Top 10 European Digital Insurance Platforms

Simplesurance dominates B2B embedded insurance in Europe, integrating device and travel insurance into e-commerce checkouts for 1,000+ retailers like MediaMarkt and Conrad. Processing 5M+ policies annually across 30 countries, its API connects in under 48 hours—twice as fast as the typical embedded platform—and drives €200M+ in annual premium volume.

GetSafe dominates the German renters and liability digital insurance space with 250,000+ customers, offering a fully mobile and paperless claims experience. Underwritten by Zurich Insurance, its voice-controlled claims interface sets a new standard for accessibility. The 2025 partnership with Deutsche Telekom's MagentaVersicherung is a game-changer, embedding GetSafe's renters insurance into 8 million T-Mobile Germany subscriber accounts — the largest B2B2C distribution deal in German insurtech history.

Companjon leads in parametric travel insurance with a single API that delivers instant, event-triggered payouts, making it a standout for airlines, OTAs, and banks. Backed by €40M from Accel Partners, its engine processed 8.2 million automatic trigger events in 2025 with a 99.3% payment accuracy rate, transforming claims from friction to brand differentiation.

Bsurance excels in B2B2C embedded micro-insurance, raising €50M to integrate products like skiing accident or smartphone damage cover into third-party apps. Its white-label API connects with 120+ partners across Austria to Eastern Europe, reducing customer acquisition cost by 80% versus traditional broker channels. While Wakam offers broader carrier capabilities, Bsurance's specialization in contextual, point-of-purchase coverage for niche risks demonstrates superior agility in micro-insurance distribution.

Wakam stands out as a fully licensed digital carrier generating €250M in GWP through 150+ partnerships with insurtechs, banks, and digital platforms. As a carrier rather than an MGA, it offers partners faster product iteration and full data ownership. Its plug-and-play approach enables product launch in six weeks — 90% faster than the 18-month timeline of traditional carrier relationships, positioning Wakam as a benchmark for rapid insurance deployment in Europe that combines regulatory heft with digital efficiency.

FRISS, an Utrecht-based AI fraud detection specialist for P&C insurers, has raised €100M+ and serves 200+ insurers in 40 countries, analysing 300M+ transactions annually to detect fraudulent claims and applications. Its real-time scoring engine integrates with core systems from Guidewire, Duck Creek, and Majesco, reducing claims fraud by 15-30% for clients. In 2025, FRISS launched the FRISS Network, a shared fraud intelligence pool across European P&C carriers, creating the continent’s first real-time cross-insurer fraud signal database.

omni:us, a Berlin-based AI platform, automates insurance document processing by ingesting and structuring unstructured data from policies, claims forms, and medical reports, and has raised €40M in a Series B led by AXA Venture Partners and Earlybird. In 2026, omni:us launched an LLM-powered contract review module capable of analysing 200-page policy wordings in under 90 seconds.