# Insurtech Europe Market Map 2026: 77 Startups in 7 Segments > 77 European insurtech startups mapped in 7 segments: health and life, underwriting and claims software and small business cover and more. Source: https://millionrounds.com/market-maps/insurtech-europe-market-map (Millionrounds; every figure on the page links to its filing or article) ## Health and life 17 - [Alan](https://millionrounds.com/company/alan) - [Penelope Health](https://millionrounds.com/company/penelope-health) - [YuLife](https://millionrounds.com/company/yulife) - [Qantev](https://millionrounds.com/company/qantev) - [Santexpat.fr](https://millionrounds.com/company/santexpat-fr) - [Dalma](https://millionrounds.com/company/dalma) - [DeadHappy](https://millionrounds.com/company/deadhappy) - [Qumata](https://millionrounds.com/company/qumata) - [Life5](https://millionrounds.com/company/life5) - [Better Health Insurance Advice](https://millionrounds.com/company/better-health-insurance-advice) - [Eleos](https://millionrounds.com/company/eleos) - [SafetyWing](https://millionrounds.com/company/safetywing) - [Welfaire](https://millionrounds.com/company/welfaire) - [Solace Care](https://millionrounds.com/company/solace-care) - [Marrow](https://millionrounds.com/company/marrow) - [The Hokus Platform](https://millionrounds.com/company/the-hokus-platform) - [Trinity Insurance Services](https://millionrounds.com/company/trinity-insurance-services) ## Underwriting and claims software 16 - [Marshmallow](https://millionrounds.com/company/marshmallow) - [Canopius](https://millionrounds.com/company/canopius) - [Criteria](https://millionrounds.com/company/criteria) - [QuanTemplate](https://millionrounds.com/company/quantemplate) - [*Z* Zelros](https://millionrounds.com/company/zelros) - [Wallife](https://millionrounds.com/company/wallife) - [Optalitix](https://millionrounds.com/company/optalitix) - [Insoore](https://millionrounds.com/company/insoore) - [Anorak](https://millionrounds.com/company/anorak) - [CTRLio](https://millionrounds.com/company/ctrlio) - [Arrow Risk Management](https://millionrounds.com/company/arrow-risk-management) - [COVR Global](https://millionrounds.com/company/covr-global) - [Codeoscopic](https://millionrounds.com/company/codeoscopic) - [Costockage](https://millionrounds.com/company/costockage) - [HUG HUB](https://millionrounds.com/company/hug-hub) - [Insly](https://millionrounds.com/company/insly) ## Small business cover 12 - [Artificial Labs](https://millionrounds.com/company/artificial-labs) - [Cytora](https://millionrounds.com/company/cytora) - [Konsileo](https://millionrounds.com/company/konsileo) - [Concirrus](https://millionrounds.com/company/concirrus) - [Broker Insights](https://millionrounds.com/company/broker-insights) - [Insify](https://millionrounds.com/company/insify) - [Nimbla](https://millionrounds.com/company/nimbla) - [Jove Insurance](https://millionrounds.com/company/jove-insurance) - [Diesta](https://millionrounds.com/company/diesta) - [Volante Global](https://millionrounds.com/company/volante-global) - [Lukango](https://millionrounds.com/company/lukango) - [InMyBag](https://millionrounds.com/company/inmybag) ## Car and mobility 11 - [Prima.it](https://millionrounds.com/company/prima-it) - [By Miles](https://millionrounds.com/company/by-miles) - [Trasti](https://millionrounds.com/company/trasti) - [Way](https://millionrounds.com/company/way) - [Cuvva](https://millionrounds.com/company/cuvva) - [Tuio](https://millionrounds.com/company/tuio) - [Caura](https://millionrounds.com/company/caura) - [Bdeo](https://millionrounds.com/company/bdeo) - [Xtract](https://millionrounds.com/company/xtract) - [AutoConnexa](https://millionrounds.com/company/autoconnexa) - [Flitter](https://millionrounds.com/company/flitter) ## Home and property 8 - [Fidelis Insurance](https://millionrounds.com/company/fidelis-insurance) - [Zego](https://millionrounds.com/company/zego) - [hyperexponential](https://millionrounds.com/company/hyperexponential) - [GarantMe](https://millionrounds.com/company/garantme) - [Estaly](https://millionrounds.com/company/estaly) - [SmartGarant](https://millionrounds.com/company/smartgarant) - [Okify](https://millionrounds.com/company/okify) - [Quota