Welcome To pH innovate

What We Do

We are a technology focused incubator operating in the UK insurance sector.

Know How

Track record of successful start ups, established channel to market and understanding of how technology can be applied to existing business process


UK based call centres and operational teams experienced in both broking and technlogy support


High volume and secure trading platform developed and supported by in house development team

Our Companies

PH is currently focused on both insurance broking services and also the underlying technology (insurtech)

Specialist Personal Lines Intermediary

Niche Comparison Technology

Intermediary Technology

About Us

Stephen Peck  

Stephen's early experience was based designing and implementing supply chain and demand creation systems across Europe and Asia Pacific in a mixture of retail, service and distribution sectors.

With increasing adoption of the internet for business use, Stephen switched to developing online solutions for his customers producing a series of quick to implement hosted services supporting a range of business processes.

As an early adopter of cloud based systems, Stephen founded and later sold Quote Exchange which provided SaaS price comparison and lead management services to the UK personal lines insurance market.

Stephen holds a MSc in Informations Systems in addition to a BSc (Hons) in Management and was recently awarded CEng by the British Computer Society.

David Harlow  

David started his career at Aviva where he gained his ACII certification whilst working as a trainer on a nationwide IT project. He subsequently joined Allen & Allen before starting Insureyourmotor.com in 2000.

David started InsureYourMotor.com with a staff of four above a shop in a West London suburb, over the next thirteen years he grew the business to a staff of 130 and a GWP of circa £50M. Along the way the business moved to Wales with the help of some grant assistance from the Welsh Assembly government. The business was sold to private equity in 2012

David and Stephen started Quote Exchange in 2005 in response to the changing consumer tastes for price comparison within the personal lines sector. The company grew rapidly and secured contracts with brands including Lloyds Bank, ComparetheMarket and Moneysupermarket. David and Stephen also moved into international markets and launched the first price comparison site in Brazil. This business was sold to a listed company in 2011.

Since 2015 David has been active in local government and acts as Cabinet member for the Economy in Herefordshire. He sits as a Director on various local bodies including the new university and the local Enterprise Zone and is a county councillor. He spends most of his time on his various business interests including pH innovate.


Latest news and updates from across the group.

Sept 2018

Quote Detective expands into new offices" Read More ....

Aug 2018

Quote Detective shortlisted for "The Broker Start-up of the Year" Read More ....

Apr 2018

Quote Detective turns to insurtech's data management service Read More ....

Feb 2018

Booming insurance broker Quote Detective to take on more staff Read More ....

Jan 2018

An insurance firm is creating 30 new jobs and it's starting to recruit now Read More ....