Designing the best insurance premiums for people

Our Back Story

CoFounded by David Harlow and Stephen Peck – Three Castles Cover is made up of a team of seasoned underwriters looking to find the best insurance premiums across your portfolio. 

Three Castles are a fintech company, blending decades of underwriting experience with cutting edge technology to design the most affordable insurance premiums in the industry. By packaging everything under one policy and then spreading the payments interest free over twelve months we reduce the overall costs of protecting your prized possessions.

Insurance technology (insuretech) has evolved and the industry is moving towards automation and price comparison sites. But the issue here is everyone’s circumstances are unique and therefore, require unique policies. 

Three Castles was founded on the principles of ‘one size does not fit all’. Instead, we believe in building bespoke premiums that can protect an individual’s assets fully. As a UK insurance specialist we believe the insurance should be bespoke and handled with care. That’s why we’re passionate about providing our customers with the protection they need. 

Stephen Peck cofounder of Three Castles Cover

Stephen Peck


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

David Harlow co founder of Three Castles Cover

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 moved to broking before starting in 2000.

Three Castles’ Core Tenents

Insurance is a tough and customer facing industry. We believe in hiring people who are passionate and genuinely want to help our customers.

Success is a team sport. Both Cofounders invest heavily in the team, giving them pathways to progression and new skills. The opportunities fuel the team’s ambition to succeed. 

Delivering quality service to our customers is infused in our team’s DNA.

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Policies you may be interested in:

A red Classic Car insured under Three Castles Classic Car Insurance.
Audi A6 driving on the road, insured under Three Castles Cover's high value car insurance.
multiple cars parked outside, insured with Three Castles multi car insurance policy.