Best Tech-Driven
Tech-driven insurance using AI for instant quotes and fast claims. Contents and buildings cover. B Corp certified — unused premiums go to charity.
Lemonade is a digital-first insurer built around a fast, app-based claims process, with a business model that donates unclaimed premium to causes policyholders choose.
The claims experience is the pitch: straightforward claims can be settled in minutes through the app rather than over the phone.
Who it suits. Renters and homeowners with uncomplicated cover needs who value speed and a clean interface, and who are comfortable with an insurer that has a shorter UK track record than the established names.
Worth knowing. Digital-first insurers handle standard claims very well and more unusual ones less predictably. Read the exclusions carefully, particularly around high-value items, which usually need specifying individually.