# Cristo

> Mobile platform for usage\-based car insurance and vehicle services in Hungary\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Customer Engagement |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Szeged, Hungary |
| Founded | 2017 |
| Stage | Growth |
| Employees | 1-10 |
| Funding | Bootstrapped |

## Overview

Cristo is a Hungarian insurtech and fintech company that provides a mobile super-app for usage-based car insurance and vehicle management services. The platform combines pay-per-use casco (comprehensive) insurance with telematics, vehicle monitoring, and mobility services, targeting consumers who want flexible insurance premiums based on actual driving behavior. Cristo's Beat telematics device connects to vehicles via OBD-II to track mileage, driving behavior, and vehicle status in real-time.

The platform integrates multiple services into a single app: usage-based insurance premiums, vehicle telematics with real-time monitoring, peer-to-peer car rental, smart parking, roadside assistance, and highway vignette management. Revenue is generated through insurance premiums, subscription tiers (Pro plans include the usage-based casco), and service fees. Cristo was founded in 2017 and operates primarily in Hungary with a small team of five employees based in Szeged.

Cristo has achieved local recognition as one of the top five insurtech startups in Hungary (2024) and maintains active user bases on Android and iOS. The company is exploring partnerships and growth opportunities, including a co-branded app with Euroleasing for fleet management and a crowdfunding campaign on Tokeportal to finance expansion.

## Products & services

### Cristo Casco \(Usage\-Based Insurance\)

Pay-per-use comprehensive (casco) car insurance available on the Pro subscription plan. Premiums are calculated based on actual kilometers driven rather than traditional annual policies, allowing users to save money by only paying for the miles they use.

**Key features:**

- Per\-kilometer pricing model
- Real\-time premium calculation
- Flexible coverage tied to usage
- Integration with Beat telematics device for accurate mileage tracking

*Target users:* Consumer vehicle owners seeking flexible insurance costs

### Beat Telematics Device

OBD-II connected hardware device that monitors vehicle data in real-time, providing detailed driving analytics, vehicle status, and automated services.

**Key features:**

- Real\-time vehicle tracking and mileage logging
- Driving style analysis and feedback
- Vehicle error code detection and alerts
- Automatic parking charge cancellation when leaving paid zones
- Weather\-related alerts and movement notifications
- Real\-time vehicle data display \(location, fuel level, mileage\)

*Target users:* Vehicle owners using the Cristo app for insurance and monitoring

### Cristo Share

Peer-to-peer car rental and car-sharing marketplace allowing users to rent or share their vehicles through the app.

**Key features:**

- Vehicle listing and availability management
- Peer\-to\-peer rental agreements
- Trip tracking via telematics

*Target users:* Vehicle owners and renters seeking short\-term car access

### Smart Parking

On-street parking management with flexible payment through the app. Users activate parking fees directly in the app with automatic stoppage when departing.

**Key features:**

- Real\-time parking availability
- Flexible pay\-as\-you\-park pricing
- Automatic charge termination on departure
- Integration with Beat device for location\-based services

*Target users:* Urban commuters and vehicle owners

### Cristo Assistance

Vehicle breakdown and roadside assistance coverage included as optional add-on or subscription tier.

**Key features:**

- 24/7 breakdown and roadside assistance
- Integration with telematics for emergency location sharing
- Quick response coordination

*Target users:* Vehicle owners seeking peace of mind on the road

### Highway Vignette Management

Digital purchasing, storage, and automated management of highway permits (motorway vignettes) for travel across European borders.

**Key features:**

- Digital vignette purchasing
- Automatic renewal reminders
- Multi\-country support

*Target users:* Frequent highway users

## Category & focus

- Subcategories: Mobile insurance platform, usage\-based insurance delivery, telematics integration
- Insurance verticals: P&C Personal
- Target customers: Consumers

## Links

- Website: <https://hellocristo.hu>
- Directory profile: <https://insurtechlist.com/companies/cristo/>
- Linkedin: <https://hu.linkedin.com/company/hellocristo>
- Euroleasing app: <https://play.google.com/store/apps/details?id=hu.hellocristo.euroleasing>
- Google play store: <https://play.google.com/store/apps/details?id=com.kriph>

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*Last updated: 2026\-06\-13*