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Top 100 Digital Insurance Companies in Europe

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The insurance industry has not been left behind in terms of the use of digital technology. The sector has welcomed new digital technologies that are transforming the way insurers and customers interact.

For many years, people found it a challenge to buy, renew and raise a claim due to poor communication between the insurers and the customers. However, with digitalization, insurance companies are reaching out to their customers through websites, social media, apps, text, email, live chat, and other digital channels.

That means they’re using their digital insurance platforms to complete transactions, offer hassle-free experiences or scale their business model.  The digital trend is going to be one of the mainstays of the sector in Europe.

The article will tell you about the digital trends and the top 100 digital insurance companies in Europe.

Insurance Industry Digital Trends

Free Online Insurance Quotes

Today shopping for insurance policies has become much easier than it was some years back. Clients can now find free insurance quotes online from almost all insurance providers. They can also choose and purchase their policy online thus eliminating the need to physically meet with an insurance agent or call to enquire about insurance products.

Internet of Things (IoT)

Insurers can now generate real-time data about the customers’ lives as a result of the digitally enabled devices. The data is important because it helps in innovation and creating new opportunities in the industry. These are important initiatives that are geared towards helping policyholders to save money.

Artificial Intelligence (AI)

Insurance customers yearn for personalized experiences and with the use of AI, insurers are now able to customize unique experiences for them.

Further, modern customers are demanding high-speed services because they don’t have a lot of time to wait. The good news is that with the help of AI insurers are now able to match their customers’ expectations. They have been able to alter the underwriting process and improve the claims’ turn-around time.

Additionally, insurance providers can now generate real-time and accurate reports with the help of AI-enabled systems.


Policyholders can easily get digitally generated answers to FAQs than before. In fact, digital technology has bridged or reduced the gap in the turn-around time for various transactions and increased resources, thus helping policyholders to peruse through insurance products and services.

Social Media

Facebook, Twitter, Instagram, LinkedIn and more are some of the social media platforms that businesses have turned to communicate with their customers. Insurances companies are now going to where they can easily find both new and existing policyholders.

Customers, on the other hand, are using social media platforms to research insurance companies, review their products and read reviews about them.

Personalized Insurance Products

Today’s customers are running away from companies using a one-size-fits-all approach. They are looking for customized insurance products offered digitally. As a result, this approach gives customers all-in-one lifestyle products, peer-to-peer products and flexible coverage options.

Pros of Digital Insurance

The following are the reasons why insurers are embracing digital insurance solutions.

Brand Awareness: Insurance companies use their websites to carry out their digital marketing initiatives geared towards educating their potential customers about their products. Aside from their website, they use their apps, social media, email marketing and content marketing to reach potential customers and increase brand awareness.

Reduced Cost: To a considerable extent technology has reduced the gap between the insurer and policyholder. In the past, companies spent more on traditional marketing methods and infrastructure thus high operating expenses. These costs have significantly reduced with the advent of digital marketing thus insurance companies are able to pass those benefits to their customers in form of cheaper premiums.

Offers Hassle-free Online Transactions: Customers are looking for quick resolution of their problems and so online transactions have simplified how they enquire about insurance products, purchase or raise claims with their insurance provider. In the end, this enriches their overall experience and increase their loyalty.

Enhanced Safety: There was a high risk of your policy getting lost or damaged when insurance companies were processing paper applications. However, with an electronic form, the entire application process is safe and policyholders can access it anytime and anywhere. It also protects them against fraud or misspelling by brokers and distributors.

After Sales Service: Policyholders feel forgotten after purchasing insurance coverage; however, digital insurance allows providers to offer post-sales services like hassle-free claim processing. They can also use their social media platforms to interact with their customers, receive complaints and feedback.

Top 100 Digital Insurance Companies in Europe

AkinovA: The company is building an electronic marketplace purposely for the transfer and trading of insurance or reinsurance risks. AkinovA will achieve this through partnerships and collaborations in the industry. Further, it will maximize the risk transfer value chain through the provision of a trading platform and clearinghouse that is industry regulated and capital markets grade. So regulators and participants will be able to get valuable data and analytics harvested from the aggregated data from the marketplace. AkinovA is located in Liverpool Street, England.

