Premiums pooled. Claims paid. Surplus refunded — to you.
UK average: £1,100+ annual motor premium · ~85% of drivers claim nothing
A shared pool of safer-than-average drivers. Claims paid quickly from the pool. Whatever's left at the year's end goes back — to the drivers who didn't claim.
You join a pool of low-risk drivers, qualified at signup. A tighter pool means fewer claims.
AI handles triage, vision, and Highway Code reasoning. Most claims settled in minutes.
What's left after claims, reinsurance, and a 20% management fee becomes the refund pool.
Returned at year-end, automatically, to drivers who didn't claim. Transparent ledger throughout.
Our claims agent triages, reads photos, and reasons against the UK Highway Code. Most decisions take minutes, not weeks.
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. Whatever's left at the year's end — after our 20% management fee — is refunded to drivers who didn't claim.
Cashback rewards you with a fixed amount, taken from the insurer's margin. Orca is structurally different: refunds come from the actual underwriting surplus of your pool. If the pool performs well, your refund is meaningful. If it doesn't, the model stays honest — no manufactured incentive.
Not yet directly. We're launching in July 2026 under an Appointed Representative arrangement with an FCA-authorised principal firm, operating under their permissions from day one. We're finalising this as part of our upcoming pre-seed raise.
Over the following 18–24 months we plan to apply for direct FCA authorisation. The product is designed to be regulator-aligned: refund mechanic on settled Takaful precedent, policy wording reviewed by insurance counsel, and structured to fit the FCA's Consumer Duty framework.
UK drivers who consider themselves careful and are tired of paying for nothing in return. A short risk questionnaire at signup helps build a community of safer drivers — 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 to be notified, complete a risk profile, and secure early access.
A 20% management fee on 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.
Be among the first generation of UK drivers who get paid for driving carefully.
Join the waitlist