Europe isn't one insurance market, even though many global brands treat it like it is 🧩 Our Head of Business Development Guillaume Roux dug into this at Insurtech Insights, alongside Russell Fisher (Admiral Pioneer), Ivan Fazzari(Allianz Partners) and Viola Zsédely-Takács (Ageas Group), moderated by Ken Leibow (InsurTech Express). When brands like Tesla or Revolut look at Europe, they want one partner, one program, one claims team. But insurance is a multi-local business by default, with different products, regulations and customer journeys in every market. That's where the right platform makes all the difference. Rather than dealing with all that fragmentation themselves, brands can add a tech layer to absorb the complexity for them – one clean interface, with different insurers, products and regulations underneath. As Guillaume put it: 'The scaling of insurance programs across Europe relies on the right tech.' Catch a snippet from the panel below and read more about what frictionless insurance really looks like in Guillaume's blog 👉 https://hubs.li/Q04j0ZKs0
Qover
Insurance
Brussels, Brussels Region 16,045 followers
Leader in embedded insurance orchestration
About us
Hi! We're Qover 👋 We enable companies and insurance providers to offer seamless insurance experiences across Europe. Since Qover was founded in 2016, our co-founders had a clear vision of the future of insurance: it must be simple, transparent and accessible across borders – a global safety net enabling people to live life to the fullest. To that end, our modular embedded insurance orchestration platform covers millions of users across 32 European countries, and works with longstanding partners like Revolut, Monzo, ING, Mastercard, Deliveroo, NIO and many others. Let us ensure your success.
- Website
-
http://www.qover.com
External link for Qover
- Industry
- Insurance
- Company size
- 51-200 employees
- Headquarters
- Brussels, Brussels Region
- Type
- Privately Held
- Founded
- 2016
- Specialties
- InsurTech, Insurance, API, Fintech, Embedded Insurance, Embedded insurance orchestration, and Financial services
Locations
-
Primary
Get directions
Rue du Commerce 31
Brussels, Brussels Region 1000, BE
Employees at Qover
Updates
-
Qover reposted this
Ten years of Qover and what I'm most proud of can't be measured 💭 Building a company is of course about the technology, the value proposition and so on – but all of that is built by people. And it's that human journey I'm most proud of. In the early days of Qover, my job was to define the direction and high-level strategic plan. But I was also involved in everything: every decision, every process, every detail. That's just the reality of building something from the ground up. Alongside that, I was also deliberate about building the right team – people with initiative, expertise and an entrepreneurial spirit: being curious, flexible, resilient and 'qomfortable being uncomfortable'. The type of people willing to take on any challenge and not afraid to learn the hard way. But the level they've taken it to still surprises me. Every day, I discover something new that the team has been working on – improvements, projects, ideas I never would have thought of. This is what drives me a decade in. The reality is: Qover isn't the founders' baby anymore. It belongs to every person on this team who takes the initiative to build something better. And that, honestly, is what defines us. Catch a snippet below from part four of 'The Q Files' and read my full reflection on 10 years of Qover in my latest column 👉 https://hubs.li/Q049-1Cx0
-
Today is the day 🗓️ A reminder that our webinar kicks off at 1pm CEST. Ed Ackerman, Alix Moggia and Caroline Hanotiau are sharing real lessons from 10 years of building embedded insurance. It’s a rare chance to hear directly from our management team about how we’ve approached things from operations to tech to compliance – and if you haven't saved your spot yet, there's still time. Don't miss it! Register now 👇
A decade of building embedded insurance across 32+ markets teaches you what actually works (and what everyone gets wrong) 👀 In our next webinar on 21 May at 1pm (CEST), three of our senior leaders are pulling back the curtain on that decade. ⚙️ Ed Ackerman, our Chief Operating Officer, will walk through the numbers – an operational reality check of sorts – how many claims we process, how fast we settle them and what it actually looks like to operate at scale with different rules, partners and expectations. 💡 Alix Moggia, our Chief Product Officer, brings a fresh perspective to insurtech with decades of tech product expertise. She’ll talk about building and iterating the Qover platform in ways the industry hasn't traditionally done. ⚖️ Caroline Hanotiau, our General Counsel, leads our legal, insurance and compliance teams. She'll dig into compliance as a competitive advantage: why building it into the platform has made scaling possible and strengthened partner trust. We'll wrap it up with a live Q&A, so bring your questions. Join us! Register now to save your spot 👇
-
Qover reposted this
Money20/20 Europe is coming up soon ⏳ Which means I'll be in Amsterdam from 2-4 June! Looking forward to catching up with partners, connecting with peers across fintech and meeting new people doing interesting things. It's always a great place to talk about where financial services is heading. Whether you're already building something or just exploring what embedded insurance could look like for your business, always happy to have a good conversation. If you're attending, drop me a DM or find me on the event app 👋 #Money2020Europe #Money2020EU
-
-
Qover reposted this
The embedded insurance industry today is unrecognisable from what it was a decade ago. Not just the tech, but the entire philosophy behind it 💡 I'll be honest: 10 years ago, I didn't fully understand what we were building. Even calling it 'embedded insurance' would have been generous. The industry called it affinity distribution or 'insurance-as-a-service'. The model was straightforward: insurance was seen as an upsell, backed by high commissions and aggressive distribution tactics to drive volume. But I always wondered: are we creating real value here or just following a playbook that treats insurance as an afterthought? Turns out, I wasn't alone in that thinking. Over the past decade, I've watched the entire industry evolve. The leading brands we work with today don't treat insurance as just another revenue stream. They see it as a way to fundamentally differentiate what they offer – creating peace of mind, building a safety net and driving genuine customer loyalty. The shift is fundamental. Embedded insurance isn't just about distribution anymore. It's about integration. Making insurance invisible, relevant and genuinely helpful at the exact moment someone needs it. What started as a transactional add-on has become a strategic way to serve customers better. And that evolution is what defines embedded insurance today. Catch a snippet below from part three of 'The Q Files' and read my full reflection on 10 years of Qover in my latest column 👉 https://hubs.li/Q049-1Cx0
