Business
Individual
Automotive & mobility

Omnichannel insurance across borders.

OEMs can enable growth and innovation across borders, while fleet platforms can manage distribution with digital, pan-European motor insurance.

Mobility retailers can also create a new revenue stream by offering cover for personal light electric vehicles such as scooters and hoverboards.
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Data & analytics
Real-time dashboard
Insurance anywhere
32
+
countries in Europe
Risk carrier setup
Any major insurer
Modular platform
API suite
Policies
Distribution
Dashboard
Claims

We co-create insurance solutions with a variety of auto & mobility segments

Take control of your pan-European insurance programs.
OEMs
  • Level up your programs with existing insurers or captives with our modular tech.
  • Scale and harmonise your programs on a pan-European level.
  • Embed insurance in your app or website with API-based flows and white-label solutions to increase penetration rate.
  • Boost customer loyalty and after-sales revenue.
Fleets
  • Automate insurance processes by integrating our API.
  • Use our white-label platform for fleet policy management.
  • Cross-sell insurance products digitally.
Leasing & financing
  • Seamless integration in your financing tool with API-based user flows and white-label solutions.
  • Position yourself as a one-stop-shop mobility player and enhance your customer experience.
Dealerships
  • Integrate our API to build an omnichannel experience in your dealership management systems and increase insurance penetration rate.
  • Streamline the process of distributing insurance by augmenting the digital solutions of dealership sales teams.
  • Increase customer loyalty and after-sales revenue.

Pan-European auto ecosystem

Insurance doesn’t have to be hyperlocal – in fact, it can even expand along with your business. At Qover, we provide a harmonised, pan-European proposition when it comes to motor insurance and mobility cover.

We’re licensed to operate in 32+ countries, which uniquely positions us to offer comprehensive, multi-country coverage – Motor Third Party Liability (MTPL), Motor Own Damage (MOD), personal accident, usage-based insurance and more. That way, as your business takes on new markets, we’re right there with you.

Our flexible setup options mean we act according to your needs, either as a tech layer using your current risk carrier or sourcing a competitive offer from our network of insurers and brokers.

Digital, best-in-class customer experience

Insurance doesn’t have to be painful – it can be seamless and fully digital. With a white-label flow, your customers can easily sign up for a policy with the complete look and feel of your brand, or our motor insurance can be fully embedded into your own user experience.
driver with car insurance through OEM

Quick to innovate

Insurance doesn’t have to be behind the times – it can be tech-forward and innovative. With our API-first technology, we can embed insurance into any automotive or mobility ecosystem.

That, combined with our pan-European operational capabilities, means we can innovate quickly and consistently across all markets. Think of Qover as your one-stop-shop for insurance, so you can focus on your core business.

We’re constantly working on product innovations, such as creating comprehensive mobility packages and enhancing claims management through user-generated photos. We can easily adapt our products to any market segment – so you can provide the right motor insurance for your customers.
 
Go behind the scenes of our API-powered platform

Clear, actionable insights

Insurance doesn’t have to be boring – it can be dynamic and engaging. As one of our valued partners, you’ll have access to key insights, quarterly business reviews and a performance dashboard that keeps you informed and empowers you to make data-driven decisions.

These customisable tools help fuel your business by optimising your commission volume and ensuring that you get the most out of our insurance solution.
Discover the API behind our user insights
computer screen showing insurance data
driver with car insurance through OEM

Claims TPA management

Claims is the moment of truth in insurance, and a bad experience can lead to unnecessary churn. That’s why we act as a tech provider for your claims TPA.

Think of us as a digital middle layer between the claimant and external TPA that provides straight-through-processing for claims. To ensure a top-notch experience for your customers, we handle relationship management, SLA enforcement and follow-through reporting.
Take your insurance strategy from affinity to embedded
A roadmap for OEMs, with real use cases & expert insights
Free download

Product features tailored for you

Cross-functional auto team
Our team of auto experts is available from program launch and beyond.
They can handle everything from designing landing pages to optimising user journeys to analysing program data for continuous innovation.
Any insurance product
We co-design the right insurance products along with you, so that coverage is tailor-made for your drivers and their vehicles.
We can include specific coverage for EVs or customer add-ons such as charging equipment, glass cover, tyre damage and more.
Telematics
We can use telematics data from car devices or the car itself to create UBI experiences.
This helps customers improve their driving score, benefit from lower premiums and enables automatic FNOL in case of an accident.
Flexible integration for OEMs
Choose your integration option: go full API for your user journey, white-label or mix and match.
Either way, a single API integration covers all European markets.
Easy fleet management
Use our white-label platform to manage your fleet policy or automate the process with our API.
With our fleet API, you can seamlessly add new vehicles.
Custom pricing engine for OEMs
No more generic pricing.
Through a combination of AI, machine learning and data processing, we can support you in building a customised pricing engine to keep premiums competitive.

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High-growth companies powered by Qover

“Qover’s understanding of the complex needs of a full-growth FinTech, its deep insurance and technology expertise, and its agile and collaborative approach are uniquely complementary to how we work at Revolut. Qover is one of the only players capable of providing us with a global solution”
Nikolai Storonsky
CEO & Co-founder of Revolut
Read story
“Our couriers are free to choose when, where and if they want to work. We want to ensure that each of them enjoys optimal security throughout their experience with Deliveroo. Thanks to our partnership with Qover, we offer an insurance solution that reflects the flexible business of our independent partners: innovative guarantees that meet the needs they express to us on a daily basis.”
Mathieu de Lophem
Former CEO of Deliveroo Belgium
Read story
“At Canyon, we are very much focused on our relationship with the customer, and this integration with Qover only strengthens that. The customer experience does not end with the bike being delivered to the customer's doorstep, so it’s very important to have a partner that can help us roll out an insurance product globally with one integration.”
Christian Steyer
Head of Customer Solutions at Canyon
Read story
"Qover’s understanding of the complex needs of a full-growth FinTech, its deep insurance and technology expertise, and its agile and collaborative approach are uniquely complementary to how we work at Revolut. Qover is one of the only players capable of providing us with a global solution."
Nikolay Storonsky
CEO & Co-founder of Revolut
Read story
“At Canyon, we are very much focused on our relationship with the customer, and this integration with Qover only strengthens that. The customer experience does not end with the bike being delivered to the customer's doorstep, so it’s very important to have a partner that can help us roll out an insurance product globally with one integration.”
Christian Steyer
Head of Customer Solutions at Canyon
Read story
“Our couriers are free to choose when, where and if they want to work. We want to ensure that each of them enjoys optimal security throughout their experience with Deliveroo. Thanks to our partnership with Qover, we offer an insurance solution that reflects the flexible business of our independent partners: innovative guarantees that meet the needs they express to us on a daily basis.”
Mathieu de Lophem
Former CEO of Deliveroo Belgium
Read story

Resources for you

See all resources
Blog post
Automotive & mobility

Omnichannel insurance for car manufacturers: the key to a better customer experience

Blog post
Automotive & mobility

Keeping up in the EV era: 4 key challenges and strategies for auto companies

Blog post
Automotive & mobility

How a shifting auto ecosystem is driving innovative insurance for OEMs and mobility platforms

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