Embedded Insurance
for Travel & Mobility
Partners
We give Car Rental Aggregators, van hire platforms, and motorhome businesses a seamless API-driven insurance solution. Your customers never leave your site. Policies issued in real time. Revenue starts immediately.
A proven technology platform built on 19 years of specialist insurance
Riverside Underwriting Limited (RUL) was incorporated in April 2007 and has sold at least one policy every single day since August 2007 — a run of over 6,800 consecutive trading days. We reached our one millionth policy in 2015 and have continued to grow every year since.
Technology is at the core of everything we do. Our software is developed entirely by our in-house team, allowing us to move quickly, integrate deeply with partners, and respond to your specific requirements without third-party delays.
We support UK business via RUL (FCA regulated) and EU business via our sister company Riverside Insurance Agency Malta Limited, regulated by the Malta Financial Services Authority — our Brexit solution that went live on 1 February 2021.
How our API works
Our REST API slots directly into your booking flow. Two simple workflows cover every scenario — your customer never leaves your platform.
Quote then Bind
Send trip parameters — pick-up country, duration, vehicle type
Receive real-time pricing your customer can accept or decline
On acceptance, policy and documents returned in the response
Direct Bind (Faster)
Use pre-agreed rates stored in your system — skip the quote call
Single API call binds cover and returns insurance documents instantly
Ideal for CRAs with a fixed product set — the fastest path to go-live.
Who we work with
We don't apply volume minimums — whether you're an established aggregator or a growing niche platform, we want to hear from you.
Car Rental Aggregators
Stop your customers leaving your site to buy excess cover elsewhere. Our API embeds car hire excess insurance directly into your checkout — you earn a generous commission on every policy sold.
- Customer stays on your platform
- Documents issued in real time
- Set your own selling price
- UK & EU travellers covered
Van Hire Platforms
Add motor excess protection to van hire bookings. Upsell at the point of checkout with no disruption to your existing booking flow.
- Flexible product design
- Premium set by pick-up country
- Monthly commission settlement
Motorhome & Campervan
Short-term fully comprehensive motor insurance for motorhomes launched in 2023. Ideal for hire businesses and peer-to-peer rental platforms.
- Short-term comprehensive cover
- In-house claims via Orchard Admin
- White label available
Affiliates
A trackable link to our consumer site. We handle payments, customer service, and all documentation. You earn commission on every click that converts.
- Zero technical integration
- RUL handles everything
- Real-time reporting
Corporate & Fleet
Group policies covering car hire excess or motor excess protection for corporate travel programmes. Bespoke underwriting available.
- Group policy structures
- Bespoke pricing
- Dedicated account management
Other Platforms
Villa booking sites, car subscription providers, peer-to-peer rentals, price comparison sites, and regulated intermediaries — if you serve drivers, we have a solution.
- No volume minimums
- Willingness to innovate
- Compliance expertise UK & EU
Everything a partner needs
Generous Commission
Set your own selling price with generous commissions. Monthly settlement above an agreed threshold with transparent reporting.
UK & EU Ready
RUL covers UK customers. Our Malta-regulated sister company covers EU citizens — a seamless post-Brexit solution operating since February 2021.
No Volume Minimums
We believe in organic growth. We don't impose minimum volumes or business value thresholds — your success is our success.
7-Language Documents
Insurance certificates, IPIDs, and policy documents issued in seven languages — making your international customers feel at home.
UK-Based Claims & Service
Claims handled by our sister company Orchard Administration, with an integrated portal and outstanding customer service - 4.8/5 on TrustPilot 14,700+ reviews.
Market Access
As a regulated insurance intermediary located close to the London Insurance Market we can access specialist insurers to meet the needs of our clients.
From Application to Go-Live in Weeks
Our three parallel workstreams mean no unnecessary delays.
Commercial
- Review existing insurance programme
- Agree premium rates (per day)
- Agree RUL fee (per day)
Compliance
- Terms of Business Agreement
- Regulatory permissions review
Technical
- API integration (XML or JSON)
- Website testing & review
All three workstreams run in parallel — leading to a single agreed go-live date.
19 Years of continuous innovation
Ready to become a partner?
Tell us about your platform and we'll come back to you within one business day. Our team will walk you through rates, integration, and how quickly we can get you live.
Maidstone, Kent ME14 1JH