Best Internet First Insurance Platforms Companies in Germany
The 129 best Internet First Insurance Platforms companies in Germany in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Ottonova.
Germany's Internet First Insurance Platforms scene is exactly what this directory maps: 129 companies, $779M in disclosed funding, ranked by capital raised and recent momentum. No unicorns yet, but the gap between the top names and the rest tells you everything about where conviction is concentrating.
Ottonova sits at $180M, Clark at $128M, Getsafe at $110M. Those three alone account for more than half the sector's total disclosed funding, which means the middle of the pack is running lean. And that's not necessarily a problem. Median app install growth is running at roughly +14% YoY across internet and insurance apps globally, so the distribution curve still has room to steepen. The global digital insurance market was valued at around $102.2B in 2020 and is forecast to reach $186.4B by 2027 at a 9.0% CAGR, driven by shifting consumer preferences and AI integration into underwriting. Security concerns remain the structural friction point you'd expect at this scale. I'd watch how the sub-$25M cohort, companies like Feather and Hepster, use that tailwind. Smaller war chests, faster iteration cycles. That's the bet Atlantic Labs and InsurTech Hub Munich appear to be making.
- ResearchAndMarkets.com
Ranked: Best Internet First Insurance Platforms companies in Germany
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Ottonova Health insurance provider for the patients and employees | $180M | 45 mo ago | 24 | Sebastian Scheerer Co-Founder & CDO | SentryApple iCloud MailYouTube+22 | Top 1M | — |
| 2 | FRIDAY Provider of auto, home, liability, and travel insurance policies | $129M | 87 mo ago | 166 | Christoph Samwer Co-Founder & CEO | SentryApple iCloud MailNode.js+18 | Top 5M | — |
| 3 | CLARK Provider of insurance brokerage services | $128M | 65 mo ago | — | Chris Lodde Co-Founder | CEO International | WordPress Block EditorWordPressMySQL+22 | Top 50M | — |
| 4 | Getsafe App-based on-demand insurance platform for individuals | $110M | 56 mo ago | 156 156 → 169 (+8%) | — | SanitySentryZendesk+24 | Top 5M | — |
| 5 | Simplesurance Provider of a platform for accessing insurance and related technology | $78M | 66 mo ago | 120 | Robin von Hein Founder & CEO | WordPressMySQLPHP+18 | Top 10M | — |
| 6 | Coya Online platform that provides usage-based insurances 16Funding top 42%Tech bottom 43%Global bottom 39%Market bottom 36% All 5 signals ▾Fundingtop 42% Techbottom 43% Globalbottom 39% Marketbottom 36% Growthbottom 25% Funding: Raised $40.0M across 2 rounds · 2 rounds over 9 yrs (0.2/yr) Tech: 7 technologies across 3/8 capability areas · Cloud: Cloudflare, Heroku rank vs industry peers · Fliar Intelligence Index 16/100 | $40M | 96 mo ago | 54 | — | — | — | — |
| 7 | Hepster Online insurance platform for individuals and businesses | $21M | 35 mo ago | 36 | Hanna Bachmann Co-Founder | PrismicApple iCloud MailMicrosoft 365+20 | Top 1M | 1 partnership |
| 8 | Teraki Provides AI-enabled edge processing platform for automotive industry | $16M | 41 mo ago | 48 | — | WebflowMicrosoft 365jQuery+10 | Top 50M | — |
| 9 | Finanzchef24 Provider of comparison services for an array of business insurance products | $13M | 61 mo ago | 50 50 → 29 (-42%) | Vlad Barboni Co-CEO & Chief Technology Officer | Node.jsTypeScriptGraphQL+20 | Top 5M | 1 partnership |