-
Just over a week to go ⏰ Next Thursday's webinar, ‘10 years of embedded insurance – what nobody tells you about building it’, brings together our Chief Operating Officer Ed Ackerman, Chief Product Officer Alix Moggia and General Counsel Caroline Hanotiau. Three of Qover’s heavyweights with decades of experience in their respective fields - all to give you a deep and honest look at the last decade of building embedded insurance. 👷🏻♂️ Ed brings his operational background and customer-first mindset to dive into how we found our footing in the insurtech space and where we stand today (hint: expect plenty of AI talk and claims stats). 👩🏻🔧 Alix is putting things through a product lens, where she’ll use her innovation and leadership experience to talk about how a product operating model is changing the way insurance is built, especially when it comes to our platform. 👩🏼💼 Caroline will harness decades of legal experience to talk about what it really means to combine deep insurance knowledge with tech. She’ll show that despite being in a heavily regulated industry, it is possible to have a platform that is compliant-by-design across Europe. 🗓️ Don't miss it – 21 May at 1pm CEST. Swipe to learn more about the speakers and register here 👉 https://hubs.li/Q04g4-8W0
-
When a customer can make a claim in a few clicks and get paid in a few minutes, that experience matters more than the price of the premium ever could 💸 Our Chief Revenue Officer Parker Crockford was featured in ITIJ: International Travel & Health Insurance Journal discussing what makes embedded insurance actually work. It's not about adding insurance to a checkout page. It's about making it feel like a natural, valuable part of the product. That means two things. 1️⃣ You offer coverage at the exact moment when risk is on someone's mind – a solution that doesn’t feel forced and makes sense for them. 2️⃣ You deliver when it counts. Simple claims settled instantly, without the usual insurance hassle. That's how embedded insurance stops being just another add-on and starts driving real growth for non-insurance brands. Read the full article to hear from Parker and other industry leaders about how real-time data, transparency and tech-forward orchestration are reshaping the way customers access coverage 👉 https://lnkd.in/eFPYgVrp #EmbeddedInsurance #Insurtech
-
-
A decade of building embedded insurance across 32+ markets teaches you what actually works (and what everyone gets wrong) 👀 In our next webinar on 21 May at 1pm (CEST), three of our senior leaders are pulling back the curtain on that decade. ⚙️ Ed Ackerman, our Chief Operating Officer, will walk through the numbers – an operational reality check of sorts – how many claims we process, how fast we settle them and what it actually looks like to operate at scale with different rules, partners and expectations. 💡 Alix Moggia, our Chief Product Officer, brings a fresh perspective to insurtech with decades of tech product expertise. She’ll talk about building and iterating the Qover platform in ways the industry hasn't traditionally done. ⚖️ Caroline Hanotiau, our General Counsel, leads our legal, insurance and compliance teams. She'll dig into compliance as a competitive advantage: why building it into the platform has made scaling possible and strengthened partner trust. We'll wrap it up with a live Q&A, so bring your questions. Join us! Register now to save your spot 👇
-
Most insurance players are still chasing the wrong prize with agentic AI 🎯 Rather than focusing on small efficiency gains, it should really be about scaling operational capacity across the entire business. Last month at Insurtech Insights, our COO Ed Ackerman shared how we’re doing this at Qover on the panel 'Agentic AI: how to build intelligence your competitors can't buy', with Thomas Kuhnt (HDI Global SE), Franck Pivert (swiss 6022) and Simon Torrance (AI Risk). Ed noted, real impact comes from getting everyone in the company to use AI, not just your technical teams. We started our AI journey two years ago. Now, here’s where we are: 💬 Customer care: • Roughly 25% of contact runs automated, of which 80% needs no human involvement • Voice AI is now the first port of call for one of our largest customers 🔍 Claims: • 20 agents assess negligence and fraud before a deliberation agent brings it together • We’re targeting 60% automation this year – half of which will be fully straight-through with no human review needed The question isn't whether agentic AI works. It's whether companies are ready to fundamentally rethink how they operate or just tinker around the edges. Catch a snippet from Ed's session below, and read his blog on what we've learned from implementing AI at Qover 👉 https://hubs.li/Q04dT3zj0
-
Qover reposted this
Qover's built dozens of partnerships over the years. Here are the ones that stand out. We've launched a handful of new partnerships recently, which got me thinking about the partnerships that shaped Qover over the past decade – and which was 'the one' that changed everything. When we launched our first product, we got a lot of interest. Among those early conversations, Immoweb, part of the Axel Springer group, was the first to really want to build with us. That became our first major deal – what I now see as the first of many partnerships that would shape us, not the one that defined us. Not long after, Deliveroo came onboard. First for the Belgian market, then expanding across Europe. A couple of years later, we got Revolut. Then another partner. And another. I watched the momentum compound. Each partnership opened doors I didn't expect: new markets, new challenges, new possibilities. We didn't have all the answers at the start. We learned by doing, and by solving problems alongside partners who were willing to take a chance on us. Today, we have 35+ partnerships with large brands across Europe. Each one taught me something different about building embedded insurance at scale. And each one helps widen the global safety net I envision. Catch a snippet below from part two of 'The Q Files' and read my full reflection on 10 years of Qover in my latest column 👉https://hubs.li/Q049-1Cx0