# Tuio

> Home, life, and auto insurance \-\- simplified for the digital age

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | EMEA |
| Headquarters | Madrid, Spain |
| Founded | 2021 |
| Employees | 51-200 |

## Overview

Tuio is a Spain-based home, life, and auto insurance MGA selling direct to consumers via digital channels. Founded in 2021 by Juan Garcia, Asis Pardo, and Jose Maria de Lucas, the company holds underwriting authority backed by global reinsurers and is regulated by Spain's Direccion General de Seguros (DGS).

Tuio's programs operate on capacity provided by iptiQ (Swiss Re) and Allianz Direct Versicherungs-AG. The MGA designs simplified policy documentation -- home policies are approximately 8x shorter than traditional equivalents -- and prices products at up to 21% below typical market rates. The company is B-Corp certified.

As of 2025, Tuio serves over 45,000 customers with insured assets approaching EUR 5 billion. The company automates over 80% of customer interactions and 85% of straightforward claims through a suite of proprietary AI agents. In February 2026, Tuio became the first insurer to launch an OpenAI-approved application on ChatGPT, enabling real-time home insurance quoting through conversational AI via a partnership with WaniWani.

## Products & services

### Home Insurance

Digital home contents and building insurance with simplified policy documentation and 2-minute claims response time.

**Key features:**

- Building and contents damage coverage
- Starting at EUR 5/month
- 3\-hour emergency response time
- 90%\+ claims resolved within 30 days

*Target users:* Individual homeowners and renters in Spain

*Distribution:* Direct\-to\-consumer via web, mobile app, and ChatGPT integration

### Life Insurance

Straightforward digital life coverage with transparent terms and AI-assisted underwriting.

**Key features:**

- Life coverage starting at EUR 7/month
- Simplified policy language
- AI\-assisted underwriting process

*Target users:* Individual consumers in Spain

*Distribution:* Direct\-to\-consumer via web and mobile app

### Auto Insurance

Digital auto insurance at entry-level pricing, launched following home and life products.

**Key features:**

- Starting at EUR 149/year
- Same digital\-first philosophy as home and life products
- Streamlined digital claims process

*Target users:* Individual vehicle owners in Spain

*Distribution:* Direct\-to\-consumer via web and mobile app

### Pet Insurance

Pet health insurance product in development, planned for rollout following auto insurance launch.

*Target users:* Pet owners in Spain

*Distribution:* Direct\-to\-consumer \(planned\)

## Links

- Website: <https://tuio.com>
- Directory profile: <https://insurtechlist.com/companies/tuio/>
- Linkedin: <https://es.linkedin.com/company/somostuio>

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*Last updated: 2026\-05\-18*