Overview
aestimo is a claims technology platform for P&C carriers that provides browser-based, AI-driven damage assessment and digital claims processing. The Munich-based company offers a SaaS solution enabling insurers and appraisers to conduct remote damage capture via video call -- without requiring policyholders to install any app -- while applying real-time AI analysis to quantify losses and flag fraud.
The platform covers the full digital claims workflow from initial damage capture through automated assessment and core system integration. aestimo capture handles real-time photo, video, and audio collection directly in a browser, while aestimo ai layers claims automation, risk assessment, and customer service capabilities into existing insurance infrastructure. The company operates on a serverless SaaS architecture hosted on AWS in the German cloud region, and holds ISO 27001 certification.
Founded in 2023, aestimo has attracted named European property and casualty insurers including Ostangler Versicherungen, Merkur Versicherung, Die Bayerische, and CROSIG. The company reports that large insurer clients have achieved more than six times their previous appraisal throughput using the platform.
Products & Services
aestimo capture
A browser-based damage capture solution allowing insurers and appraisers to invite policyholders to a video call for remote assessment. No app installation is required on the policyholder side.
Key Features
- One-touch in-browser photo and video recording
- Real-time AI damage quantification in EUR at point of capture
- Automated fraud detection with documented justification
- Location determination and multilingual audio analysis
- Covers property, motor vehicle, household contents, liability, technical, and transport lines
- ISO 27001 certified; DORA compliance in progress
- API connectivity to core insurance systems
Target Users: Insurance carriers, appraisers
aestimo ai
An AI layer designed to integrate into an insurer's existing technology stack, enabling automation across claims, risk assessment, and customer service workflows.
Key Features
- Claims management automation with dark processing workflows
- Risk assessment and underwriting support
- Real-time customer service automation handling hundreds of parallel requests
- Specific modules: damage analysis, recourse processing, building valuation
- Designed for integration with both legacy and modern core systems
Target Users: Insurance carriers
aestimo CCP
A third product listed in the company navigation, described as a platform-level component likely providing claims control or workflow orchestration functionality. Detailed public information is limited.
Target Users: Insurance carriers
At a Glance
- Founded
- 2023
- Headquarters
- Munich, Germany
- Employees
- 11-50
- Funding
- Bootstrapped
Category & Focus
- Category
- Claims Technology
- Subcategories
- Claims automation FNOL digital damage assessment fraud detection
- Insurance Verticals
- P&C Personal P&C Commercial
- Target Customers
- Carriers
Customers
- Ostangler Versicherungen
- Merkur Versicherung
- Die Bayerische
- CROSIG
- Top Service
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Last updated: 2026-06-25