# Ripe Insurance

**Canonical:** https://apis.io/providers/ripe-insurance/  
**Website:** https://www.ripeinsurance.co.uk/  
**APIs profiled:** 2

Ripe Insurance Services Limited, trading as Ripe and part of Ripe Thinking Limited, is a Stockport-based United Kingdom digital Managing General Agent and specialist insurance intermediary authorised and regulated by the Financial Conduct Authority (FRN 313411). Founded in 1997 and majority-backed by Aquiline Capital Partners, Ripe underwrites and distributes niche personal and small-commercial lines direct to consumers through its own brands — Cycleplan, Golf Care, Insure4Boats, Insure4Sport and Ripe Caravans — covering caravans and motorhomes, park homes and holiday homes, photography and music equipment, valuables, shooting, golf, cycling, boats, over 400 sports, personal trainers, hair and beauty businesses, clubs and leisure organisations, and small business. It reports more than 400,000 policyholders. Ripe's API posture is honestly assessed as partner-gated with no public developer surface — there is no developer portal, no self-serve API programme, no published quote, bind, issue or FNOL API, and no ACORD reference anywhere on its estate. Its in-house platform is marketed as flexible and fast to integrate, but partnering is a business-development contact form on ripethinking.co.uk rather than a technical onboarding path. The only anonymously reachable, machine-readable API surface across the Ripe brand estate is the Umbraco CMS Content Delivery API that ships with its .NET content management system — read-only content and media, incidental infrastructure rather than an insurance product API. Its April 2026 Cycleplan ChatGPT app delivers real-time cycling quotes conversationally, but is a first-party consumer channel with no published API, MCP server, or spec.

## Kin Score — 42.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.2).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 40.6 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 57.1 |
| Access Clarity | 57.1 |

Regulatory layer — **Insurance**: 63.6 (matched via tags).

## Agent readiness — 47.7 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | na |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | na |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | na |

## APIs (2)

- **Ripe Insurance Umbraco Content Delivery API** — The read-only Umbraco CMS Content Delivery API served anonymously from the Ripe Insurance marketing and quote site. This is platform infrastructure that ships with Umbraco, not ...
- **Cycleplan Umbraco Content Delivery API** — The read-only Umbraco CMS Content Delivery API served anonymously from cycleplan.co.uk, the Ripe Insurance bike-insurance brand. Same platform infrastructure as the flagship sit...

## MCP servers (1)

- **Ripe Insurance MCP Server**

## Agentic access (1)

- **Ripe Insurance Agentic Access** — 8 operations

## Security (2)

- **Ripe Insurance Authentication** — none/apiKey/oauth2/openIdConnect · 3 schemes
- **Ripe Insurance Domain Security** — TLSv1.3 · DMARC

## Tags

Insurance, United Kingdom, Insurtech, Managing General Agent, Specialist Insurance, Personal Lines, Small Business Insurance, Underwriting, Direct to Consumer, Brokers

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/ripe-insurance/). Scores are computed from the provider's own public artifacts under a published rubric.