---
title: "Flat Rate PMI Cover"
ocid: "ocds-h6vhtk-077691"
canonical_url: "https://d3tenders.com/contract/?ocid=ocds-h6vhtk-077691"
markdown_url: "https://d3tenders.com/contract/ocds-h6vhtk-077691.md"
json_url: "https://d3tenders.com/contract/ocds-h6vhtk-077691.json"
source: "Find A Tender Service"
current_stage: "Award"
buyer: "THIRTEEN HOUSING GROUP LIMITED"
published: "2026-09-21"
---

# Flat Rate PMI Cover

Buyer: THIRTEEN HOUSING GROUP LIMITED  
Current stage: Award  
OCID: ocds-h6vhtk-077691

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[Download OCDS JSON](https://d3tenders.com/contract/ocds-h6vhtk-077691.json)

## Summary

Thirteen Housing Group Limited procured private medical insurance cover for its colleagues through a flat-rated, community-based pricing model. The requirement is for a hybrid private medical insurance product, described as flat-rate PMI cover, with the service structured around an initial term and potential annual continuation. The procurement is for insurance services, specifically medical insurance services. Delivery applies across the United Kingdom. The buyer is Thirteen Housing Group Limited, a housing organisation based in Middlesbrough. The requirement was awarded as a single lot and is suitable for small and medium-sized enterprises. The selected provider is Equipsme Insurance Services Ltd, an insurance business based in London. The arrangement is intended to support the buyer’s colleague offering through a consistent community-based pricing model rather than a conventional individually rated medical insurance product.

The procurement is complete and has been awarded. Thirteen Housing Group Limited used a direct award procedure because Equipsme Insurance Services Ltd was identified as the only current provider of flat-rated, community-based pricing for this hybrid private medical insurance product; the buyer cited Schedule 5(6) of the Procurement Act 2023 and single-supplier technical reasons. The contract was awarded to Equipsme Insurance Services Ltd on 21 September 2026 for £2,505,600 including tax. The initial contract period runs from 1 November 2026 to 31 October 2027. The award includes two optional 12-month extensions, allowing the arrangement to continue until 31 October 2029 if the buyer continues the colleague offering and agrees price increases before each extension. A signature milestone was scheduled for 23 October 2026.

This requirement is most relevant to insurers or specialist intermediaries able to provide private medical insurance through a flat-rated, community-based pricing model. A credible competitor would need to offer a hybrid PMI product designed for an employer’s colleague population, with pricing that is consistent across the relevant community rather than based solely on individual risk. The awarded route shows that the buyer valued a distinctive product model and relied on a direct-award justification based on its availability from a single current provider. Suppliers considering future work with this housing group would therefore need clear evidence that they can reproduce the same pricing approach, administer medical insurance effectively for an organisational workforce, support continuity over annual periods and manage agreed price changes when any continuation is considered.

## Notice

Flat Rated Community Based pricing model of a PMI product on a 1 + 1 + 1 year basis.

### Procurement Information

Equipsme Insurance Services Ltd are the only current provider of Flat Rated Community Based Pricing for a Private Medical Insurance hybrid product. Therefore, Schedule 5 (6) applies to this procurement type.

## Key Details

| Field | Value |
| --- | --- |
| Publication source | Find A Tender Service |
| Latest notice | https://www.find-tender.service.gov.uk/Notice/089219-2026 |
| Notice type | UK6 - Contract Award Notice |
| Procurement type | Standard |
| Procurement category | Services |
| Procurement method | Direct |
| Procurement method details | Direct award |
| Tender suitability | SME |
| Awardee scale | SME |
| All stages | Award |

## Dates

| Field | Value |
| --- | --- |
| Publication date | 21 Sep 2026 |
| Submission deadline | Not specified |
| Future notice date | Not specified |
| Award date | 21 Sep 2026 |
| Contract period | 1 Nov 2026 - 31 Oct 2027 |
| Recurrence | Not specified |

## Values

| Field | Value |
| --- | --- |
| Tender value | Not specified |
| Lots value | Not specified |
| Awards value | £2,505,600 |
| Contracts value | Not specified |

## Status

| Field | Value |
| --- | --- |
| Tender status | Complete |
| Lots status | Complete |
| Awards status | Active |
| Contracts status | Not specified |

## Buyer

| Field | Value |
| --- | --- |
| Main buyer | THIRTEEN HOUSING GROUP LIMITED |
| Locality | MIDDLESBROUGH |
| Postcode area | Cleveland |
| Postcode | TS2 1QG |
| Country | England |
| ITL 1 | TLC North East (England) |
| ITL 2 | TLC3 Tees Valley |
| ITL 3 | TLC32 South Teesside |
| Local authority | Middlesbrough |
| Electoral ward | Central |
| Westminster constituency | Middlesbrough and Thornaby East |
| Delivery location | Not specified |

## Supplier

| Field | Value |
| --- | --- |
| Number of suppliers | 1 |
| Supplier names | EQUIPSME INSURANCE SERVICES LTD |

## CPV Codes

### Divisions

- 66 - Financial and insurance services

### Codes

- 66512220 - Medical insurance services

## Release History

- 21 Sep 2026 at 14:31 - Award - UK6 - Contract Award Notice - https://www.find-tender.service.gov.uk/Notice/089219-2026
- 21 Sep 2026 at 14:25 - Award - UK5 - Transparency Notice - https://www.find-tender.service.gov.uk/Notice/089210-2026

## Documents

- https://www.find-tender.service.gov.uk/Notice/089219-2026
  21st September 2026 - Contract award notice on Find a Tender
- https://www.find-tender.service.gov.uk/Notice/089210-2026
  21st September 2026 - Transparency notice on Find a Tender

## Notice URLs

- http://www.equipsme.com
- http://www.thirteengroup.co.uk
- https://www.legislation.gov.uk/ukpga/2023/54/contents

## Provenance

This Markdown file is an alternate public rendering of the D3 Tenders contract record. The canonical page is https://d3tenders.com/contract/?ocid=ocds-h6vhtk-077691. The underlying structured data is available as OCDS JSON at https://d3tenders.com/contract/ocds-h6vhtk-077691.json.