A new model built for safe drivers. Your premium is pooled, claims are paid, and the surplus is refunded — to you.
The average UK driver pays over £1,100 a year in motor insurance. Safe drivers subsidise the risky. ORCA rewrites that equation.
We pool, we pay claims, we refund the surplus. An AI engine quietly does the heavy lifting behind the scenes.
Safe drivers join a shared pool — curated using AI-driven risk assessment, not just demographics.
AI agents triage and settle most claims in minutes. Humans step in for the complex cases.
When claims come in under the pool, a surplus is generated. We take a 20% management fee — and that's it.
The remaining surplus is returned — directly to drivers who didn't claim. Transparent. Automatic. Yours.
A lean pool. AI operations. Transparent refunds. Every design choice compounds in the driver's favour.
Safe drivers only. Risk-profiled at signup. A tighter pool means fewer claims, bigger surplus, and larger refunds for everyone inside it.
Drive carefully, end the year with a refund. The model turns good behaviour into real money — not just a marketing promise.
AI handles risk scoring, fraud detection, and most claims end-to-end. Lower overheads. Faster decisions. Better outcomes.
You see the pool. You see the claims. You see the surplus. A financial product you can actually read — not a contract that hides the math.
We haven't spent a penny on advertising. The waitlist is growing organically — driven by drivers who are tired of being penalised for being careful.
They found us. We didn't find them. Here's what some of them had to say.
"Finally — insurance that doesn't punish you for being careful. I'm in."
"The idea that my premium just disappears every year into someone else's claim always felt wrong."
"Transparent, modern, and actually fair. This is what insurance should have been from the start."
ORCA is a UK motor insurance platform built around a pooled, refund-based model. Your premium joins a shared pool of safe drivers. Claims are paid from that pool, and whatever surplus remains at the end of the year — after our 20% management fee — is refunded back to drivers who didn't claim.
Cashback products reward you with a fixed amount, taken from the insurer's margin. ORCA is structurally different: the refund comes from the actual underwriting surplus of your pool. If the pool performs well, your refund is meaningful. If it doesn't, we don't manufacture an incentive — the model stays honest.
Yes. ORCA operates in partnership with FCA-authorised insurance partners. Our policies are underwritten by regulated carriers and our operations are built to meet UK regulatory standards end-to-end.
UK drivers who consider themselves careful and are tired of paying high premiums for no return. We use a short risk questionnaire at signup to build a community of safer drivers — because a tighter pool means larger refunds for everyone in it.
We're launching in July 2026 with our first cohort of founding drivers. Join the waitlist now to be notified, complete a risk profile, and secure early access.
ORCA earns a 20% management fee on the premiums paid into the pool. That's it. The remaining 80% is used exclusively for claims, reinsurance, and refunds. Our incentives are aligned with yours — the better the pool performs, the better it is for everyone.
Secure early access, complete your risk profile, and be among the first safe drivers to benefit when we go live.
Join the waitlist