About Us

We connect insurers, retailers and customers. Seamlessly.

Who We Are

We are a UK-based insurtech empowering retailers of any size to offer their customers Product Protection cover at checkout for repairable items like furniture, eyewear, and power tools.

“Our mission is to offer Product Protection cover wherever products are sold.”

Jamie Hamer - CEO

Our Values

Trustworthiness

We act with integrity and transparency.

Innovation

We use technology to make protection simpler and smarter.

Reliability

We deliver consistent, high-quality service that you can depend on.

Fairness

We provide clear, honest and good-value protection.

Customer Focus

We design our solutions with the customer in mind.

What We Do

We help retailers offer product protection at the point of sale - online or in-store - seamlessly, securely, and at scale.

  • Black outline shield-shaped icon with a smiling person and three stars symbol inside.

    Embed insurance effortlessly

    Integrate protection directly into the customer journey with our swift, secure tech - no heavy lifting required.

  • Black outline shield-shaped icon with a computer monitor and chart symbol inside.

    Enhance customer experience and offer new opportunities to grow your business.

    Boost conversion, build trust, and reduce support requests by offering protection when it matters most.

  • Black outline shield-shaped icon with a megaphone symbol inside.

    Simplify insurance for any retailer

    We take care of the regulated insurance distribution, so you can focus on running your business.

  • Black outline shield-shaped icon with a circular arrow and armchair symbol inside.

    Connect insurers, retailers, and customers

    We bridge the gap between those who provide cover and those who need it, making distribution easy and effective.

  • Black outline shield-shaped icon with a chart and pound symbol inside.

    Support sustainability

    Our cover encourages repair and reuse, reducing waste and extending product life.

  • Give customers peace of mind

    Our insurance helps customers bounce back when things go wrong, from accidental damage, theft or defects.

Why We Do It

Many everyday purchases go unprotected. Traditional insurers struggle to distribute insurance at the point of sale, and retailers lack the tools to offer it. Loxa connects the dots to make it work for everyone.

Make protection simple and accessible

Insurance should be clear, convenient, and useful, not a hassle.

Bridge the gap between insurers, retailers, and customers

Insurers can’t distribute through retailers effectively, and retailers lack the tools - until now.

Empower all retailers, not just the giants

We give every retailer the tools to offer relevant protection and improve the customer journey.

Promote a circular economy

By protecting products, we extend their life, reduce landfill, and champion repair over replacement.

Help customers stay protected when accidents or unexpected issues occur

Accidents happen. Our cover helps customers get back on track when the unexpected happens.

Redefine how insurance fits the retail journey

Make protection a natural part of the purchase journey, not an afterthought.

How We Do It

We make integration effortless-plug into our platform via API or use our ready-made plugins for Shopify, WooCommerce, and Magento.

  • Black outline shield-shaped icon with a smiling person and three stars symbol inside.

    Seamless checkout integration

    Add product protection directly into the sales flow without disrupting the customer journey.

  • Flexible for every retailer

    Whether you're a high-street name or an online start-up, we’ve got an integration that fits.

  • We handle the regulated bit

    As an FCA-regulated intermediary (no. 1018666), we manage the insurance side - so you can stay focused on your business.

  • Trust, transparency, and clarity

    Transparent pricing and straightforward cover that’s easy to understand, and customers can trust.

  • Tech that keeps evolving

    We invest in smart tools, like AI categorisation and automated policy management, to keep insurance scalable and sharp.

  • Collaboration across the ecosystem

    From insurer to retailer to claims handler, we keep everyone aligned and the experience smooth.

What We Typically Cover

Make sure you check your full Policy Wording for full details of what you’re covered for, as well as any requirements and exclusions, but here are some of the coverages we provide:

Accidental Damage

Our products provide a repair or replacement service for your insured item should it be unexpectedly tarnished (e.g. scratched, snapped, stained etc) beyond reasonable use.

Theft

Our products provide a repair or replacement service for your insured item should it be unexpectedly tarnished (e.g. scratched, snapped, stained etc) beyond reasonable use.

Structural Defects

Our products provide a repair or replacement service for your insured item should it be unexpectedly tarnished (e.g. scratched, snapped, stained etc) beyond reasonable use.

Typical exceptions

We can’t offer cover for any non-UK residents. Our coverage only starts once the item has been received/delivered.