Penetration Testing for UK Insurance Firms
CREST-accredited penetration testing for UK insurers, brokers, MGAs, insurtech, claims management firms and comparison sites. FCA / PRA-aligned methodology, cyber insurance proposal-form evidence, claims data, broker integrations, policy-administration platforms. Operational-resilience focused.
- Unlimited retesting
- Unlimited pre-retesting
- No hidden fees
“I would highly recommend EJN Labs to any organisation seeking reliable, detailed, and well-managed penetration testing services, particularly for government or enterprise-level projects.”
“There wasn’t another company we could find that could deliver what we needed in the timeframe we needed. The client loved it, and we got instant ROI from the engagement.”
penetration test scoped to your important business services gives you evidence for FCA and PRA operational resilience work and for the questions on your cyber insurance proposal form.
What FCA, PRA & Cyber Insurance Underwriters Expect
Operational resilience. FCA and PRA operational resilience requirements call for in-scope firms to identify important business services, set impact tolerances and test severe but plausible disruption scenarios. Penetration testing can identify exploitable weaknesses in systems supporting those services and inform remediation and scenario testing. FCA Handbook; PRA SS1/21.
Cyber insurance underwriting. Some UK cyber insurance applications ask whether an organisation conducts vulnerability assessments or penetration tests and remediates critical findings. We can scope testing and document findings and remediation against the specific questions your broker or insurer asks. Requirements vary by insurer and policy. DUAL cyber proposal form.
Operational resilience for insurers. PRA requirements under PS6/21 and SS1/21 apply to in-scope insurers and address impact tolerances and scenario testing for important business services. Penetration testing can provide evidence about technical weaknesses in the systems those services depend on; demonstrating resilience also requires broader scenario testing and evidence of response and recovery. PRA PS6/21; PRA SS1/21.
SCOPE
What We Test for UK Insurance Firms
Policy Quote & Buy
Customer-facing quote engines, online buy flows, payment integration. OWASP Top 10, business-logic flaws, pricing-engine manipulation, IDOR across customer records.
Claims Platforms
Claims-management systems, FNOL journeys and loss-adjuster portals. Claimant and adjuster separation, claims-evidence integrity, claims-amount tampering, payment destination changes, document upload security.
Underwriting & Policyholder Apps
Underwriting workbenches, policyholder apps and document distribution. Delegated authority limits, rating-input tampering, quote expiry, and policyholder privacy across shared documents.
Broker / Reinsurance APIs
API testing for broker-portal integrations, reinsurance data feeds, MGA / aggregator connections. OWASP API Top 10 with insurance-specific data flows.
Network & AD
Internal AD attacks, segregation between underwriting, claims, and finance. Privileged access, file-share scoping, remote-access pathway testing.
AWS / Azure
Cloud configuration review for insurance-data deployments. IAM, encryption, KMS, audit logging, multi-region replication scrutiny for data-residency compliance.
Red Team
Multi-week assume-breach engagements modelled on ransomware actors targeting insurance firms (e.g. CL0P, BlackCat). Spear phishing, persistent C2, full kill-chain.
OUR PROCESS
From Scope to Attestation in 4-6 Weeks
Scoping Call
30-minute technical scoping call. Define attack surface, methodology, rules of engagement, and timeline. Fixed-price quote within 24 hours.
Active Testing
3-15 days of hands-on testing by CREST-certified pen testers. Daily status updates and live findings delivered to your client portal.
Reporting
Executive summary plus full technical report with CVSS scores, reproduction steps, screenshots, and specific remediation. 60-minute walkthrough call.
Free Retest
After remediation, we retest at no extra charge. Letter of attestation provided for audit, regulator submission, or insurance underwriting.
CREDENTIALS
Verified Accreditations Auditors Accept
Every credential below is independently verifiable. UK procurement teams, FCA supervisors, ISO 27001 / SOC 2 auditors, and cyber insurance underwriters all recognise these standards.
GET YOUR QUOTE
Get a CREST Insurance pen test quote in 24 hours
A fixed-price quote back in one business day, from a named CREST assessor. No sales pipeline, no chasing.
- CREST and IASME accredited. Testing your auditors and clients already recognise.
- Fast-track testing within 24 hours where required. Free retest of every fix included.
- Live findings via your client portal, not a four-week PDF.
- Fixed price from £3,500 for a single-role, single-app scope, agreed up front. Most engagements run £5,000 and up. No day-rate surprises.
Dan WilcocksonFounder, CelloriUnder NDA Further named references available on a scoping call.
- We reply within one business day with a fixed-price quote from a named CREST assessor.
- You approve the scope and we book a start date, usually within 24 hours.
- Live findings land in your client portal as we test, with a free retest of every fix.
Get your fixed pen test quote in 24 hours
Quote request received
We will reply within one business day with your fixed-price quote from a named CREST assessor.
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or book a 20-min scoping call first
We reply within one business day. Your data stays with us. No newsletter signup.
COMPLIANCE READY
Reports Aligned to Every Framework
Findings map to specific control references in each framework, so your audit team submits the report directly without translation work.
FCA / PRA Operational Resilience
Important business services testing, severe-but-plausible scenarios.
