# INZMO

> Insurance reimagined for the digital age: affordable, accessible, 100% digital micro\-insurance\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Berlin, Germany |
| Founded | 2016 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Acquired |

## Overview

INZMO is a Berlin-based insurtech platform that delivers embedded insurance solutions directly to European consumers through a mobile-first, 100% digital distribution model. Founded in 2016, the company specializes in micro-insurance products targeting younger demographics seeking affordable coverage without traditional friction. The platform emphasizes fast claims processing and user-friendly digital experiences, operating dual regional hubs in Berlin and Tallinn that serve 150,000+ customers with a 4.7-star customer rating.

INZMO was acquired by Helvetia Group, a major Swiss insurance company, in 2020 — a validation of its direct-to-consumer distribution model and digital-first approach. The company maintains operational independence within the Helvetia ecosystem, continuing to expand its product portfolio with AI-powered innovations while advancing its embedded insurance capabilities.

## Products & services

### Mobile Phone Insurance

Comprehensive device coverage for smartphones starting at EUR 1.99/month, addressing accidental damage, theft, and malfunction. The product features streamlined digital claims processing, enabling customers to file and resolve claims through the mobile app without traditional paperwork or manual intervention.

**Key features:**

- Coverage for accidental damage, theft, and technical failures
- Fast, digital claims processing
- Affordable monthly premium \(from EUR 1\.99\)
- Mobile app\-first claims submission

*Target users:* Smartphone users, primarily younger demographics in Europe

### Rental Deposit Warranty

Insurance alternative that eliminates the need for large upfront security deposits when renting accommodation. Renters pay a small monthly premium (from EUR 3.25) instead of providing full deposits to landlords, significantly improving financial accessibility for tenants.

**Key features:**

- Replaces large upfront security deposits
- Streamlined digital underwriting
- Low monthly premiums
- Integration with rental platforms \(e\.g\., UnitedShare App\)

*Target users:* Renters seeking financial flexibility, property management platforms

### Bicycle Insurance

Two-wheeler coverage protecting against theft and damage, starting from EUR 4.99/month. The product targets the growing urban cycling community across Europe.

**Key features:**

- Theft and damage protection
- Affordable micro\-insurance pricing
- Digital policy management
- Fast claim settlement

*Target users:* Urban cyclists, commuters

### Laptop/Tablet Insurance

Electronics protection for computing devices (from EUR 2.99/month), covering accidental damage and technical failures. The product extends INZMO's micro-insurance approach to work-from-home professionals and students.

**Key features:**

- Accidental damage and technical failure coverage
- Low monthly cost
- Digital claim submission
- Fast processing

*Target users:* Remote workers, students, tech\-dependent professionals

### E\-Scooter Insurance

Micro-mobility protection for personal electric scooters (from EUR 4.17/month), addressing the rapidly growing urban micro-mobility market. The product covers theft and collision damage.

**Key features:**

- Theft and damage protection
- Affordable monthly pricing
- Designed for micro\-mobility devices
- Digital\-first claims

*Target users:* Urban commuters, micro\-mobility device owners

### RentalBot

AI-powered legal chatbot launched in 2024 that provides 24/7 legal assistance for rental disputes. The platform leverages natural language processing and machine learning to address common landlord-tenant conflicts including rent increases, evictions, deposit disputes, maintenance issues, and lease terms.

**Key features:**

- Natural language processing for legal consultation
- References German rental law and case law
- 24/7 availability
- Available in English and German
- Covers primary rental disputes

*Target users:* Tenants and landlords requiring legal guidance, property managers

## Category & focus

- Subcategories: Direct\-to\-consumer distribution, embedded insurance, micro\-insurance
- Insurance verticals: P&C Personal
- Target customers: Consumers

## Notable customers

- UnitedShare App \(rental deposit warranty distribution\)
- Helvetia Group \(parent company, strategic partner\)

## Links

- Website: <https://www.inzmo.com>
- Directory profile: <https://insurtechlist.com/companies/inzmo/>
- Blog: <https://inzmo.medium.com>
- Careers: <https://join.com/companies/team-inzmo>
- Linkedin: <https://www.linkedin.com/company/inzmo>
- Rentalbot: <https://inzmo.com/deu/en/rental-deposit-de>

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*Last updated: 2026\-06\-14*