| 10 | Joonko Internet first auto insurer 35Funding bottom 49%Talent bottom 45%Global bottom 36% All 3 signals ▾Fundingbottom 49% Talentbottom 45% Globalbottom 36% Funding: Raised $11.1M across 1 rounds · 1 rounds over 7 yrs (0.1/yr) Talent: 1 named leader on record rank vs industry peers · Fliar Intelligence Index 35/100 | $11M | 81 mo ago | — | Eric Lange Co-Founder | — | — | — |
| 11 | Feather Online platform for life and non-life insurances | $11M | 23 mo ago | 32 | — | SentryApple iCloud MailGoogle Workspace+23 | Top 1M | — |
| 12 | Schutzklick Product insurance platform for retailers and individuals | $8M | 135 mo ago | 105 | Robin von Hein Founder & CEO | WordPressMySQLPHP+16 | Top 10M | — |
| 13 | Inzmo Provider of insurance coverage for mobile phones, laptops, bicycles, and scooters 40Growth top 25%Tech top 33%Talent bottom 49%Funding bottom 46% All 9 signals ▾Growthtop 25% Techtop 33% Talentbottom 49% Fundingbottom 46% Fin. healthbottom 46% Globalbottom 45% Productbottom 40% Newsbottom 22% Marketbottom 20% Growth: Revenue +110% YoY · Web rank 10,000,000 → 50,000,000 YoY Tech: 34 technologies across 5/8 capability areas · Cloud: Amazon Web Services rank vs industry peers · Fliar Intelligence Index 40/100 | $6M | 64 mo ago | 27 | Meeri Klausen Co-Founder & Co-CEO | Node.jsReactNext.js App Router+18 | Top 10M | 1 partnership · 1 award |
| 14 | InsureQ Online insurance platform for businesses | $6M | 62 mo ago | 25 | Johannes Breulmann Co-Founder & Managing Director | — | — | — |
| 15 | SureIn App-based comparison platform for property insurance | $5M | 34 mo ago | 17 | David Schara Co-Founder & Chief Product Officer | Framer SitesVimeoReact+21 | Top 50M | 1 launch |
| 16 | Embea Provider of embedded insurance solutions | $4M | 28 mo ago | 16 | Leopold Jedina Co-Founder & COO | Google MapsReactReact Router+17 | Top 50M | — |
| 17 | Dentolo Reverse bidding curated marketplace for dental treatments | $3M | 106 mo ago | 57 | — | WebflowApple iCloud MailGoogle Workspace+22 | Top 500k | — |
| 18 | Enzo Provider of online insurance for homeowners 27Growth top 35%Tech top 44%Talent bottom 49%Funding bottom 46% All 7 signals ▾Growthtop 35% Techtop 44% Talentbottom 49% Fundingbottom 46% Productbottom 40% Globalbottom 37% Marketbottom 15% Growth: Fresh capital in last 24 mo Tech: 29 technologies across 3/8 capability areas · Cloud: Amazon Alb, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 27/100 | $2M | 8 mo ago | 10 | Marvin Follmann Co-Founder & CTO | WebflowApple iCloud MailGoogle Workspace+19 | Top 10M | — |
| 19 | Covomo Provider of comparison platform for product and specialty insurance policies | $2M | 104 mo ago | 14 14 → 13 (-7%) | — | RubyRuby on RailsEnvoy+16 | Top 10M | — |
| 20 | Getsurance Internet first insurance platform | $2M | 109 mo ago | 10 | — | Cart FunctionalityContentfulSentry+12 | Top 5M | — |
| 21 | CyberDirekt Cyber insurance for SMBs | $1M | 98 mo ago | 15 | Hanno Pingsmann Founder | — | — | 1 partnership · 1 award |
Top 12 Internet First Insurance Platforms companies in Germany
#1
Seed · Heidelberg, Baden-wurttemberg · founded 2021 · 10 employees$2.5Mraised▾
Provider of online insurance for homeowners. It offers technology to detect damages and optimizes the loss ratio on policies and offers proactive preventive services, for homeowners to prevent unwanted incidents.
- Oct 2025Seed$4.7M
- Jul 2024Seed$2.5M
#2
Series A · Berlin, Berlin · founded 2018 · 32 employees$10.6Mraised▾
Online platform for life and non-life insurances. It offers coverage for personal liability insurance, household contents insurance, life insurance, and health insurance. It also offers recommendation tools for users to find policies and prices based on the requirements.