AKUR8: The Paris-based insurtech is set to revolutionize insurance pricing using transparent AI that automates the insurance companies modelling. Regulators across the world want insurance firms to keep control and maintain full transparency on the models they create. The company reconciles actuarial worlds and machine learning in order to enable customer lifetime value-based price optimization. This insurance company was developed specifically for non-life insurers.

Anorak Technologies: The technology company has brought to the market a world-leading protection sales software platform that helps to unlock the potential of the insurance market. Today lenders, banks, advisers, brokers, insurers and other digital disruptors can now sell income protection, life insurance and health insurance coverage more efficiently and at scale. The London-based digital company is made up of tech geeks, data experts, life insurance specialists and design gurus. The aim is to change the way people insure their future and help insurance companies reach the millions of UK unprotected individuals and families. Anorak is bickered by Triple Point Ventures, Outward VC, and Kamet Ventures.

Artificial Labs: The company’s mission is to make complex underwriting frictionless for insurance firms with a powerful automated platform. In other words, Artificial builds tools to empower commercial insurance providers to quickly, accurately and efficiently write better risks. With data ingestion, the insurer replaces manual data entry with digital, real-time extraction. Generating accurate data reduces loss ratios and enhances risk selection.

Asistensi: The Madrid-based insurance company offers migrants protection against financial setbacks of health emergencies that their families back home may experience. This helps them to take care of their loved ones’ wellness. Health is a vital element in every nation’s prosperity and Asistensi has a goal to help countries with its digital-first approach towards health insurance. Further, the company offer emigrants the support they want.

AWARE7: The Germany-based firm offers Risk Rex to help SME assess and link cyber security risks to solutions, loans and insurance.

Axieme: This is social insurance based in Italy that provides coverage to communities comprising people of the same coverage needs. Thus policyholders put in groups or circles, generate and share data about claims they experience. Policyholders with fewer claims get high giveback. The goal is to improve awareness, transparency, and equity at the same time reducing moral hazards and frauds. Further, the insurance platform is developed on API technology whose objective is to empower bancassurance, carriers and distributors to seamlessly integrate with third-party and operate digitally. To support the digitalization of the insurance industry, Axieme leverage integrated innovation using technologies like big data, fraud detection, Internet of Things (IoT), chatbot and Robo-advisor.

BestDoctor: It’s a healthcare company with the second-highest number of users interested in its tech insurance products. BestDoctor is a strong player in the b2b market due to its risk management innovations, digital medical services and customer-centric product development. Doctors from this company perform almost 30 telemedicine consultations every day while over 200 insured users visit its partner clinics for treatment.

Bequest: The insurance company offers hassle-free setup, no middlemen, hidden fees, tie-in contracts or probing questions. Instead, its policies are tailored made for the customer, are reliable and honest. Thus Bequest ensures that your loved ones are looked after.

Bikmo: The company applies technology when developing its insurance products to ensure policyholders are protected against unexpected events. Bikmo manages its policy in an ultra-simple manner and uses its team of bike geeks to offer exceptional customer experiences to the bike holders and the adventure sports community.

Brolly: Policyholders can consolidate their multiple insurance policies under one dashboard using this policy management platform. Direct Line Group acquired this digital insurer in 2020 and the new company wants customers to care for their loved ones in a simple and joyful manner.

Bsurance: The firm applies the B2B2C business model, individualizes, digitalizes and develops innovative insurance products. Next, the tech company embeds them into its sales processes, products and services in a simple way and places them where they matter such as in cashier systems, webshops and apps. As a result, customers can now access fairly priced, relevant insurance products.

By Miles: The firm believes that the time has arrived for the car insurance sector to change how it treats low mileage drivers. So By Miles is on a mission to make your driving fairer through pay-by-mile insurance policy.

