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Neat

Embedded insurance platform enabling brands to distribute white-label insurance products at scale

Distribution & Sales Growth Series A
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Overview

Neat is an embedded insurance SaaS platform for retailers, fintechs, banks, and other non-insurance distribution partners seeking to offer insurance products to their customers. The company operates as a licensed insurance broker, handling product design, technical integration, claims management, and carrier coordination on behalf of its distribution partners across Europe.

The platform provides an end-to-end stack: AI-driven product matching against partner catalogs, plug-and-play API and widget integrations, a branded partner dashboard, intelligent claims management, and anti-fraud systems. Distribution partners can embed insurance into their existing digital or retail sales funnels without building insurance infrastructure. The platform covers travel and ticketing, consumer electronics, mobility, financial services products, and specialty coverages including cyber and weather guarantees.

As of late 2024 Neat serves more than 2 million insureds through a network of over 3,000 distributors, operates in 27 countries, and works with 12 insurance carrier partners. The company raised EUR 50M in a Series A round led by Hedosophia in September 2024 and reported reaching profitability around the same time.

Products & Services

Neat Booking

Travel and ticketing insurance suite for OTAs, travel agencies, and ticketing platforms.

Key Features

  • Trip cancellation and modification coverage
  • Baggage loss and flight disruption protection
  • Ticketed event and experience coverage

Target Users: Travel agencies, online travel agencies (OTAs), ticketing platforms

Neat Goods

Consumer electronics and mobility insurance for retailers and e-commerce operators.

Key Features

  • Coverage for smartphones, electronics, and household devices
  • Bicycle, scooter, and vehicle insurance
  • Embedded at point-of-sale in retail and e-commerce channels

Target Users: Retailers, e-commerce merchants, mobility operators

Neat Financial Services

Card-linked and payment-speed insurance for financial institutions.

Key Features

  • Insurance embedded into payment cards and financial products
  • AI-powered personalization of card insurance benefits
  • Digital claims processing

Target Users: Banks, fintechs, payment networks

White-Label Embedded Insurance Platform

End-to-end platform enabling distribution partners to launch branded insurance programs.

Key Features

  • AI product matching against partner catalogs with dynamic pricing
  • Multiple integration modes: REST API, widget, SFTP, file-based connectors
  • Partner dashboard for data management, optimization, and real-time monitoring
  • Claims portal with human review and AI-assisted fraud detection

Target Users: Retailers, fintechs, banks, mobility operators

At a Glance

Founded
2022
Headquarters
Bordeaux, France
Employees
51-200
Funding
Series A

Category & Focus

Category
Distribution & Sales
Subcategories
Embedded Insurance White-Label Insurance API Distribution
Insurance Verticals
P&C Personal Specialty/E&S P&C Commercial
Target Customers
Brokers, Carriers, Consumers

Customers

  • Floa (French BNPL/fintech -- payment card insurance)
  • Misterfly (French OTA -- travel insurance)
  • SNCF (French national rail -- travel protection)
  • Cdiscount Voyages (e-commerce travel)
  • Alain Afflelou (optical retail -- hearing aid insurance)
  • Pierre & Vacances / Center Parcs (vacation rentals)
  • Leboncoin (French classifieds marketplace)
  • Ticketac (ticketing)
  • Maeva (vacation rentals)

Links

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Last updated: 2026-06-04