Pillow Insurance

Pillow Insurance (Pillow pojistovna, a.s., operating also as Simply Fair Insurance a.s.) is a mobile-native property and casualty carrier headquartered in Prague, Czech Republic, licensed to write personal auto, home, and life insurance. The company distributes exclusively through its mobile app, targeting Czech consumers who want transparent, simplified coverage without traditional broker or agent intermediaries.

The carrier differentiates on two operational dimensions: policy simplicity and pricing innovation. Pillow compresses its policy terms and conditions to roughly 10 pages versus the industry standard of 50 or more, and offers a pay-per-kilometer vehicle insurance product that prices auto coverage based on actual mileage tracked by the app. A unified policy management and payment feature called Pillow Wallet allows customers to hold and manage all their policies from a single dashboard. In February 2026, Pillow extended its reach to small businesses with a fleet insurance product for companies operating 5 to 25 vehicles. The company reported 301,242 active policyholders as of April 2025 and 1.2 billion Czech crowns in gross written premium for 2024.

Pillow is backed by RSJ Group, a Czech financial services conglomerate, and is supported by global reinsurance relationships. No venture capital financing has been reported; the company has grown on a self-funded basis since inception. Pillow is recognized as the fastest-growing Czech insurance company and has received multiple industry awards in the Czech market, including the Finparada 2026 Financial Product of the Year for vehicle insurance.