Sign up today and we'll fund an impact project of your choice
Planting Trees
Clean Ocean Plastic
Restore Coral Reef
Save Sea Turtles
Protect Marine Areas
Land for Wildlife
Protect Wild Habitats
Is Your Insurance Funding Climate Chaos?
- For every signup we fund environmental action
- Free digital certificates for your chosen impact
- Early access to ethical insurance products
- Founding policyholder exclusive benefits
- Access to exclusive community events
Be Part of the Movement
Systemic change doesn't happen without people power. Join our waitlist to reimagine insurance.
The Hidden Reality of Your Insurance Premiums
The UK’s insurance market is worth around £250 billion annually (2024), often funnelling premiums into investments that contradict policyholders’ values. With the market growing annually, this represents an significant flow of capital into potentially misaligned investments.
Traditional insurers provide limited transparency about where your money goes after you pay your premiums.
Over £1.8 trillion invested
The insurance industry is second only to pension funds. The value of investments managed by UK insurers currently exceeds £1.8 trillion. This vast sum represents one of the most concentrated pools of financial power in the UK economy.
£432 billion in fossil fuels
According to S&P (2019) , major insurers have around half a trillion pounds invested in fossil fuel related companies including coal mines, oil exploration, extraction and pipelines, and LNG. The last published data accessible is now more than 5 years old.
£6b in war and weapons
At least £6 billion invested by insurance companies in war bonds, arms manufacturers, and controversial weapons. This represents only documented investments from available research and likely underrepresents the true scale.
Working Together for Positive Impact
What makes our insurance ethical
Our Rigorous Vetting Process
Every insurance provider in our network undergoes comprehensive evaluation using our proprietary assessment framework:
Investment Analysis
50% weighting
Fossil fuel exposure, controversial weapons, ESG integration, and trend analysis
Underwriting Practices
30% weightingDirect fossil fuel coverage, project-specific assessment, industry sector analysis
Policies & Commitments
20% weightingClimate targets, exclusion policies, transparency standards, third-party verification
Investment Analysis
50% weightingFossil fuel exposure, controversial weapons, ESG integration, and trend analysis
Underwriting Practices
30% weightingDirect fossil fuel coverage, project-specific assessment, industry sector analysis
Policies & Commitments
20% weightingClimate targets, exclusion policies, transparency standards, third-party verification
Data Sources
We analyse SEC 13F filings, annual reports, industry databases, and third-party research from organisations including Insure Our Future, Reclaim Finance, ShareAction and Boycott Bloody Insurance.
Breaking the Cycle Through Collective Action
Our rigorous vetting process directly confronts this contradiction. By analysing investment portfolios, underwriting practices, and climate commitments, we identify insurers whose actions align with their words.
This isn’t about perfect solutions, it’s about directing insurance capital towards providers making genuine progress rather than those engaging in greenwashing. When certified companies collectively choose ethical insurance, they create market pressure that forces the entire industry to reconsider where they invest.
The mathematical reality is stark: with trillions under management, even small shifts in insurance investment patterns can accelerate or delay the energy transition by years. Your insurance choice isn’t just a business decision, it’s a climate action.
Learn more about the impact projects we support
Planting Trees
Overview
Trees are planted in critical ecosystems to combat climate change and restore habitats.
Details
Trees produce the air we breathe, filter the water we drink, provide habitats for the pollinators responsible for providing us with food, and mitigate the effect of heat waves by providing shade to a wide variety of landscapes. They take in CO2 from the air and use it to grow while converting it into breathable air (a.k.a. oxygen).
Forests have absorbed a net average of 7.6 billion tons of CO2 yearly between 2001 and 2019 alone!
Our partners plant trees where needed the most. They work in more than 40 countries and focus on the most important ecosystems. These areas are critical for fighting climate change and lowering carbon levels. Our partners, such as Arbor Day Foundation, Eden Reforestation Projects, and One Tree Planted, work in over 40 countries to plant trees where they are needed most.
Cleaning Ocean-bound Plastic
Overview
Here’s something we don’t like…the amount of plastic in the ocean. That’s why we’re cleaning it up worldwide.
Details
Plastic can take hundreds of years to degrade. Often, it gradually breaks down into smaller pieces, eventually becoming microplastics, which are now everywhere.
They pose significant harm to marine life, contaminate our food, and pollute our oceans.
Currently, there are estimated to be 75-199 million tons of plastics in our oceans. That's why we collaborate with reputable organizations like Oceans Integrity, Plastic Fischer, Plastic Bank, SEE Turtles, and others to contribute to ocean cleaning initiatives and prevent further plastic waste from reaching open waters.
