer friends to Ripe Insurance, and both you and your friends will be rewarded. Your friend receives an exclusive discount, and once their policy is active for 30 days, you receive a voucher of your choice (e.g., a £25 eGift card).
Shipping & Returns
Instant policy documents via email
Returns Policy
As an insurance provider, Ripe Insurance does not offer a traditional returns policy for physical goods. However, customers typically have a cooling-off period during which they can cancel their policy if it no longer meets their needs.
Company Information
Founded
1997
Headquarters
United Kingdom
Number of Stores
None (digital platform)
Parent Company
Aquiline Capital Partners
Payment Methods
Sustainability
Ripe Insurance is committed to protecting the future of our planet and communities. They have measured their carbon footprint, implemented a net zero strategy, and are a Carbon Neutral business. Their pledge is to achieve Net Zero by 2050, with a target to reduce carbon output by 42% by 2030, having achieved Alectro A+ status for their efforts.
Frequently Asked Questions
What specialist insurance does Ripe offer?
Ripe offers insurance for cyclists, musicians, photographers, craft businesses, sports equipment, and various other specialist needs.
Why choose specialist insurance?
Specialist insurance provides coverage designed for specific activities, often with better terms and understanding than generic policies.
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Be the first to write a review3 Ways to Save at Ripe Insurance in 2026
NHS discount
Ripe Insurance offers discounts for NHS and healthcare workers, including a 10% NHS discount for Motorhome Insurance, a 15% NHS discount for Hair and Beauty Insurance, and a 60% NHS discount for Cycling Insurance, available via Health Service Discounts.
Military & Blue Light discount
Ripe Insurance provides up to 10% cashback for Forces Personnel on Small Business Insurance via British Forces Discounts.
Join Referral Program
Refer friends to Ripe Insurance, and both you and your friends will be rewarded. Your friend receives an exclusive discount, and once their policy is active for 30 days, you receive a voucher of your choice (e.g., a £25 eGift card).
Saving tips verified by The Virtual Mall, the UK's original online shopping destination since 1999.
Ripe Insurance Quick Facts
| Standard Delivery | Instant policy documents via email |
| Free Delivery | Not available |
| Click & Collect | Not available |
| Returns Policy | As an insurance provider, Ripe Insurance does not offer a traditional returns policy for physical goods. However, customers typically have a cooling-off period during which they can cancel their policy if it no longer meets their needs. |
| Student Discount | Not available |
| NHS Discount | Ripe Insurance offers discounts for NHS and healthcare workers, including a 10% NHS discount for Motorhome Insurance, a 15% NHS discount for Hair and Beauty Insurance, and a 60% NHS discount for Cycling Insurance, available via Health Service Discounts. |
| Military Discount | Ripe Insurance provides up to 10% cashback for Forces Personnel on Small Business Insurance via British Forces Discounts. |
| International Shipping | Not available |
| Payment Methods | Visa, Mastercard, Direct Debit |
| Founded | 1997 |
| Headquarters | United Kingdom |
Last verified: February 2026
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Customer Reviews
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Contact Information
Customer Service
0345 450 9960Customer Service Email
info@ripeinsurance.co.ukCustomer Service Hours
Monday-Friday 9am-5pm
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