Axieme

Digital insurance platform enabling carriers, MGAs, and distributors to digitize operations through P2P insurance and white-label B2B infrastructure.

Insurtech Infrastructure Established Acquired

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Overview

Axieme is a digital insurance infrastructure provider for carriers, MGAs, bancassurance providers, and distributors operating in the Italian market. Founded in 2016 in Cagliari, Italy, the company began as Italy's first peer-to-peer (P2P) insurance platform and expanded into a full-stack B2B digital insurance infrastructure provider. In September 2023, Vitanuova -- an Italian insurance broker network with approximately 750 consultants and 45,000 end customers -- completed a 100% acquisition of Axieme to accelerate its digital transformation strategy.

The platform combines a P2P insurance product for end customers with a white-label B2B suite deployable by insurance carriers and distributors. Core capabilities include online eCommerce flows, quoter widgets, CRM tools, chatbot automation, digital signature, multi-channel communication (chat, WhatsApp, Facebook Messenger, video, SMS), and an open insurance API layer. The platform is built on REST-based APIs aligned with Open Insurance standards, enabling integrations with major Italian insurance carriers including Groupama, Reale Assicurazioni, AXA's Quixa brand, Europ Assistance, and Wakam.

Prior to the Vitanuova acquisition, Axieme raised approximately USD 1.24M across Italian government grants, equity crowdfunding on the 200crowd platform, and a seed/angel round backed by Digital Magics, CDP Venture Capital (National Innovation Fund), and Banco BPM. The company holds certification as an Innovative SME (PMI Innovativa Certificata) from the Italian Ministry of Economic Development.

Products & Services

P2P Insurance Platform (Giveback Model)

A peer-to-peer insurance product that groups policyholders into circles based on similar risk profiles. At year-end, unused premiums from the shared pool are redistributed to circle members with few or no claims. Available for auto, home, and liability insurance lines.

Key Features

Risk-based circle groupings matching policyholders with similar profiles
Year-end giveback of unused premiums to low-claim members
Available across auto, home, and liability insurance products
Algorithmic reward for good behavior -- fewer claims in a circle equals higher giveback

Target Users: Individual policyholders in the Italian market

White-Label Digital Insurance Infrastructure (B2B Platform)

A plug-and-play digital insurance platform deployable in white-label for carriers, MGAs, bancassurance providers, large retailers, and distributors. Enables insurance companies to digitize front-end customer journeys and back-end operations without building infrastructure from scratch.

Key Features

Online eCommerce flows for insurance product purchasing
Instant quote generation widgets and embedded quoters
CRM systems for insurance distributor management
Chatbot automation for customer interaction and lead qualification
Digital signature for electronic policy contract signing
Multi-channel communication: chat, WhatsApp, Facebook Messenger, video calls, SMS, and email
Customer rating and feedback tools
Analytics dashboard for business intelligence

Target Users: Insurance carriers, MGAs, bancassurance providers, large retailers, insurance distributors

Open Insurance API Layer

REST-based API architecture supporting Open Insurance standards. Enables integration connectivity between carriers, brokers, and distribution partners across the Italian insurance market.

Key Features

Open Insurance standards-compliant architecture
Integrations with major Italian insurance carriers
Partner ecosystem connectivity for carriers, brokers, and distributors

Target Users: Insurance carriers, digital distributors, technology integrators

At a Glance

Founded: 2016
Headquarters: Cagliari, Italy
Employees: 11-50
Funding: Acquired

Category & Focus

Category: Insurtech Infrastructure
Subcategories: P2P Insurance Platform Digital Distribution White-Label Insurance Technology Open Insurance API
Insurance Verticals: P&C Personal P&C Commercial Specialty/E&S
Target Customers: Carriers, Brokers, MGAs/MGUs, Agents/Agencies