The modern alternative to your employee benefits broker.

See what your benefits broker missed in a free 30-minute review with a qualified benefits expert.

We'll tell you how your scheme compares to other companies your size, whether the cover still fits your team, and what better could look like - with an actionable report you'd pay your broker thousands for.

Kota provided a more affordable quote than our previous industry-leading broker.
Stuart Hunt
Vice President Human Resources, Ikon Science

Get a free, actionable benefits report

No paperwork, no commitments

Facetime with a real benefits expert

Powering benefits for 65,000+ employees

What's included

Get a better benefits review than you'd pay most brokers thousands for.

In this free 30 minute session, your benefits specialist will walk you through six things a typical renewal conversation doesn't - and you leave with a written read you can actually forward to finance.

Book free review
01

Are you paying too much?

We compare your price to what other companies your size and industry are paying. You'll see a clear number - above average, average, or below - that you can take straight to finance.
02

Is the price increase fair?

Health insurance prices are rising across the UK this year - but some increases are reasonable and some aren't. We tell you which one yours is, and why.
03

Are you paying for things no one uses?

Every insurer has add-ons - dental, optical, rewards and discounts, subsided gyms etc... We tell you which extras your team actually uses, and which you're funding for nothing.
04

Does your cover still fit your team?

Mental health, women's health, fertility, family cover - the things employees actually ask for now. We flag any gaps so you can fix them before you renew, not after.
05

What would it cost to switch?

If you want, we'll get competitive quotes from every major insurer - including Bupa, Aviva, Vitality, and Axa - and lay them out side by side for easy review. Zero obligation to switch.
06

What does switching actually involve?

You'll get a short, written recap of everything we find - yours to share with your CFO, use as leverage in your next renewal call, or file and forget. No strings.

Employee benefits you can trust

"   Kota provide amazing customer service and go above and beyond to answer pension and health insurance queries."
"   A great team to work with, super responsive and very informative. They make pensions and insurance actually make sense to me."
"  Game changer, we are saving so much time with the tech available to us with Kota."
Licensed by the Central Bank of Ireland.
"   Kota provide amazing customer service and go above and beyond to answer pension and health insurance queries."
"   A great team to work with, super responsive and very informative. They make pensions and insurance actually make sense to me."
A great team to work with, super responsive and very informative. They make pensions and insurance actually make sense to me.
Licensed by the 
Central Bank of Ireland.
5 star rating
5 star rating
5 star rating

Who is Kota & why is it free?

The honest answer: it's the best way to show what we do.

A quick introduction first: Kota is what a broker would be if it was built with the modern business in mind. We help companies pick the right health insurance, pensions, life cover and income protection - and we provide an app that handles all the admin and employee experience.

We look after benefits for more than 65,000 employees across the UK and Ireland, at companies like Cloudsmith, Carwow and Life Scientific.

Most companies that switch to us do it because we showed them something useful in 30 minutes that their old broker had missed.

The free review is how we prove that - without you having to commit to anything. If your current setup is fine, we'll tell you. If it's not, we'll explain why and what better looks like.
Book free review

No paperwork to sign

You're not signing anything. The review is free whether you go with us or stay put.

No platform lock-in

Kota's platform makes admin painless, but you're not buying it just to get the review. Separate decision, separate conversation.

Your information stays private

We only ask for documents if you want fresh quotes. Everything you share is protected under FCA rules.

Replies in hours, not days

You'll have one expert as your point of contact, with a direct line. No call centres, no rotating account managers.

How it works

Two calls. A clear answer on your renewal.

01

The review call

Your specialist walks through your current setup, benchmarks it against the market, and flags what's working and what isn't. You leave with a clear read on your renewal.

-> Renewal benchmark vs. companies your size
-> Scheme-fit & utilisation read
-> Short written summary in your inbox afterward
02

The quote call

If your review surfaces room to do better, we'll run your scheme across the market and present real quotes. You decide whether to move, renegotiate, or stay put. No pressure either way.

-> Quote comparison across 6+ insurers
-> Plain-English breakdown of the trade-offs
-> Platform preview (optional) if you want to see how admin disappears

Kota's broker service is backed by our benefits platform. If you move to us, your starters, leavers, payroll and renewals run automatically. But that's a conversation for later.

Who it's for

Built for UK SMBs between 10-1000 employees

This is who the big consultancies don't serve properly - you get a templated product and a rotating account manager. It's also the stage where a genuinely good review can change impact your team and financials the most.

This is for you if:

Your company already has health insurance for employees
You're the person who decides on employee benefits
Your renewal is within the next 6 months

This probably isn't for you if:

You're shopping for personal health insurance (we work with employers)
You have no employees in the UK & Ireland
You're looking for a platform demo - book that here instead

Hear what our customers have to say

"People think they have to deal with brokers and paperwork, but that is not the case with Kota. It really works from an employee engagement perspective."

Niamh Langton, Studio Manager
A dramatically improved employee app experience
Significantly reduced ongoing admin for financial benefits
No more time-consuming broker back-and-forth

"Kota just makes everything easy to be honest. Everything is a lot more modern than what we were used to. Kota is seamless - we used brokers in the past and were clunky."

Lauren Seawright, Chief of Staff
Employee benefits set up in just a few clicks
Self-service for employees to access pension and health in one app
A benefits system that scales with Cloudsmith’s growth

"Kota is a game changer for us. Kota didn’t just streamline our processes. It raised the bar for what we expect from a benefits partner. It’s night and day to our 'old world’."

AnneMarie Lowry, Culture & People Enablement Director
A dramatically improved employee experience
Zero manual admin across onboarding, offboarding and updates
A benefits system that scales with Life Scientific's growth

“Before, everything to do with employee benefits was disconnected. Now, it’s all automated in one place. With Kota, it just works.”

Idan Shteinberg, People Operations
Rolled out 11+ flexible benefits through one platform
Automated onboarding and offboarding via HRIS integration
'Best use of benefits technology' at the Employee Benefits Awards

Frequently asked questions

Is this actually free?

Yes. No fees, no obligation to switch broker, no platform purchase required. We run a limited number of these reviews each month because they're a better way to show what we do than any demo would be.

Do I need to be planning to switch broker?

No, but the option is there. The point is to give you an independent read on your renewal - useful whether or not you move.

What do I need to prepare?

For the first call, just your current provider, rough employee count, and renewal date. If you want a full market-wide quote comparison afterwards, we'll ask for your scheme documents and a broker authorisation (takes two minutes).

How long does it take to see quotes?

For renewals, typically 3–7 working days depending on insurer response times. For smaller teams setting up fresh cover, often same-day indicatives.

Who is Kota?

We're an FCA-appointed representative and CBI-licenced broker. What sets us apart is our integrated platform, powering benefits for 65,000+ employees across the UK & Ireland. We broker PMI, group life, income protection and pensions - and we build the software that makes admin disappear by connecting your HR systems direct to benefits providers.

Will I have to sit through a software demo?

No. The first call is a benefits review. If you ask about the platform, we'll show you a short preview - but it's not the point of the conversation.

Modern benefits management starts here

If you're managing employee benefits across spreadsheets, brokers, and broken integrations, it's time for a simpler approach. Kota gives you complete control, without the admin burden.