Cleverea

Digital MGA making insurance simpler, more affordable, and fully digital for consumers in Spain

Specialty Solutions

Overview

Cleverea is a personal lines MGA operating in Spain that underwrites and distributes insurance directly to consumers through a mobile-first digital platform. The company covers mobility (cars, motorcycles, scooters, bicycles), home (homeowners and renters), life, and pet liability lines, and also distributes through a B2B2C embedded insurance channel targeting neobanks, fintechs, airlines, telecom operators, and brokers.

The company underwrites its programs under Spain's insurance regulatory authority (DGSFP), operating as a registered insurance subscription agency (code AS-0103). It applies machine learning algorithms to fraud detection and pricing across all its lines. The mobile app provides policyholders with end-to-end self-service for contract management, claims reporting, and roadside assistance requests.

Cleverea was founded in 2019 by twin brothers Javier Bosch and Joan Bosch and co-founder Alvaro Sanz. It raised a EUR 5M seed round in December 2021 led by Stride.VC with participation from Inveready, Bonsai Partners, TA Ventures, and FJ Labs. As of late 2025 the company had accumulated over 3,000 customer reviews on Google at an average rating of 4.3 out of 5 stars.

Products & Services

Car Insurance (Seguro de coche)

Personal auto coverage from EUR 15/month for private vehicles, including roadside assistance and in-app claims.

Key Features

Comprehensive and third-party liability options
Roadside assistance
In-app claims management

Target Users: Spanish consumers

Distribution: Direct B2C via app; B2B2C via partner API integrations

Motorcycle Insurance (Seguro de moto)

Motorcycle and motorbike coverage from EUR 5/month.

Key Features

Third-party liability
Comprehensive options

Target Users: Motorcycle owners in Spain

Distribution: Direct B2C; B2B2C embedded

Scooter Insurance (Seguro de patinete)

Electric kick-scooter coverage from EUR 2/month, fulfilling Spain's 2025 mandatory insurance regulation.

Key Features

Mandatory civil liability coverage
Theft protection

Target Users: Electric scooter riders in Spain

Distribution: Direct B2C; B2B2C embedded

Bicycle Insurance (Seguro de bici)

Bike theft and liability coverage from EUR 2/month.

Key Features

Theft coverage
Civil liability

Target Users: Cyclists in Spain

Distribution: Direct B2C; B2B2C embedded

Daily/Temporary Insurance (Seguro por dias)

Short-term vehicle coverage from EUR 2/day for occasional drivers or borrowers.

Target Users: Spanish consumers needing temporary coverage

Distribution: Direct B2C

Home Insurance -- Homeowner (Seguro para propietarios)

Building and contents coverage for property owners from EUR 5/month.

Target Users: Homeowners in Spain

Distribution: Direct B2C; B2B2C embedded

Home Insurance -- Tenant (Seguro para inquilinos)

Contents and liability coverage for renters from EUR 5/month.

Target Users: Renters in Spain

Distribution: Direct B2C; B2B2C embedded

Life Insurance (Seguro de vida)

Term life coverage from EUR 20/month, launched in late 2025.

Target Users: Spanish consumers

Distribution: Direct B2C

Dog Liability Insurance (Seguro de responsabilidad civil para perros)

Third-party liability coverage for dog owners from EUR 3/month.

Target Users: Dog owners in Spain

Distribution: Direct B2C

B2B2C Embedded Insurance

White-label portals and full API integrations for partners to embed Cleverea products in their own customer journeys. Cleverea handles product design, underwriting, and claims end-to-end for embedded partners.

Target Users: Neobanks, fintechs, airlines, telecom operators, insurance brokers, retailers

Distribution: API and white-label portal