B3i: A diverse community of 40 companies and major insurance industry investors support its global initiative. The company is building a well-supported platform and protocol by developing partnerships and growing its network. These industry-led or company-led initiatives will help tackle critical insurance industry needs being experienced globally. In the end, B3i will deliver better solutions such as fast access to insurance, less administrative costs and operational risks.

Canopy: The tech company targets landlords and renters by designing an ecosystem that meets their needs and benefits all parties. The plan is to replace unnecessary or expensive cash deposits with deposit-free insurance. This helps unlock billions of pounds in deposits and return it to the UK’s economy where it’s needed.

CarePay International: The platform was initially built on mobile money foundations was later linked to various digital payment networks. CarePay permanently connects premium payers, patients, healthcare providers and insurers in a standardized way. Its services are accessible using any mobile phone and connected stakeholders can use the mobile health wallets to send, receive, and transfer healthcare funds to another person instantly and at a minimal cost.

Cazana: The automotive fintech company uses predictive analytics and big data to analyses daily automotive transactions in order to assess the risks and value linked to each vehicle on the road. Global insurers, dealerships, finance companies and manufacturers use systems from Cazana to obtain automotive insights needed to establish the future of vehicle ownership and mobility.

ClaimVantage: Industry-leading software from ClaimVantage empowers employers, third party administrators and insurance companies across the globe to securely and efficiently manage health, life and absence claims. Industry experts develop and update this intuitive and configurable cloud-based software hosted on the Salesforce platform.

Clark: The Berlin-based insurance provider was launched in June 2015 to offer simple and customer-centric insurance advice. The insurer combines insurance expertise and technology to provide cheap, transparent and comprehensive coverage. The company is supported by insurance think tank ITA and FinTech incubator FinLeap. In 2019, the company was ranked as the fastest-growing digital company during the Grunderszene Award. Its mission is to change the future of the digital insurance experience starting with the initial interest to purchase a policy to searching for information to getting a favorable quote to buying an insurance policy.

Cleverea: Together with its partners such as the insurers/insurtechs, neobanks, airlines and brokers, Cleverea focuses on a B2B2C distribution strategy. It technologically develops, design and strategically distribute its insurance products particularly to the millennial generation.

Collective Benefits: This is an insurtech platform for the 6M UK self-employed workers. The company has products that enable companies to provide meaningful protections to the self-employed workforce or gig workers. The platform offers benefits such as mental health support, wellness packages, sick pay, accident cover and other exclusive perks. These benefits were all inaccessible to gig workers.

Corax: This cyber risk analytics platform provides loss analytics, modelling and data about cyber exposure of numerous interconnected companies across the globe. This is achieved using a scalable technology platform, AI-enabled probabilistic modelling as well as a rich and extensive dataset. The powerful data-driven insights help the insurance industry to tackle challenges associated with selling cyber insurance. It also speeds up and improves insurance processes across underwriting, broking, risk transfer, reporting, and aggregation management.

Coverfy: The Barcelona-based insurtech startup is on a mission to make insurance fair and easy for everyone. Using its app, policyholders can manage their insurance and personal needs, automatically optimize their coverages and prices as well as obtain free, professional advice on-demand. Still, the app uses semi-automatic algorithms and digital technology to optimize users’ insurance policies.

Coya: The firm leverage digital insurance and put clients at the centre by offering transparent and affordable insurance. This provides functionality and maximum comfort in each step of the customer journey. The company is redesigning the insurance value chain and offering scalable protection using AI risk guardian and personalized insurance cover.

CyberDirekt: Advanced digitization has contributed to the increase of cyber-attacks in recent years. Actually, cyber incidents are the second largest risk affecting German business.  Through extensive market research, CyberDirekt has discovered that German brokers and insurance companies are not selling cyber insurance contracts because of their complexity.  As a result, the company is offering digital sale solutions to help brokers support cyber insurance sales. These include lead generation, advisory, risk assessment, pricing, the application process, and immediate underwriting. Also, the company offers insurance companies free security awareness training.