Solvency II
IT controls evidence for PRA-supervised firms.
ISO 27001
Annex A.12.6.1 with insurance-sector A.18 controls.
Cyber Insurance
Findings and remediation documented against the questions on your proposal form. Requirements vary by insurer and policy.
UK GDPR
Article 32 with claims-data protocols for special-category data.
SMCR
Senior Manager personal-accountability cyber evidence.
PRICING
Indicative Engagement Pricing
Fixed-price quotes confirmed during scoping. Free retest, executive summary, walkthrough call, and letter of attestation included.
Depends on service + scope
External / web / API / mobile single-target engagement. CREST-certified delivery. Around 3 to 5 working days from kickoff to report.
Get a fixed quoteDepends on service + scope
Multi-target combined engagement (web + API + external + AD), or single complex target. Typically 7-10 days.
Get a fixed quoteDepends on service + scope
Full-stack engagement (multiple cloud accounts, hybrid AD, complex web + API + mobile). Typically 12-15+ days.
Get a fixed quoteWHY EJN LABS
What You Get From Insurance Penetration Testing
Six concrete differentiators competitors don’t all match.
CREST-Certified Testers, Verifiable
Every test by a CREST-certified pen tester (CRT, CCT APP, CCT INF where applicable). Verify our company status at crest-approved.org.
24-Hour Startup, Where Required
From signed scope to active testing in a single business day for incident response, audit deadlines, or regulator-driven timelines.
Live Findings, Not 4-Week PDFs
Critical issues reported during testing through your client portal. Your team remediates while testing continues.
Audit-Ready Reports
Executive summary plus full technical report with CVSS scores and explicit framework mappings (ISO 27001, SOC 2, PCI DSS, FCA SYSC).
Free Retests, Standard
Verify remediation of every finding before close-out. Letter of attestation for audit submission included. Most competitors charge £1,500-£3,000 per retest.
UK-Based CREST Testers
Every engagement performed by vetted, UK-based CREST-certified testers, matched to your needs, security clearance, and compliance scope.
FAQ
Frequently Asked
Will your report satisfy our cyber insurance underwriter?
Requirements vary by insurer and policy. Some UK cyber insurance applications ask whether you conduct vulnerability assessments or penetration tests and remediate critical findings. We scope the test and document findings and remediation against the specific questions your broker or insurer asks, and we tailor the letter of attestation wording to those questions where requested.
How do you map to FCA / PRA Operational Resilience?
Our reports include an Operational Resilience appendix mapping each finding to the firm’s identified important business services, the firm’s impact-tolerance thresholds, and the severe-but-plausible scenario testing required by SS1/21.
Can you simulate ransomware actors specifically?
Yes. Our red team service models specific UK-active ransomware actors (CL0P, BlackCat, LockBit successors) using their published TTPs from threat intelligence. Optional ransomware tabletop facilitation for executive teams.
Do you support broker / MGA testing?
Yes. Broker portal and MGA aggregator testing covers the integration boundary between the insurer, intermediary, and end customer. Specific scrutiny of bordereaux file processing, premium calculation tampering, and policy-binding workflows.
How do you handle claims-data confidentiality?
Claims data carries special-category-data status under UK GDPR. We test in non-production environments with synthetic claims data, or with explicit DPO approval on production with restricted scope.
Can you test our reinsurance integration?
Yes. Reinsurance data feed testing covers data-feed integrity, party-authentication, and rate-confidentiality between primary insurer and reinsurer. Integration with leading reinsurance platforms supported.
Do you provide attestation for PRA submissions?
Yes. Our letter of attestation is suitable for PRA-supervisor return submissions and the firm’s Operational Resilience self-assessment under SS1/21.
Which insurance organisations do you test for?
Insurers, brokers, MGAs, insurtech firms, claims management companies, underwriting software vendors and comparison sites.
What does an insurance test check that a standard web app test does not?
The boundaries between insurer, broker and policyholder: broker-to-broker separation, delegated authority limits, quote and rating tampering, claims-evidence integrity, payment destination changes, and who can see which policy documents.
What’s in the report?
Executive summary (board-ready), technical report with CVSS 3.1 scores, reproduction steps, screenshots, specific remediation guidance, and a 60-minute walkthrough call. Letter of attestation issued after free retest.
Do you sign NDAs?
Yes. We sign client-supplied NDAs as standard. Engagement data is protected under our ISO 27001 (BSI-audited) information security management system.
How quickly can you start?
From signed scope to active testing in 24 hours where required. Standard pipeline is 3-5 business days from initial scoping call to test start.
Are your testers UK-based and what certifications do they hold?
Every engagement is performed by vetted UK-based CREST-certified testers matched to your engagement based on security clearance, compliance scope, and sector specialism. Testers hold CREST certifications relevant to their discipline (CRT, CCT APP, CCT INF, CCSAM).
20+ CREST-accredited testing services in one place
Web, mobile, API, cloud, AI, infrastructure, red team. Pick the test that fits your environment.
Get my Insurance pen test scope
A CREST-certified pen tester will contact you within one business day with a fixed price aligned to your insurance regulatory needs.
