InsurTech Gateway

The firm owns and operates a regulated insurance vehicle separate from its fund. Portfolio companies plug into that vehicle — a fronting carrier with existing compliance and capacity — which allows founders to underwrite live premiums while their own FCA application runs in parallel. This shared infrastructure is the firm's central differentiator.

The founding team of Stephen Brittain, Robert Lumley and Richard Chattock runs the investment committee. Each co-founder brings operational experience from insurance carriers or technology startups; the firm's public materials emphasize their frontline industry credibility over a traditional venture-capital partner-track background.

The firm leads seed-stage rounds in UK-based insurtechs, typically writing the first institutional check. It also co-invests alongside specialist venture firms — MMC Ventures and Ascension have been named co-investors on its portfolio company pages.

InsurTech Gateway focuses on pre-seed and seed stages, deploying initial checks of £250,000–£500,000, with follow-on capacity into Series A. The firm's logic is that the regulatory hurdle is steepest pre-authorization, so it concentrates capital and operating support at that earliest inflection point.

Property & casualty, life, health and specialty insurance lines — broad by insurtech standards but always within a regulated underwriting framework. The firm does not invest in adjacent fintech unless it involves a risk-transfer product requiring authorization.

By Miles was a UK-based pay-per-mile motor insurance startup. InsurTech Gateway provided the regulated fronting arrangement that allowed By Miles to sell policies from launch, rather than waiting for its own authorization. By Miles' 2024 exit to Direct Line Group is the firm's most visible realized outcome.

InsurTech Gateway is a private equity manager structured as a specialist asset manager, not a family office. It raises external LP capital and deploys through a fund vehicle, though its ownership of an underlying regulated carrier makes its legal structure more layered than a typical generalist venture fund.