Dacadoo: The global technology company is based in Zurich and drives the digital transformation in a crucial field such as healthcare. It employs AI and active engagement to strengthen health and wellbeing. Through its mobile-first digital health engagement platform, dacadoo, helps people to live healthier, active lives. This is achieved using motivational techniques such as online gaming, behavioral science, social networks, automated coaching and AI.

DeadHappy: The insurtech company offers digital pay-as-you-go life insurance services. Its life insurance policies are flexible, cheaper, easier and better. Customers can purchase insurance policies based on their current circumstances and they can add additional coverage on a rolling basis.

Descartes Underwriting: The firm is founded on the principle that climate change requires a revolutionary approach in the insurance industry in order to be able to protect corporate clients and governments. Using a unique data-driven approach Descartes better protect clients against emerging risks, weather, and natural catastrophes. It helps them become more resilient because it’s better than mere protection.

Dinghy: This is a UK-based insurtech startup that targets the freelance sector. There is increased growth in this sector of the economy and so the need for protection. Dinghy offers services to freelance businesses which are not prohibitively expensive. Freelancers should access insurance services without paying ridiculous fees and commissions. For instance, Dinghy bills by the second in order to allow users to only pay for what they use each month. It also offers professional indemnity claims without excess and all equipment claims are resolved within 24 hours.

DFP: Digital Fineprint (DFP) operates in the SME space. The company has created AI-based solutions that are easy-to-implement to create transparency on every exposure in order to help reduce loss ratios, aid underwriter efficiency and ensure pricing accuracy.

Drivit: Users can automatically analyze their driving patterns and behaviors as a result of this driving analytics solution. Drivit’s objective is to foster safe and sustainable mobility. Thus the company can track user trips with great precision but with lower battery consumption than traditional solutions. Drivit uses lower-power sensors like accelerometers and proprietary AI programs.

EHAB: The platform offers weather and climate risk management tool that automate contracts and cap risk. This enables construction companies to evaluate, manage and mitigate these risks. Statistical modelling is used to measure, manage and mitigate weather and climate risks.

Elma: The Barcelona-based platform uses technology to make healthcare a totally personal experience and a patient-centric insurance business. This makes healthcare in Spain presential, affordable, enhanced, on-demand and remote.

Etherisc: The Munich-based insurtech is developing decentralized insurance protocol using blockchain technology. The technology makes both the purchase and sale of insurance products more efficient, provide greater transparency and lowers operational costs.

Feather: The Berlin-based insurance company helps people to know their options and purchase the best possible coverage. Bureaucracy in the German insurance market is unending and customers don’t easily access information. Feather was founded to eliminate the challenge of researching, evaluating and purchasing insurance policies. The firm gives policyholders honest, simple insurance because that is what they need.

Finanzchef24: This is a Munich-based online broker and a comparison platform offering business insurance. Since businesses are different they all require individual risk analysis because this helps them to cover all of their potential company risks. The company combines the traditional advice and the benefits of Robo-advice to offer innovative digital services to SMEs. Customers, on the other hand, can use the online self-service to evaluate individual insurance needs or contact an in-house insurance expert for personal phone-based consultation.

Fixico: Amsterdam-based digital car repair management platform is working towards transforming the industry’s ecosystem by connecting businesses, drivers and body repair shops in an innovative way. The company is trusted by various insurance companies, lease-rental businesses and fleet companies.

Flock Ltd: The England-based firm bridges the gap between the emerging technology and insurance industry. In the commercial drone industry, Flock uses real-time data to mitigate, quantify and insure drone flight risks. This makes the world a safer, smarter place.

FloodFlash: The rapid-payout flood insurance company alters the way commercial property owners handles their flood risk. For instance, policyholders are given a pre-agreed settlement whenever the FloodFlash sensor detects exceedingly high water levels.

FRISS: The Utrecht-based firm provides AI-powered fraud detection solutions for claims, and underwriting thus helping insurance providers to grow their business. The platform detects fraud, supports digital transformation and mitigates risks. These solutions enable profitable portfolio growth, lower loss ratios and improve the customer experience.