Rent](https://millionrounds.com/company/quota-rent) ## Embedded insurance 7 - [Wrisk](https://millionrounds.com/company/wrisk) - [Hepster](https://millionrounds.com/company/hepster) - [Alicia Insurance](https://millionrounds.com/company/alicia-insurance) - [Elma](https://millionrounds.com/company/elma) - [bsurance](https://millionrounds.com/company/bsurance) - [Loxa](https://millionrounds.com/company/loxa) - [Embri](https://millionrounds.com/company/embri) ## Parametric and climate cover 6 - [Ethos](https://millionrounds.com/company/ethos) - [Renew Risk](https://millionrounds.com/company/renew-risk) - [7Analytics](https://millionrounds.com/company/7analytics) - [Celest Science](https://millionrounds.com/company/celest-science) - [Meteo Protect](https://millionrounds.com/company/meteo-protect) - [Mitigrate](https://millionrounds.com/company/mitigrate) ## Segment by segment ### Health and life 17 startups · $1.1B raised - [**Alan**](https://millionrounds.com/company/alan) Alan is a prominent digital health partner based in France, recognized as the first new licensed health insurance company in the c France $733M - [**Penelope Health**](https://millionrounds.com/company/penelope-health) We believe that information asymmetry is a root cause of market inefficiencies within US healthcare. United Kingdom $100M - [**YuLife**](https://millionrounds.com/company/yulife) YuLife is a London-based insurtech company founded in 2016 that aims to redefine life insurance. United Kingdom $75M - [**Qantev**](https://millionrounds.com/company/qantev) Qantev is an Insurtech startup based in Paris, France, specializing in AI solutions for the health and life insurance sectors. France $34M - [**Santexpat.fr**](https://millionrounds.com/company/santexpat-fr) Santexpat is a health insurance platform for French expatriates in more than 200 countries France $30M - [**Dalma**](https://millionrounds.com/company/dalma) Dalma is a digital pet insurance provider based in France, now serving the German market since October 2023. France $22M - [**DeadHappy**](https://millionrounds.com/company/deadhappy) DeadHappy was a UK-based insurtech company founded in 2013, known for its digital, pay-as-you-go life insurance and will management platform. United Kingdom $22M - [**Qumata**](https://millionrounds.com/company/qumata) Qumata is a global InsurTech and data science company founded in 2017, focused on AI-powered digital risk assessment for the life United Kingdom $13M ### Underwriting and claims software 16 startups · $330M raised - [**Marshmallow**](https://millionrounds.com/company/marshmallow) Marshmallow Technology Ltd., founded in 2017 in London, is a British insurtech and fintech company. United Kingdom $135M - [**Canopius**](https://millionrounds.com/company/canopius) Canopius is an insurance and underwriting services provider. United Kingdom $59M - [**Criteria**](https://millionrounds.com/company/criteria) Criteria provides insurance claims and loss adjustment services. United Kingdom $56M - [**QuanTemplate**](https://millionrounds.com/company/quantemplate) Quantemplate is an AI-powered SaaS platform tailored for the re/insurance industry, including insurers, reinsurers, and managing g United Kingdom $22M - [*Z* **Zelros**](https://millionrounds.com/company/zelros) Zelros is an end-to-end AI business platform that integrate standard scenarios for sales & claims. France $16M - [**Wallife**](https://millionrounds.com/company/wallife) Wallife is an insurtech startup based in Rome, Italy, founded in 2020 and operational since 2022. Italy $12M - [**Optalitix**](https://millionrounds.com/company/optalitix) Optalitix is a London-based software provider that specializes in a low-code/no-code cloud platform designed for digitizing pricin United Kingdom $6.6M - [**Insoore**](https://millionrounds.com/company/insoore) Insoore is an Insurtech company based in Rome, Italy, that connects insurance and fleet management companies with a network of exp Italy $6.0M ### Small business cover 12 startups · $224M raised - [**Artificial Labs**](https://millionrounds.com/company/artificial-labs) Artificial Labs is a London-based technology company specializing in algorithmic underwriting, digital