Restoring Coral Reef Fragments
Overview
Coral Reefs are the lungs of the sea, where millions of creatures take refuge.
Details
Corals are colonies of millions of tiny animals. They are relatives of jellyfish and anemones and serve as habitats for a quarter of all marine species! They provide sustenance for countless people, attract substantial tourism, and act as natural barriers that protect shorelines from storms.
We collaborate with esteemed organizations like Coral Guardian and Biorock Indonesia to revive coral reefs
that have suffered damage or degradation due to human activities. Our partners cultivate live corals in nurseries and subsequently transplant them to the impaired reefs once the fragments reach a viable size.
Saving Sea Turtle Hatchlings
Overview
We ensure these little buddies thrive by keeping their habitats safe.
Details
Sea turtles play a crucial role in their ecosystem. They are essential for maintaining a healthy balance in our oceans and beaches. By consuming various organisms, they help control their populations. At the same time, sea turtles serve as food for several significant ocean and coastal predators, occupying a vital position in the intricate web of marine food chains. Their shells provide a home for numerous organisms, and certain sea turtle species carry entire communities on their backs, serving as a means of dispersal for many other species.
We collaborate with reputable organizations like SEE Turtles and Conservation des Espèces Marines to safeguard these magnificent and significant creatures.
Protecting Marine Areas
Overview
We protect vital marine ecosystems in key hotspots of the ocean.
Details
Protecting marine areas is a vital endeavor in ocean conservation. The areas we safeguard are designated as Marine Protected Areas (MPAs) due to their ecological significance in preserving marine ecosystems. We facilitate the protection of areas that play a crucial role in maintaining the health of aquatic ecosystems, such as reproductive and nursery grounds for important marine species, as well as biodiversity hotspots that sustain ecosystem function.
We collaborate with reputable organisations like Coral Reef Alliance. Our partners work diligently to ensure the enforcement of legal protection status for Marine Protected Areas (MPAs) by supporting the required infrastructure to deter illegal and destructive activities.
Purchasing Land for Wildlife
Overview
Our commitment is to Mother Earth and the creatures who call her home.
Details
Purchasing and protecting land for wildlife means safeguarding entire chunks of an ecosystem, instead of focusing on one species. This is necessary to ensure that the selected ecosystems can maintain their function and role in regulating climate and biodiversity.
Our partners work in crucial areas worldwide that house numerous unique and irreplaceable species and play significant roles in global climate regulation.
We collaborate with reputable organizations like Fundación Jocotoco and Rainforest Trust. Our partners manage funds to acquire land for wildlife and designate it as legally protected areas
Protecting Wildlife Habitats
Overview
Species survival requires intact ecosystems so we allocate resources to preserve natural sanctuaries.
Details
Protecting wildlife habitats means setting apart and protecting entire chunks of an ecosystem, instead of focusing on one species. This is required so that the selected ecosystems can maintain their function and role in regulating climate and biodiversity. Our partners work in key areas around the world that are home to thousands of unique and irreplaceable species.
These areas perform crucial roles in global climate regulation, like the Amazon Forest, the Atlantic Forest, Tundras, and more.
We partner with trusted organizations like Rainforest Trust, WeForest, Asociación ProPurús, Fundación Jocotoco, Snow Leopard Trust, and David Shepherd Wildlife Foundation.
Join the Movement
By pre-registering for personal insurance from Planet Protection, you’re not just filling in a form, you’re playing a pivotal part in systemically transforming the insurance industry from a source of harm to a force for good. Together, we can make a difference.
our ethical personal insurance products
Ethical Insurance Products in Development
We are developing offering ethical lines of insurance covering a range of different products starting with ethical home insurance (buildings and contents), motor insurance (car, van and motorbike), travel insurance (annual cover) and life insurance including mortgage protection and critical illness cover.
Ethical Home Insurance
Your home insurance should protect your buildings and contents, not fuelling the industries that are accelerating climate change and increasing the frequency of extreme whether events.
Same comprehensive coverage for flood, fire, theft, and liability, but your money won't contribute to the extreme weather events you're protecting against.
Ethical Motor Insurance
Comprehensive motor coverage that doesn't invest your premiums in fossil fuel extraction or controversial industries.
Full protection including third party, theft, and accident damage. We're developing preferential pricing and coverage for zero emission vehicles and economical driving habits. All while contributing to nature recovery.
Working Together for Positive Impact
