XIGA

Embedded insurance distribution platform for non-traditional channels in Central and Eastern Europe

Distribution & Sales Startup Seed

Overview

XIGA is an embedded insurance technology platform based in Romania, focused on P&C insurance distribution through non-traditional channels in Central and Eastern Europe. The company operates on a B2B2C model, connecting insurance products with consumers via partners such as retailers, e-commerce platforms, and social commerce integrations.

The platform handles policy issuance, claims processing, and regulatory compliance on the backend, allowing partner companies to offer insurance as part of their own customer transactions without building insurance infrastructure. Partners integrate via API and embed insurance offers into existing purchase flows at POS terminals, digital storefronts, and social media commerce.

XIGA has established early traction in Romania through partnerships with retail technology provider Danubius Exim and licensed broker partner Transilvania Broker. In 2024, the company became the first in Romania to distribute RCA (mandatory car liability) insurance directly through TikTok, and received a strategic investment from Life Is Hard (LIH Ventures), a Romanian IT company that acquired a 10% equity stake.

Products & Services

Embedded RCA Insurance Distribution

XIGA integrates mandatory car liability (RCA) insurance into non-traditional distribution points. End customers can scan their vehicle registration document using a mobile camera, receive personalized offers, and complete purchases within the partner platform or application -- without visiting an insurance website or office.

Key Features

Mobile document scanning for vehicle registration
Real-time personalized insurance offer generation
Seamless checkout embedded in partner transaction flow
Integration with POS terminal networks (including Datecs BlueCash-50 hardware)
Social commerce support (TikTok embedded purchase flows)

Target Users: Retailers, e-commerce platforms, financial service companies distributing to consumer segments

Travel Insurance

Travel insurance products distributed through XIGA embedded channels as part of the company's expanding product portfolio.

Target Users: Retail and digital partners with travel customer segments

B2B2C Insurance Platform

The underlying technology layer enabling partner companies to add insurance distribution without building insurance systems. Handles compliance, backend policy operations, and partner integrations while partners control the customer experience.

Key Features

API-based integration for partner onboarding
White-label insurance offer presentation
Policy issuance and claims backend
Compliance and regulatory handling

Target Users: B2C companies seeking to offer insurance as a value-added service

At a Glance

Founded: 2022
Headquarters: Floresti, Cluj County, Romania
Employees: 1-50
Funding: Seed

Category & Focus

Category: Distribution & Sales
Subcategories: Embedded Insurance Digital Distribution
Insurance Verticals: P&C Personal
Target Customers: Brokers, Carriers, Consumers

Customers

Danubius Exim (POS terminal integration for proximity retail RCA sales)
Transilvania Broker (licensed broker distribution partner)
Tudor Bratu (TikTok automotive content creator; 2024 RCA distribution campaign)
Life Is Hard / LIH Ventures (10% strategic investor and technology collaborator)