Insurance technology
Software, cloud and cyber security delivered with the rigour insurers expect – trusted by AXA Group (PHC) and Cornish Mutual.
Insurance clients
We currently support insurers across the FCA-regulated UK market.
Premier Health Care (PHC) – AXA Group
Delivered cloud migration and modernisation work for PHC, part of the AXA Group, supporting an FCA-regulated health insurance operation.
Cornish Mutual
Technology advisory and delivery for one of the South West's longest-established mutual insurers.
Adjacent regulated experience
Not all of our regulated-industry work has been with insurers – but the disciplines transfer directly. Below is experience that shapes how we deliver for the insurance sector.
PCI-DSS payments (Pax2Pay)
Our founders built Multicommerce, the PCI-DSS aligned B2B payments platform now known as Pax2Pay – the same regulated-data rigour insurers require.
Tier 1 UK bank delivery
Engineering work delivered into a Tier 1 UK retail bank under formal change control – directly transferable to FCA-regulated insurance environments.
John Lewis Partnership
Enterprise-scale technology delivery for one of the UK's most trusted retail brands.
Companies House
Public-sector regulated delivery experience – security, accessibility and assurance held to government standards.
Our services for insurance
Cyber security
FCA-aware security assessments, penetration testing, Cyber Essentials Plus and incident response for insurers and brokers.
Learn moreSoftware development
Modernisation of policy admin, claims and broker portals – modern stacks, secure-by-default, regulator-ready.
Learn moreFractional CTO/CIO
Strategic technology leadership for insurers, MGAs and brokers – board reporting, supplier governance, roadmap.
Learn moreCloud & hosting
Azure and AWS migration, hosting and ongoing system administration – designed for regulated workloads.
Learn moreFrequently asked questions
Are you experienced with FCA-regulated insurance technology?
Yes. We deliver for PHC (part of the AXA Group) and Cornish Mutual today, and our team has comparable regulated-industry experience through Tier 1 banking, Pax2Pay (PCI-DSS) and Companies House work.
Can you handle PCI-DSS and sensitive data workloads?
Yes. Our founders built the PCI-DSS aligned Multicommerce platform (now Pax2Pay), and we routinely design, build and operate systems that handle regulated personal and financial data.
Do you work with brokers as well as insurers?
Yes – we work with insurers, MGAs and brokers. Engagement size ranges from focused architecture reviews to multi-quarter modernisation programmes.
Where are you based?
HowTech is based in Cornwall and delivers across the UK – remote-first with on-site presence when needed.
Modernising your insurance technology?
Whether it's a cloud migration, broker portal rebuild or cyber security uplift, we bring regulated-industry rigour and senior delivery.