Embedded insurance is a tech-powered insurance solution that enables any business to incorporate insurance as an add-on or native component of its value proposition.

Using embedded insurance can help companies add value to their offering and drive business growth through user acquisition, retention, upselling & loyalty. On a larger scale, embedding insurance when and where customers need it helps make insurance simpler and more accessible, creating a global safety net of protection.

Embedded insurance orchestration is a modular framework that enables any business to execute the insurance experiences they need – no matter their operating market, industry or country.

Because it's tech-driven, companies can customise their insurance setup by choosing the elements of the value chain they need, from tech to operations to insurance services.

A modular orchestration platform means businesses can pick and choose the elements they need for their ideal setup. In embedded insurance for example, you might already have a balance sheet solution with your current risk carrier and a TPA handling claims. In this case you might only need a tech layer to digitalise the customer experience.

On the other hand, if you’re starting from scratch, you could opt for a more complete setup including user acquisition funnels, claims handling, performance dashboards, and more.

Learn more about Qover’s modular orchestration platform.

Qover’s tech-driven platform includes a set of insurance APIs that can be easily integrated into your app or website. Because we can fully configure the product and country setup on our end, this can cut time-to-market from months to a matter of weeks. Each project is assigned a squad of experts in product, design and platform that can help you with the implementation process.

Qover works with a variety of insurance products, ranging from purchase protection and event cancellation to travel coverage and motor insurance. Some of these products are automatically embedded in our partners’ offering – such as purchase protection included in a payment card – while others can be purchased by end users – such as motor insurance when buying a new car.

Qover’s platform is product-agnostic, meaning that we can accommodate any insurance product our partners have or co-create specific coverage according to their needs.

Yes, you can use your own insurer. We’re impartial when it comes to insurers, which means we can easily work with your current risk carrier.

If you don’t have a risk carrier or you’d like to switch providers or work with a different provider in a different country, we can source the best offer from our trusted network. We currently work with 12+ insurers, but we can work with any major insurance company.

No, Qover is not an insurance broker. Qover is a Belgian-regulated untied insurance agent; in other words, an insurance intermediary that carries out insurance distribution activities, in the name of and on behalf of, one or more insurance companies (aka insurers/risk carriers).

Unlike an insurance broker – who is independent when representing their clients (the prospective policyholders) in the search for suitable insurance products – we perform our insurance distribution activities by virtue of one or more contracts with risk carriers. 

Learn more about our legal status.

Yes, Qover can insource claims and customer service, essentially acting as a claims TPA. In fact, our multilingual customer care and claims teams have a 90% customer satisfaction score, 4+ stars on Trustpilot and 4.3 stars on Google Reviews.

Qover is pronounced like ‘cover’. We know the Q can be confusing, but it’s not qoover (kwoover) or quover (kwover) or q-over (kyu-over). Just ‘cover’ – as in, I would like to cover my purchase with Qover.

We even made this little video to help.

If you’re a customer or employee who needs help with your insurance policy, filing a claim or purchasing new cover, please see our individual support page.

Qover is licensed to operate in 32 countries across Europe: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom.

We are fully authorised to operate in the UK with a licence from the Financial Conduct Authority (FCA).

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