Qover

Quentin Colmant and Jean-Charles Velge founded Qover in Brussels in 2016 with a simple but hard-to-execute insight: distribute digital insurance through the channels consumers already use daily, instead of forcing them to search for it on specialized portals. The concept is embedded insurance — policies that appear at the right moment, integrated into the experience of buying a product or service, without ever requiring the user to go somewhere else. To make this work, Qover built an API-first infrastructure that enables banks, fintechs, neobanks, marketplaces, and large brands to integrate insurance products directly into their own platforms. A car rental service can offer damage coverage at the moment of booking. A neobank can suggest travel insurance to a customer purchasing a flight. An electronics marketplace can include a device protection policy at checkout. All of this without requiring the partner to build their own insurance capability from scratch. Qover handles this operational complexity end-to-end: from access to insurance carriers to compliance systems, from claims management to the digital user experience. Partners integrating via API receive a white-label product that is ready to deploy, scalable, and compliant with the applicable regulations across different European countries. The economic model is based on revenue sharing: Qover earns a commission on each policy sold through its partners, with possible integration and setup fees for larger clients. Since 2016, the company has raised approximately $70 million, building a partner network spread across multiple European markets. The vision is to become the insurance infrastructure layer for digital Europe — invisible to end consumers, essential to platforms that want to monetize their users with relevant, contextual financial products.