About Us

What is Dinghy insurance? Who’s behind it? And where did it all start? Your questions answered here.

Hello we’re Dinghy

There is a better way to do business insurance and to make a difference. One that protects customers without making them pay ridiculous fees and commissions. Where colleagues get paid properly for all the amazing work they do. One that reduces the negative footprint offices add to the planet’s problems (we work remotely). And where insurance is easy to understand. We went that way. For you.

What we do

Quite simply we are revolutionising insurance for freelancers and the self employed. For the first time you can turn your insurance up or down, on or off depending on your needs. Saving you money whilst still keeping you covered. We do not charge up front for your insurance policy, instead billing you at the end of the month for the cover you have used. And our quote process is the quickest around. Just 3 minutes from beginning to being insured. We offer the following bespoke products for freelancers:

– Professional Indemnity
– Public Liability
– Business Equipment Insurance
– and Freelancer assist as standard

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What’s in a name?

We ‘ummed’ and ‘ahhed’ over what we should call our new exciting freelance insurance business. We asked ourselves – what name could capture something that is:

Fast
Responsive
Flexible
There when you need it, in times of trouble?

And that’s when it hit us – a Dinghy! So Dinghy was born – the first insurance provider to give freelancers a flexible insurance product that adapts to how they work.

With the option of pausing insurance to save money, a 24/7 self service area for instant changes, and a claims team available 24/7, we have crafted the dinghy of the insurance world.

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We support Living Wage

With great work should come great reward. The government’s National standard outlines an absolute minimum, which doesn’t fit the standards we want for employees. So we joined 3,500 other UK businesses as an accredited Living Wage employer volunteering the real Living Wage (actually way above) and the London Living Wage because we believe all staff deserve better.

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We will make insurance a social good again

Insurance was originally a social good, hard to believe right? It enhanced freedom, created security, promoted good health and increased prosperity. And so it evolved. It enabled people to drive cars, buy houses and go on holiday. But over the last 20 years or so insurance companies have changed; expecting the worst of people rather than the best with premiums rising year on year and less claims being paid out.

We are changing all of that. With no up front premiums you pay what you used throughout the month. Billed by the second, in arrears. With no interest, no credit checks, and no fees. Professional Indemnity claims with no excess, Equipment claims resolved in 24 hours. Welcome to Dinghy. We are making insurance for the future. Your future.

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Our partners

Allianz are one of the largest general insurers in the UK and part of the Allianz Group, one of the world’s foremost financial services providers.

Allianz SE Group employs 142,000 employees worldwide, serving 85m customers in more than 70 countries. In the UK, Allianz Insurance employs over 4,600 people across a network of 26 offices. The company’s Head Office is situated in Guildford, Surrey. We have additional support services with over 1,000 people based in Trivandrum, India.

Allianz offers commercial insurance with a full range of products for sole traders, right up to large commercial organisations.

ARAG’s UK operation provides a nationwide service from their Bristol Head office. They are part of ARAG SE, a global leader in legal expenses insurance which generates annual premium income in excess of €1.5 billion.

It has always been their vision to enable everyone, not just those that can afford it, to assert their legal rights. With this aim in mind we have partnered with them to provide our innovative Freelancer Assist product.

Ben

Wearing sunglasses when not required and an unhealthy obsession with headwear are not Ben’s only skills. He has run 3 businesses, spent 7 years at Acturis, the fast growth fintech firm and 2 years at Simply Business. Ben is responsible for the commercial side of Dinghy.

Rob

With a shirt and jacket accompanying his ever present smile, Rob combines web development and insurance expertise so our product is the best it can be. Rob started in insurance at 21 and has worked in the USA, Caribbean, Lloyds of London and Simply Business.

Ed

On start-up number three, Ed has been a technologist for over ten years, including four years at Simply Business. He has extensive experience in building technology platforms for insurance, telecoms and e-commerce and looks after all things tech at Dinghy.