InsurTech startup ecosystem
European insurtech startups are modernising underwriting, claims processing, and distribution. The UK and Germany lead, leveraging open insurance frameworks and increasing willingness of incumbents to partner with startups. We track 34 organisations in this sector across 6+ countries.
Showing 1–20 of 34 InsurTech
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Alan
Alan is a Paris-based health insurance and digital health platform founded in 2016 by Jean-Charles Samuelian-Werve (CEO) and Charles Gorintin (CTO) — the only new independent health insurer licensed in France since 1986. It combines group and individual health insurance with a mobile super-app offering reimbursements, telemedicine, mental-health support (Alan Clinic) and Mo, an AI health assistant delivering doctor-reviewed answers. By early 2026 Alan served over one million members across France, Belgium, Spain and Canada, with €785M ARR in 2025 (up 53%) and operational profitability in France. Alan has raised roughly €754M across eight rounds. It reached unicorn status in 2021 with a €185M Series D led by Coatue, and in March 2026 a €100M Series G led by Index Ventures — a backer since its Series A — valued the company at €5bn. Other investors include Temasek, Teachers' Venture Growth, Coatue, Lakestar, Partech, Belfius and DST Global.
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Artificial
Artificial, operating as Artificial Labs, provides digital broking and underwriting technology for the specialty and commercial insurance markets, with a focus on the Lloyd's of London and global wholesale London market. Its two primary products are Smart Underwriting, a digital underwriting platform helping carriers deploy capital on lead and follow risks, and Smart Placement, placement-strategy tooling for brokers. Reported partners include Apollo, PPL, Lockton, Convex, Chaucer, and BMS Group. Headquartered in London, the company raised a $45M Series B in February 2026 to fund global expansion.
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Barkibu
Barkibu is a pet health insurance company offering insurance-backed veterinary cost coverage for dogs and cats, allowing pet owners to visit any vet clinic and get reimbursed for illness and accident treatment. Its terms of use identify Barkibu Germany GmbH, registered at Rosenthaler Strasse 72A, 10119 Berlin, as the licensed European insurance intermediary operating the service, registered with ORIAS and supervised by France's Autorite de Controle Prudentiel et de Resolution for its French market activities.
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Boleron
Digital insurance broker offering a marketplace to compare and buy auto, travel, health, life and property policies fully online, plus services like e-vignettes; licensed by the Bulgarian Financial Supervision Commission.
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bsurance
bsurance is a Vienna-based insurtech founded in 2018, one of the first movers in embedded and connected insurance in Europe. Its no-code insurance platform helps insurers, MGAs, banks, and brands launch and manage digital and embedded insurance products quickly, positioning itself as the speed layer between legacy insurance cores and new market opportunities. The company says it is built on the experience of more than 30 cooperations across 10+ countries, and it is led by co-founders Emmanuel Cheret (CEO), Raffaela Gruen (COO and CPO), and Pedro Antunes (CTO).
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Charles Gorintin
Co-founder and CTO of Alan and a prominent French tech operator who previously worked on data and ML at Facebook, Instagram and Twitter. He also co-founded the AI startup Mistral AI as an early backer-operator.
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Coverflex
Coverflex is a Portuguese startup that builds a compensation management platform bringing together every part of employee compensation beyond salary, including flexible benefits, insurance, meal allowance and exclusive discounts in a single product. Employees manage their benefits, meal allowance, insurance and discounts through the Coverflex app and card, and can direct part of their balance toward savings products. Founded in 2019, it operates across European markets including Portugal, Italy and Spain. In February 2023 it raised a €15 million Series A round to support its European expansion.
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Finch Capital
Finch Capital is an Amsterdam-based venture capital firm founded in 2013, specialising in early-stage investments in European fintech, insurtech, and financial infrastructure. The firm manages approximately $400 million across three funds, with its third European fund targeting €150 million. Finch has invested in 51 companies across the UK, Netherlands, and wider Europe, focusing on seed and Series A rounds in companies applying technology to financial services including payments, lending, insurance, and wealth management. Notable portfolio companies include BUX (European retail investing), with the firm also backing Grab in Asia, and exits including 12 acquisitions from its portfolio.