Getsafe: The digital insurance company is using its strong technological backbone to offer a better insurance experience for its customers. It provides contents, liability and auto insurance in Germany but customers in the UK can only access contents insurance. Further, the company uses automation and smart bots to replace manual paperwork and complexity in filing claims or changing their coverage.

Getsurance: The Berlin-based company offers digital life insurance. The platform has a team of innovators who are working towards reshaping the insurance industry. They use cutting edge technology to develop their products from the scratch as well as create a user-centric experience. Getsurance has partnered with Reinsurance Group of Africa, a risk carrier that has been helping it to move faster than ever.

GOmontir: The user-friendly application offers any assistance linked to vehicles. That means it connects the vehicle owners with the required service including insurance, and workshops.

HealthyHealth: The company changed its name to Qumata and is setting new standards for life and health insurance writing. With the help of digital data, the company is able to calculate risks associated with the diagnosis of more than 800 conditions thus saving new clients time they would have spent visiting doctors or filling out long questionnaires.

Hellas Direct: The digital-first company uses advanced analytics and cutting-edge technology to create its products. It’s also backed by a couple of leading investors and they aim to transform the insurance value chain by focusing on operational excellence.

Heymondo: This is a Barcelona-based startup that makes travel insurance easy.

Hometree: The insurance company is transforming how homeowners enjoy their homes by offering smart home services. Traditional home cover companies have confusing products, poor services, complicated pricing and hike their prices now and then. Hometree offers home covers that covers are simple and transparent.

HUB612: This is a French VC accelerator that offers remote support to insurtech, fintech and B2B services startups. The company believes that each startup has different needs and so it tries to adopt to them. The company processes driving data in real-time and fuse it with its risk model to predict the unpredictable. That means the company provides data powdered insurance products thus safer roads and smarter premiums.

Imburse: The Payments-as-a-Service enterprise platform understands that both technologies and consumers payment preferences are always evolving and so it offers integration-free access worldwide payment ecosystem.

Insoore: The platform supports fleet management and insurance companies to optimize the claim management process using photographic and video inspections. Also, damage estimations are done by multiple experts in real-time.

Instanda: This is leading-edge software that operates exclusively via Software-as-a-Service (SaaS). This is a no-code product design tool with specific workflow capabilities and processes.

Insurami: This is a market standard cash deposit alternative in commercial real estate leases. Tenants pay a certain monthly fee as opposed to an upfront deposit. This is what this guarantor pays to the landlord when the tenant default.

Insurtech Gateway: Joining the insurance industry is not easy because of its several barriers to entry. As a result of this, Insurtech Gateway offers a one-stop shop for any founder intending to jump into the protection sector. They help founders to design and grow their startup, raise capital and get underwriting paper.

Insurwave: The software platform links insurers, brokers, re-insurers and buyers. It also supports placement, servicing and administration of specialty insurance contracts.

INZMO: The Berlin-based startup simplifies the insurance process by putting all steps that involve purchasing a policy, and filling a claim in one platform. The insurtech focuses on B2B2C solutions.

Konsileo: This is a commercial insurance broker that put people and customers first using tech and data. The platform works in a virtualized environment and puts technology into use to empower individuals and eliminate hierarchical management.

Kudo Insurance: The app monitors users’ driving habits and generates an individual score using mobile phone telematics. Drivers get a discount when purchasing or renewing their auto insurance if they have a good score. Still, this driving information can be used as evidence if there is a motor accident.

Laka: The London-based firm offers collective cover. It’s rewriting the insurance rules and so it’s a concept that people should stand with and not against it.

Lokky: The new technology platform targets small entrepreneurs with tailored products. Industry professionals have designed and built this company using new technologies which helps it to analyze customer requirements, understand their needs and manage business risks.

Luko: The Paris-based insurtech is using technology and social responsibility to reinvent home insurance. The firm is the number one neo-insurance firm in France and the fastest growing technology company in Europe. With its proprietary technology, Luko aims to move insurance to a prevention model as opposed to a reactive claims-based model.

