# Proton Insurance

> Behavioral\-based digital car insurance for the Middle East

## At a glance

| Field | Value |
| --- | --- |
| Type | Carrier |
| Region | EMEA |
| Headquarters | Dubai, United Arab Emirates (DIFC) |
| Founded | 2020 |
| Stage | Startup |
| Employees | 1-10 |

## Overview

Proton Insurance is a direct-to-consumer digital car insurance carrier operating in the UAE and the broader Middle East, offering telematics-based policies where premiums reflect individual driving behavior rather than demographic averages.

The company distributes exclusively through a native mobile application that collects telematics data -- GPS location, motion sensors, and trip patterns -- over a structured 20-trip, 20-day onboarding period. This data feeds machine learning algorithms that generate a proprietary driving score, which the underwriting engine uses to produce a personalized premium quote. A Proton Wallet mechanism allows policyholders to earn back value from their premiums by maintaining safe driving habits over time.

Proton operates under regulatory oversight of the Dubai Financial Services Authority (DFSA) and is registered as Proton Reinsurance Limited in the DIFC. The company has positioned itself as a technology-first carrier targeting digital-native consumers in a regional market where behavioral pricing has seen limited adoption to date.

## Links

- Website: <https://proton.insure>
- Directory profile: <https://insurtechlist.com/companies/proton-insurance/>
- Linkedin: <https://www.linkedin.com/company/proton-insure>

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*Last updated: 2026\-06\-16*