broking, and placement soft United Kingdom $73M - [**Cytora**](https://millionrounds.com/company/cytora) Cytora is a configurable platform that enables commercial insurers to create digital workflows by digitising, evaluating and routing risks. United Kingdom $45M - [**Konsileo**](https://millionrounds.com/company/konsileo) Konsileo is a UK-based commercial insurance broker and risk management adviser that leverages technology to enhance the insurance United Kingdom $26M - [**Concirrus**](https://millionrounds.com/company/concirrus) Concirrus is an AI-native underwriting platform based in London, England, founded in 2011. United Kingdom $22M - [**Broker Insights**](https://millionrounds.com/company/broker-insights) Broker Insights is an insurtech company that enhances the global commercial insurance industry through data-driven decision-making. United Kingdom $22M - [**Insify**](https://millionrounds.com/company/insify) Insify is an insurance company that offers digital insurance solutions to freelancers and small businesses. Netherlands $19M - [**Nimbla**](https://millionrounds.com/company/nimbla) Nimbla is a London-based fintech company founded in 2016, specializing in a digital insurance platform that protects small and med United Kingdom $7.0M - [**Jove Insurance**](https://millionrounds.com/company/jove-insurance) Jove Insurance is a London-based insurtech company founded in 2020 that specializes in borderless, subscription-based business insurance. United Kingdom $4.5M ### Car and mobility 11 startups · $258M raised - [**Prima.it**](https://millionrounds.com/company/prima-it) Prima.it is an insurance agency that provides car, motorcycle, and home insurance services. Italy $116M - [**By Miles**](https://millionrounds.com/company/by-miles) By Miles is reinventing car insurance - pay an annual cost to cover your car while it's parked, then pay by the miles you drive each month. United Kingdom $25M - [**Trasti**](https://millionrounds.com/company/trasti) Trasti is a car insurance agency that offers vehicle purchase, sales, towing, and glass insurance services. Poland $25M - [**Way**](https://millionrounds.com/company/way) Way is an all-in-one car ownership platform, offering everything from parking to charging. Finland $23M - [**Cuvva**](https://millionrounds.com/company/cuvva) Cuvva is a UK-based insurtech company founded in 2014 by Freddy Macnamara. United Kingdom $20M - [**Tuio**](https://millionrounds.com/company/tuio) TUIO is an automotive company that specializes in car subscription services. Spain $17M - [**Caura**](https://millionrounds.com/company/caura) Caura is a London-based technology company founded in 2018, specializing in vehicle administration management. United Kingdom $9.6M - [**Bdeo**](https://millionrounds.com/company/bdeo) Bdeo is a Spanish insurtech company founded in 2017, specializing in Visual Intelligence technology. Spain $9.3M ### Home and property 8 startups · $660M raised - [**Fidelis Insurance**](https://millionrounds.com/company/fidelis-insurance) Fidelis Insurance is a property and casualty (re)insurance start up. United Kingdom $400M - [**Zego**](https://millionrounds.com/company/zego) Zego is a property management automation company founded in 2003 and is now a subsidiary of Global Payments. United Kingdom $150M - [**hyperexponential**](https://millionrounds.com/company/hyperexponential) hyperexponential is a London-based financial software company founded in 2017, focusing on pricing decision intelligence (PDI) for United Kingdom $87M - [**GarantMe**](https://millionrounds.com/company/garantme) GarantMe enables renters to apply online and get a certified guarantor guarantee to lease housing in France. France $16M - [**Estaly**](https://millionrounds.com/company/estaly) Estaly is a French tech-enabled insurance startup founded in 2022 by Mathis Batoul, Youssef Kanouni, and Karim Mezzour. France $3.9M - [**SmartGarant**](https://millionrounds.com/company/smartgarant) SmartGarant is a French proptech and fintech startup founded in 2019, headquartered in Paris. France $1.1M - [**Okify**](https://millionrounds.com/company/okify) Okify is a platform that simplifies and improves the home change process for