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Garantme
Garantme is a Paris-based insurtech, active since 2017, that acts as a rental guarantor for tenants without a traditional guarantor and provides unpaid-rent guarantee insurance (Garantie Loyer Impaye) for landlords. Its Console Garantme platform lets real estate agencies manage tenant files, insurance products, and claims in one place. The company reports certifying more than 100,000 tenants, partnering with 4,000 real estate agencies across 150 French cities, and is a licensed insurance broker registered with ORIAS and a member of the FNAIM lab.
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Hellas Direct
Hellas Direct is a Greek digital, full-stack insurance company offering car, motorbike and home insurance, along with related mobility services. Founded in 2011 by former consultants and bankers Alexis Pantazis and Emilios Markou, it uses a technology-driven model to provide fast online quotes and 24/7 claims handling. The company operates across Greece, Cyprus and Romania. In February 2024 it raised a €30 million Series B round led by ETF Partners to support climate-focused insurance products and further European expansion.
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Homeppl
Homeppl is a London-based customer risk platform that helps real estate and lending businesses reveal fraud, verify income and affordability, and qualify applicants using open banking data, document analysis, and a fraud database. Its products include Fraud Finder for document fraud detection and financial qualification tools used by clients such as Knight Frank, Quintain Living, and Portman Asset Finance to cut fraud losses and speed up approvals. Homeppl operates as a trading name of Thirdfort Limited, a UK company registered in London.
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Hometree
Hometree is a London-based home cover and energy services provider offering boiler and home emergency cover, plumbing and drains cover, appliance cover, and landlord plans across mainland England, Scotland and Wales, alongside renewable energy installations including heat pumps and solar panels. The company promises no unfair price hikes at renewal and offers 24/7 claims support with a UK-based call centre. It operates as a trading name of Hometree Services Limited and Hometree Marketplace Limited, both regulated by the UK Financial Conduct Authority.
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Insurance Innovation 2026
One-day insurtech and digital finance conference in Paris focused on insurance transformation, cybersecurity, and AI-driven underwriting. Brings together insurance executives, brokers, and technology providers. Valuable for insurtech startups building claims automation, risk analytics, and digital distribution platforms for the French insurance market.
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Insurtech Insights Europe 2026
Largest European insurtech conference with carrier decision makers and startup kiosks. Price: about GBP 1500-2500. Great for claims automation and risk analytics startups.
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Insurtech Insights Europe 2027
Insurtech Insights Europe returns 3-4 March 2027 to the InterContinental London – The O2, billed as Europe's largest insurtech conference. The 2026 edition gathered more than 6,000 executives, entrepreneurs and investors from around the world. The 2027 agenda is now open for speaker submissions.
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INZMO
INZMO is a digital insurance company, legally INZMO Europe GmbH and headquartered in Berlin, offering easy-to-buy policies for mobile phones, laptops and tablets, bicycles, e-scooters, and rental deposit warranties, starting from a few euros per month. The company has been operating since 2017 and reports having served more than 150,000 customers, with a fully digital, fast claims process backed by 24/7 support. INZMO is led by managing director Meeri Savolainen.
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Jean-Charles Samuelian-Werve
Co-founder and CEO of Alan, the French digital health insurer he started in 2016 to rebuild health cover around a simple app and preventive care. Under him Alan became one of France's most valuable fintechs, backed by Index, Coatue and Temasek.
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Julian Teicke
Julian Teicke is Co-founder & CEO of the insurtech platform Wefox. A founder in the German startup ecosystem, Julian leads the insurtech platform Wefox.
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Kota
Kota is a Dublin-based platform building API-driven infrastructure for employee benefits and insurance. It enables companies to offer and manage health insurance, life insurance and pension benefits, syncing with existing HR tools such as Personio, HiBob, BambooHR and Workday. Regulated by the Central Bank of Ireland, Kota partners with providers including Irish Life, Allianz Partners and Smart Pension. Founded in 2022 by Luke Mackey, Patrick O'Boyle and Deepak Baliga, the company raised a $14.5 million Series A in May 2025 led by Eurazeo, bringing total funding to nearly $23 million.
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Lassie
Lassie is a digital pet-insurance company that combines coverage with preventive-care engagement. The app uses education modules and behavior incentives to reward owners for proactive pet health practices, linking prevention to premium outcomes.
