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Qover

Embedded insurance orchestration platform for businesses and insurers across Europe

Distribution & Sales Growth Series C+
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Overview

Qover is an embedded insurance orchestration platform for brands, fintechs, and insurers distributing insurance products across Europe. The company provides API-first technology covering the complete policy lifecycle -- from quoting and binding through payment processing, claims management, and compliance reporting -- enabling distribution partners to offer insurance without building proprietary infrastructure.

The platform is delivered as a modular API suite with configurable product setup, white-label and embedded UX flows, and integrations for pricing, reporting, and customer support. Qover manages a network of 12+ risk carrier partners, allowing partners to access insurance capacity without direct insurer relationships. An AI-powered claims layer resolves claims 75% faster than traditional methods, and a GenAI customer chatbot handles approximately 200,000 multilingual interactions per year across 15 languages.

Founded by Quentin Colmant and Jean-Charles Velge, Qover has raised over USD 100M in total funding and serves 440+ brand partners across 32 European countries, covering more than 15 million people. Gross written premium has surpassed USD 173M and revenue has tripled over four years. The company holds FSMA regulatory authorisation in Belgium and FCA authorisation in the UK.

Products & Services

Embedded Insurance Orchestration Platform

A modular API suite covering the full insurance policy lifecycle for distribution partners. Includes configurable product setup, white-label and embedded UX flows, and integrations for quote, bind, policy management, payments, pricing, and reporting.

Key Features

  • RESTful API suite with full lifecycle coverage (quote, bind, manage, claims, payments, reporting)
  • Configurable product library across accident and health, mobility, travel, purchase protection, property, and event cancellation
  • Pre-built risk carrier network with 12+ partners
  • White-label and embedded UX components for distribution partners

Target Users: Brands, fintechs, neobanks, and MGAs distributing insurance products in Europe

AI-Powered Claims Management

An AI-driven claims processing layer integrated into the orchestration platform. Resolves claims 75% faster than traditional methods with a 99% claimant satisfaction rate.

Key Features

  • AI-automated claims resolution
  • GenAI customer chatbot supporting 15 languages
  • Approximately 200,000 customer interactions per year
  • 24/7 customer support availability

Target Users: Distribution partners and their end customers requiring fast, multilingual claims handling

Data and Reporting

Live performance dashboards and compliant bordereaux reporting for distribution partners and insurance carriers.

Key Features

  • Real-time performance metrics for distribution partners
  • Compliant bordereaux reporting for insurance carriers
  • Live dashboards with claim and policy data

Target Users: Insurance carriers and distribution partners requiring regulatory-grade reporting

At a Glance

Founded
2016
Headquarters
Brussels, Belgium
Employees
51-200
Funding
Series C+

Category & Focus

Category
Distribution & Sales
Subcategories
Embedded Insurance API Platform Claims Technology Policy Administration
Insurance Verticals
P&C Personal P&C Commercial Specialty/E&S
Target Customers
Carriers, Brokers, MGAs/MGUs

Customers

  • Revolut
  • Mastercard
  • BMW (omnichannel insurance for BMW and MINI, Ireland, April 2025)
  • Deliveroo
  • bunq
  • Monzo
  • Plum FinTech (worldwide travel protection, January 2026)
  • Trust Travel / TUI Belgium (travel protection, February 2026)
  • ING (MGA technology partner, April 2026)
  • Cowboy
  • Immoweb
  • Qonto
  • Yonder
  • Rad Power Bikes
  • Canyon

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Last updated: 2026-06-05