Keyhole: The deposit alternative helps renters move into their dream house without paying a large upfront deposit. The company makes the renting experience simple for tenants, landlords, property managers, and more. Eliminating the move-in cost in the booming rental market helps tenants to access better housing than they would if they were to pay the traditional deposit.

Marshmallow: The insurtech develops products that make it easier for people to access insurance. The company’s goal is to reduce the distress caused by personal disasters and accidents by providing fairer covers. Its products and services are accessible across different sectors.

Meteo Protect: The Paris-based firm offers parametric solutions. Its team is exclusively dedicated and experienced in managing weather-related risks financially and creation of parametric solutions. Meteo Protect puts together its specific technical expertise and insurer know-how when building performant solutions for its clients and business partners. Some of these are reinsurance and first-tier insurance companies.

MioAssicuratore: Customers in the harmful insurance world can feel at home here because they receive assistance and guidance in an increasingly intuitive way. The platform offers a complete user panel for managing all required, active and expired quotes. Users can also share their experiences by writing a company and products review.

Moonshot Insurance: The Paris-based insurtech offers Insurance-as-a-Service solutions to mobility providers, the eCommerce industry, financial services, etc. Its value proposition brings together innovative insurance coverage and a fully digital experience in order to enhance customer experience.

Nimbla: This digital insurance platform targets SMEs with its services. It protects such businesses against late paying or insolvent customers. Nimbla deploys a unique technology that helps companies check buyers’ ability to honor their obligation and insure individual invoices against default or non-payment in an affordable way.

Omni:us: The Berlin-based provider offers intelligent insurance claim automation. Omni:us enables insurers to develop their own modules and quickly deploy AI in their processes with the help of the Cognitive Claims Kit (CCK). Further, cutting edge computer vision and natural language processing techniques enhances and accelerate digital claims, document intake and coverage check.

Omocom: The Stockholm-based company offers digital insurance and much more. It develops data-driven products which increase sales, reduce risks and offers a world-class customer experience. Omocom partners with platforms that are geared towards increasing the use of available resources in order to create a more sustainable future.

Photocert: The firm delivers technology that ensures photos and videos credibility, and performs valuable image analysis. It also provides a complete onboarding/white label claim platform and camera API components for image certification.

OroraTech: The firm delivers global real-time information services to help in early fire detection and monitoring. The aim is to provide fire alerts and current fire perimeters for users such as insurance companies, large corporate customers and the government.

Qover: The tech pioneer offers insurance solutions geared towards the digital revolution. The aim is to change the status quo in the insurance industry. The company builds its own innovative digital insurance products and avail them in real-time using open APIs or white labelling which is integratable into partners’ digital platforms.

Quantemplate: The AI-enabled SaaS data integration. The automation and analytics platform targets insurance professionals. The platform automates data jobs such as MGA reporting, fleet automation, exposure management, clash and aggregation with integrated data quality assurance.

QantEv: The smart claims platform works with health insurers to limit claims leakage especially to unprecedented levels. The company leverages health claims data to provide high impact insights thus helping to establish high-performance healthcare networks and streamline pre-authorization processes.

Reposit: The firm provides solutions to increase the tenancy cover for landlords, and offers deposit protection for 8 weeks thus helping tenants to save a few hundred on upfront moving costs. In other words, Reposit is a tenancy deposit alternative. It’s a new method of renting without the struggle of paying a deposit.

Rnwl: The over-the-top insurance platform is making insurance simple for its customers by building an insurance app of the future. This helps policyholders to track all their insurers and complete their renewals on a single platform.

Setoo: The London-based company has transformed complex and time-consuming insurance processes and operations into a protection product that meets specific consumers’ concerns. Policyholders are looking for delightful customer experiences and this can only be delivered through personalized protection. On the other hand, e-businesses can build precise and customized protection products using its fully automated SaaS platform. This helps such businesses to generate new revenue streams and deliver exceptional customer experience.