renters, real estate professionals, and homeowners. Spain $1.1M - [**Quota Rent**](https://millionrounds.com/company/quota-rent) Quota Rent is a Madrid-based PropTech startup founded in 2021 that focuses on enhancing the rental housing process through an AI-d Spain $485K ### Embedded insurance 7 startups · $68M raised - [**Wrisk**](https://millionrounds.com/company/wrisk) Wrisk is a London-based insurtech company founded in 2016, specializing in embedded insurance technology for the automotive OEM sector. United Kingdom $24M - [**Hepster**](https://millionrounds.com/company/hepster) Hepster is an InsurTech company that focuses on the insurance sector. Germany $21M - [**Alicia Insurance**](https://millionrounds.com/company/alicia-insurance) Alicia Insurance, based in Rotterdam, Netherlands, is an insurtech scale-up founded in 2019. Netherlands $7.4M - [**Elma**](https://millionrounds.com/company/elma) Elma Electronic is a global leader in embedded computing solutions and electronic enclosures, founded in 1986 in Wetzikon, Switzerland. Spain $6.6M - [**bsurance**](https://millionrounds.com/company/bsurance) bsurance is a Vienna-based InsurTech company founded in 2017, specializing in an embedded insurance platform. Austria $4.6M - [**Loxa**](https://millionrounds.com/company/loxa) Loxa is a London-based insurtech company founded in 2023, originally named Bolt Cover. United Kingdom $3.6M - [**Embri**](https://millionrounds.com/company/embri) Embri is an Insurtech platform providing integrated and embedded insurance solutions to the high-end luxury retail sector. United Kingdom $410K ### Parametric and climate cover 6 startups · $160M raised - [**Ethos**](https://millionrounds.com/company/ethos) Ethos ESG, now part of ACA Group, specializes in data and analysis services that assess the impact of companies and funds on vario United Kingdom $143M - [**Renew Risk**](https://millionrounds.com/company/renew-risk) Renew Risk is a London-based InsurTech and FinTech company founded in 2021. United Kingdom $7.1M - [**7Analytics**](https://millionrounds.com/company/7analytics) 7Analytics is a Norwegian climate-tech startup founded in 2017, focused on developing high-precision artificial intelligence model Norway $4.3M - [**Celest Science**](https://millionrounds.com/company/celest-science) Celest.Science is a climate tech startup based in Montpellier and Paris, founded in March 2023. France $2.3M - [**Meteo Protect**](https://millionrounds.com/company/meteo-protect) Meteo Protect is an insurance underwriting and technology company specializing in parametric insurance. France $1.5M - [**Mitigrate**](https://millionrounds.com/company/mitigrate) Mitigrate is an Oslo-based ClimateTech and InsurTech SaaS company founded in 2021. Norway $1.3M **How this map is made.** Every startup here has raised money in rounds we track, and is based in Europe. It joins the map when its sectors, read from its rounds, or the opening of its own description say it works in insurtech, and goes to the first segment whose words it carries. Each segment shows its best-funded first. Rebuilt nightly; updated 15 November 2026. ## More market maps [All maps](https://millionrounds.com/market-maps) [Market map **Insurtech market map** 261 startups · 8 segments · $18B](https://millionrounds.com/market-maps/insurtech-market-map)[Investors map **Who invests in insurtech** 134 investors · 5 segments](https://millionrounds.com/market-maps/insurtech-investors-map)[Market map · United States **Insurtech market map: United States** 129 startups · 6 segments · $14B](https://millionrounds.com/market-maps/insurtech-united-states-market-map)[New wave **New insurtech startups, founded 2020 on** 80 startups · 7 segments · $2.1B](https://millionrounds.com/market-maps/new-insurtech-startups-market-map)[Raised in 2026 **Insurtech startups that raised in 2026** 47 startups · 6 segments · $4.8B](https://millionrounds.com/market-maps/insurtech-raised-2026-market-map)[Market map · United Kingdom **Insurtech market map: United Kingdom** 39 startups · 6 segments · $1.4B](https://millionrounds.com/market-maps/insurtech-united-kingdom-market-map) ## Who backs insurtech? 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