We Built This Because We Needed It Too
Back in 2019, I was helping a friend compare insurance providers for his growing transport business. Spreadsheets everywhere, policy documents that might as well have been written in code, and roughly fourteen browser tabs open at once. There had to be a better approach.
What Started as Frustration Became Our Foundation
We weren't financial experts when we started. That was the point. The three of us—an accountant tired of explaining the same concepts repeatedly, a data analyst who loved making sense of messy information, and someone who'd just spent six months choosing business insurance—realised we all wanted the same thing.
Businesses deserve to understand what they're actually buying. Not just the headline figure, but the real cost once you factor in what's included, what isn't, and what happens when things go sideways.
So we started kinoravexo in late 2020. The first version was honestly quite rough. But it worked. And people found it useful.
What We Actually Do
- Compare financial products across multiple providers with transparent criteria
- Break down complex terms into language normal humans can understand
- Show you the trade-offs so you can decide what matters for your situation
- Update our data regularly because providers change things all the time
- Explain our methodology openly so you know how we reach conclusions
Why Businesses Keep Coming Back
We Don't Take Commission from Providers
This matters more than you'd think. When comparison sites earn money by directing you toward specific products, their recommendations get murky. We charge for access to our platform instead. Keeps things straightforward.
Our Comparisons Go Beyond Price Tags
A cheaper policy that doesn't cover what you need isn't actually cheaper. We look at coverage limits, exclusions, claim processes, customer service ratings, and those annoying little fees that appear later. Then we show you all of it.
We Update Data Weekly, Sometimes Daily
Insurance providers and financial services love changing their terms. New products appear, old ones get modified, prices shift. Our team checks sources constantly because outdated comparisons are worse than useless—they're misleading.
Built for People Who Run Actual Businesses
You don't have time to become an expert in business insurance or commercial lending. Neither do we, really. So we talk to people who are experts, verify what they tell us, and translate it into practical information you can use to make a decision.
Meet Declan Kirkwood
Research Director
Declan joined us in early 2022 after spending seven years analysing risk models for a mid-sized consultancy in Birmingham. He got tired of watching businesses make decisions based on incomplete information.
His background in actuarial science means he actually understands the probability calculations behind insurance premiums. Which sounds boring until you realise it helps us spot when a product is priced oddly compared to what it offers.
He oversees our methodology, trains our research team, and occasionally reminds us that correlation doesn't equal causation when we get excited about patterns in the data.
Outside of work, he's learning to restore vintage motorcycles and frequently texts photos of rusty engine parts to the team chat. We're supportive, mostly.
How We Actually Work
Gathering Data from Real Sources
Every comparison starts with raw data collection. We pull information directly from provider websites, policy documents, and regulatory filings. Then we verify it through multiple channels because providers sometimes update things without announcing it publicly.
Breaking Down What It Actually Means
Financial products are deliberately complex. Our job is translating them into plain comparisons. We create standardised metrics so you can compare things fairly, then explain what each metric means for your specific situation.
Multiple Reviews Before Publishing
Every comparison goes through at least three team members before we publish it. Someone checks the data accuracy, someone else verifies our interpretation makes sense, and a third person tests whether our explanation is actually understandable.
Continuous Monitoring and Updates
Markets change. New providers appear, established ones modify their offerings, regulations shift. We track these changes systematically and update our comparisons accordingly. You'll see revision dates on every analysis.
Here When You Have Questions
Our comparisons answer most questions, but not all of them. Sometimes you need to talk through how a specific scenario would work. That's fine. Our support team actually knows the products—they're not reading from scripts.
Let's Talk About Your Comparison Needs
If you're comparing financial products for your business and want transparent analysis without hidden agendas, we should talk. We can walk you through how our platform works and whether it makes sense for your situation.
Get in Touch