Shayp: This is a non-invasive water monitoring technology and a perfect fit for various types of buildings due to its unparalleled leak detection accuracy. The company is a fully IoT-powered service that helps homeowners, building managers and insurers eliminate leaks and other related damages.

Sherpa: The disruptive insurtech startup is transforming the insurance industry in order to improve its relationship with its customers. By shaking up the traditional insurance model, Sherpa helps to bridge the advice gap in insurance. Customers can use the platform to boost their coverage needs as well as their financial wellbeing.

Simplesurance: The unique platform offers efficient and transparent insurance services to people and businesses. This is achieved through the continuous development and optimization of this platform. As a result of its innovative cross-selling solutions targeting the eCommerce brands, online shops can integrate it into their checkout process to enable customers to purchase insurance at the point of sale. This enables electronic manufacturers and online retailers across 30 countries to increase their own margins and extend their service level.

SingularCover: This is an SME insurtech that specializes in developing, and providing insurance products for self-employed and small businesses. A team of international seasoned professionals founded SingularCover. Small businesses have higher risks and face big difficulties when starting out. It’s at this time that they deserve better protection in order to allow their founders to focus on growing them. Therefore SingularCover insures personal trainers, hairdressers, bars, plumbers, builders, bakers, food, or clothing stores. The goal is to provide customized products according to the industry and specific business needs.

SO-SURE: The UK-based company offers a win-win insurance model because it believes that consumers deserve fairer and more rewarding insurance. So it has made it easy to make a claim when necessary and reward its customers even when they don’t deserve it. So a group of friends and their families can connect their policies in its app and someone can make a claim whenever there is a need but if no one makes a claim then they will be rewarded up to 80% of their premium at the end of year.

Spixii: The Conversational Process Automation (CPA) platform offers high-value conversations with policyholders, prospects and third parties. It also creates tailor-made quotes and claims as well as self-service for policy changes because the platform is integrated with the insurance systems. Further, it has real-time conversation analytics to provide continuous improvement on operational performance and customer experience. The London–based company targets the insurance providers with its AI-enabled end to end claims automation and fraud filtering. Automating claims and payment decisions helps to both reduce operational costs and improve customer experience. So its state-of-the-art tool delivers a non-intrusive solution that offers actionable insights about fraud suspicions, enhances data and automates claim processes.

Squirro: The firm brings human intelligence and powerful AI into one space thus producing vertical-specific augmented intelligence solutions that businesses to improve client relations, capitalize on new opportunities and optimize decision-making capabilities.

Superscript: The Digital Risks was established in 2015 but changed its name to Superscript in 2020 and its objective is to elevate its customers by offering them better cover through a seamless experience.

Tapoly on-demand insurance: The digital provider offers insurance technology solutions and on-demand insurance products. This is important to the sharing or gig economy which is made up of freelancers contractors, sole traders, equipment lenders and more.

Thinksurance: This is an intelligent insurance consultation platform for German-based business insurance. The platform brings together insurers, business customers and distributors from various sales channels such as brokers, agencies, banks and more. The company leverages proprietary technology such as insurer systems and different APIs to distributors CRMs and to create these processes.

Unkle: The fintech headquartered in Paris, France uses technology to facilitate access to housing. Renters are offered as the insurtech startup guarantor for a fee.

Urban Jungle Insurance: The insurer is founded on fairness and all its products are designed with its customers in mind. As a result, customers get cover designed for their lifestyle and at a great price.  SO Urban Jungle insurance uses technology to provide cheaper, better home insurance.

Valoo: This is a digital management platform to help customers automatically inventorize what they own including warranty, receipts and more. It also helps them obtain the market value of their belongings in real-time. Further, Valoo helps users to insure, manage and file a claim anything in their inventory or the whole of it is lost.

Virtuoso: The innovative platform supports corporates which in turn helps them to improve employees’ productivity and healthiness by creating a strong union between big data, gamification and behavioral psychology. Its corporate health challenge program is geared towards incentivizing and motivating people to live a healthier lifestyle.

