Gocleer

Digital car insurance platform with behavioral incentives and sustainability rewards powered by mobility data analytics.

Distribution & Sales Growth Seed

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Overview

Gocleer is a digital distribution platform for car insurance that enables customers to purchase fully digital policies in under 4 minutes. The platform combines direct-to-consumer sales with AI-powered risk assessment based on mobile phone motion sensors, delivering personalized insurance premiums and behavioral rewards to drivers who demonstrate low-emission and safe driving habits.

The core product is a digital car insurance marketplace that serves individual drivers, corporate fleet managers, municipal authorities, and insurance carriers seeking customer acquisition and engagement channels. The platform uses proprietary telematics and mobility analytics to assess driving behavior and offer dynamic pricing coupled with cashback rewards of up to 31% for low-emission and infrequent driving patterns. Revenue streams include insurance underwriting (through carrier partnerships), data licensing to insurance partners, and SaaS fees from corporate and municipal clients using the analytics platform.

Gocleer has secured EUR 1.34M in seed funding from European investors including EIT Urban Mobility and ENISA, and has completed the Google Startups for Sustainable Development Impact Measurement Program, positioning the company within a growing ecosystem of climate-tech insurtech solutions for urban mobility.

Products & Services

Digital Car Insurance Platform

A fully online car insurance marketplace where customers purchase personalized, dynamic policies direct-to-consumer. Policies are underwritten by partner insurance carriers and can be completed in under 4 minutes. The platform uses behavioral and telematics data to calculate dynamic premiums and reward safe, low-emission driving with cashback rewards.

Key Features

Sub-4-minute digital onboarding and purchase flow
Dynamic pricing based on driving behavior and emissions
Cashback rewards up to 31% for low-emission and infrequent driving
Mobile app integration with motion sensors for real-time behavior tracking
Gamified incentive system for sustainable mobility habits

Target Users: Individual drivers, corporate fleet managers, municipal mobility programs

Mobility Analytics & Data Platform

A B2B SaaS analytics platform that processes mobile phone motion sensor data to generate insights on driving behavior, carbon emissions, and mobility risk profiles. The platform serves insurance carriers, corporations, and city planners seeking to understand commuter patterns and incentivize sustainable transportation adoption.

Key Features

Motion sensor data collection and behavioral segmentation
Carbon footprint measurement and emissions tracking
Risk profiling and driver safety analytics
Integration with corporate fleet management systems
Municipal mobility planning and reporting

Target Users: Insurance carriers, corporate fleet operators, municipal authorities, insurance partners

Engagement & Rewards Programs

Behavioral incentive systems that reward users for sustainable mobility choices through points-based programs redeemable for benefits and environmental impact initiatives (e.g., tree planting through Tree-Nation partnership).

Key Features

Points-based rewards system
Environmental offsetting (reforestation and carbon credits)
Mobility behavior tracking and scoring
Corporate and municipal program customization

Target Users: Insureds, corporations, municipalities

At a Glance

Founded: 2020
Headquarters: Barcelona, Spain
Employees: 11-50
Funding: Seed

Category & Focus

Category: Distribution & Sales
Subcategories: Digital storefronts Direct-to-consumer platforms Embedded insurance Telematics and behavioral analytics
Insurance Verticals: P&C Personal
Target Customers: Carriers, Consumers, Municipalities, Employers

Customers

Tree-Nation (environmental carbon offsetting and reforestation partnerships)
Bicicletas sin Fronteras (bike adoption and shared mobility programs)
ticc* mobility (connected mobility device integration)
EIT Urban Mobility Accelerator Programme (European Institute of Innovation and Technology startup program)
Google Startups for Sustainable Development Programme (Impact Measurement Program completion, 2023)