Carfix

Digital motor claims management platform for insurance carriers and leasing companies

Claims Technology Startup Series A

Overview

Carfix is a claims technology SaaS platform serving insurance carriers, leasing companies, brokers, auto dealers, and repair shops in Central and Eastern Europe. The platform digitizes motor insurance claims management and vehicle administration, connecting all parties in the auto claims process through a single online ecosystem.

The platform uses AI computer vision to automate damage recognition from photos, enabling online FNOL submission and reducing claims processing time from hours or days to minutes. Core capabilities include document management for CASCO and MTPL policies, appointment scheduling with partner repair shops, risk inspection coordination, and a configurable authorization workflow. The platform is delivered as a multi-tenant SaaS solution with API integrations into carrier and partner systems.

Founded in 2019 and launched commercially in Romania in April 2021, Carfix serves approximately 150 companies as of 2025. The company expanded into the Czech Republic, Slovakia, and Hungary through a partnership with LKQ CEE, a regional auto parts distributor. Investors include Autonom (a strategic investor since 2020), InnovX BCR Accelerator, and Catalyst Romania, which led a EUR 1.25M investment in 2025 to support international expansion.

Products & Services

Motor Claim Management

Digital end-to-end platform for motor insurance claim notification, assessment, and administration. Claims are processed 100% online with real-time status tracking available to all parties.

Key Features

AI computer vision for automated vehicle damage recognition from photos
Online FNOL submission with full digital workflow
Real-time claim status tracking for carriers, brokers, and claimants

Target Users: Insurance carriers, MGAs, brokers, leasing companies

Document Management

Centralized management of insurance documents, including CASCO and MTPL policies, technical inspection certificates, and road tax records, with automated expiration notifications.

Key Features

Policy document storage and retrieval
Certificate and compliance document tracking
Automated renewal and expiration alerts

Target Users: Carriers, fleet operators, leasing companies

Repair Shop Network and Appointment Scheduling

Integrated marketplace connecting claimants with partner repair facilities, including cost estimation and appointment booking.

Key Features

Partner repair shop directory with booking
Cost estimation tools
Preventive maintenance scheduling and tracking

Target Users: Insurance carriers, individual vehicle owners, fleet managers

Risk Inspection Services

Optional motor insurance risk assessment coordination, with appointment scheduling through the platform.

Key Features

Risk inspection appointment management
Configurable authorization flows
Real-time monitoring of interventions

Target Users: Insurance carriers, brokers

At a Glance

Founded: 2019
Headquarters: Bucharest, Romania
Employees: 11-50
Funding: Series A

Category & Focus

Category: Claims Technology
Subcategories: FNOL Claims Automation Document Management Repair Network Management
Insurance Verticals: P&C Personal P&C Commercial
Target Customers: Carriers, Brokers, MGAs/MGUs