ViteSicure: This is the first Italian insurtech broker to sell life insurance policies and to transform the entire experience in the process of purchasing a policy. Its products guarantee safe lives by identifying trigger points in its target market and proposing specific solutions. Further, it bridges the gap between the insurer and the customer by digital customer techniques, digitization of the marketing funnel and online download of the policy.

WeGroup: The insurtech startup is committed to helping insurance providers increase efficiency and grow their business even as they connect with their digital customers. WeGroup uses cutting-edge technology to analyze customers’ needs and predict their risk exposure thus helping insurers increase the quality of their portfolio, reduce overhead costs, more production, optimal communication and higher efficiency.

Wefox: The Berlin digital insurer puts experienced experts and innovative rates in one space thus making the insurance industry ten times better. The collective team of experts includes programmers, consultants, tech companies, insurers and more. Their goal is to make the world much better by changing the insurance industry.

Wrisk: The London-based company has created a customizable platform whose goal is to empower telecommunication, retail, automotive, as well as other brands to build mobile-first and frictionless insurance experiences that their customers want and love. Building insurance around customers’ needs is important because it’s the great experiences that build customer loyalty.

XbAV AG: The German market leader has digitalized corporate pension and life insurance. Actually, corporates, insurance agents, life insurers, and consumers can use its software-as-a-service (SaaS) solutions to buy and manage their pension and life insurance on the internet. Customers benefit from its user-friendly information, transparent and efficient processes. Further, all stakeholders are connected using a single platform.

YAS.Life: The Berlin-based startup wants to lead by offering digital service for life and health insurance. Its plans reward policyholders with a healthy lifestyle because they motivate them to stick to healthy habits. YAS.Life presents its app to different B2B partners in conjunction with its lead investor such as Deutsche Ruckversicherung AG and develops them an application that is suitable for their needs.

Zego: The commercial motor insurance provider combines sophisticated data sources with best-in-class technology to create and deliver insurance products saves businesses both time and money. Some of the clients include self-employed drivers, riders and entire fleets of vehicles. The goal of this company is to eliminate time-consuming and expensive processes in traditional insurance which holds businesses back.

Zelros: The end-to-end AI business platform uses AI and MA to support insurers better serve their clients. The B2B independent software provider helps insurance companies cross-sell and up-sell their personal insurance products. It also integrates standard scenarios for claims and sales by leveraging the technology.

What about online student housing insurance?

Since online insurance is a growing business, you should know that there are plans for students. Among the offers available, ADH offers insurance for student housing tailored to each need. But before signing up for one, here are the essentials to know about this type of coverage.

Why do I need home insurance for students?

In order to pursue his or her university studies, a student will usually have to rent an apartment near his or her university. In this case, the student will sign a rental agreement with a landlord. However, the landlord will require a housing insurance certificate in order to finalize the rental. Thus, it is mandatory to have a certificate of insurance in your possession.

The packages covered by the warranty depend on each subscriber. It can be a basic offer, a civil liability offer, or a more complete guarantee. The first offer includes compensation in case of fire, water damage, explosion, theft or vandalism. The second offer covers all damages that can be caused to another person. The last offer is adjustable according to the needs of the insured. The student can indeed request additional protection for computer equipment and jewelry. It is also possible to benefit from legal assistance services in case of litigation.

What are the advantages of applying online?

Although the formalities with a physical or virtual insurance are similar, those of online companies are more flexible. If you would like to save time and apply for insurance as soon as possible, choose the online mutual insurance company. Once you have checked your documents and signed your quote, you will immediately receive your insurance certificate. You can attach it to your supporting documents to sign your rental contract.

Nevertheless, don’t forget to ask about the terms of your offer before signing. Also, to explain the vague terms of your commitment, don’t hesitate to ask an assistant for advice.


Kossi Adzo is the editor and author of He is software engineer. Innovation, Businesses and companies are his passion. He filled several patents in IT & Communication technologies. He manages the technical operations at

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