- Jun 2024Series A$6.4M
- Apr 2022Seed$4.2M
#3
Public · Munich, Bavaria · founded 2015 · 24 employees$180.4Mraised▾
Ottonova provides health insurance for individuals and employees. The company develops an application platform that helps the users to register and access the clinic insurance coverage plans for medical services. They offer concierge services like doctor consultations, treatment plans, medical data storage, prescription management, and more. It also offers a health and fitness policy management app to its customers. It serves self-employed, employees, civil servants, and beneficiaries with full services based on their coverage plans.
- Sep 2022Series F$34M
- Aug 2021Series E$47.4M
- Nov 2019Series D$66.1M
- Jun 2017Series C$11.2M
#4
Series B · Heidelberg, Baden-wurttemberg · founded 2015 · 156 employees$110Mraised▾
Getsafe provides an app-based on-demand insurance platform for individuals. It offers quotes for dental insurance, content insurance and liability insurance. It offers coverage for property damage, dental checkup & replacement, drone liability, home content, etc. It enables users to buy insurance online, manage policies, and report damages. The app is available for Android and IOS platforms.
- Oct 2021Series B$63M
- Dec 2020Series B$30M
- Jun 2019Series A$17M
- Oct 2015Seed—
#5
Series B · Rostock, Mecklenburg Vorpommern · founded 2016 · 36 employees$21Mraised▾
Online insurance platform for individuals and businesses. It offers quotes for electronics insurance, sports equipment insurance, bicycle insurance, travel insurance, accident insurance, business insurance, and more. It allows users to manage insurance and report claims through the platform.
- Jul 2023Series B$11M
- Jul 2023Conventional Debt—
- Mar 2021Series A$10M
#6
Series C · Frankfurt Am Main, Hesse · founded 2015$127.7Mraised▾
Clark.io is an insurance broker aiming to become the fastest growing and most efficient in Europe. They specialize in breaking down the complex world of insurance through technology, marketing, operations, finance, and insurance products.
- Jan 2021Series C$84M
- Apr 2018Series B$29M
- 2017Series A—
- Aug 2016Series A$14.7M
#7
Series A · Berlin, Berlin · founded 2014 · 48 employees$16.3Mraised▾
Teraki provides an AI-enabled edge processing platform for the automotive industry. It offers embedded software that works as an enabler for current and future IoT/M2M applications. It claims that its solutions reduce the amount of data generated by sensors by up to a factor 10 without compromising its quality. The solution enables the applications to pre-process the sensor data for better decision making. It embeds on one side in the CPU & RAM-constrained chipsets of cars and integrates on the other side at a customer’s backend for the storage, labelling, training, and analysis of reconstructed or reduced data.
- Jan 2023Series A—
- Dec 2019Series A$11M
- Mar 2019Seed$2.3M
- Sep 2018Seed$3M
#8
Acquired · Germany · founded 2012 · 120 employees$78.2Mraised▾
Provider of a platform for accessing insurance and related technology. The platform offers technology solutions related to insurance. It facilitates partnerships and provides general communication channels for queries. The platform aims to simplify access to insurance.
- Dec 2020Series D$18.2M
- Oct 2018Series C$11.5M
- May 2018Series C$24M
- Mar 2017Series C—
#9
Seed · Berlin, Berlin · founded 2022 · 16 employees$4.3Mraised▾
Provider of embedded insurance solutions. It allows users to integrate digital insurance products with various apps and services. It offers a suite of embedded protection products, covering families against severe life risks.
- Feb 2024Seed$4.3M
#10
Series D · Berlin, Berlin · founded 2017 · 166 employees$128.9Mraised▾
Provider of auto, home, liability, and travel insurance policies. It offers various coverage options, including car, household, and private liability protection. Travel insurance policies provide trip cancellation, medical coverage, and travel assistance. Customers can manage policies, report claims, and access support through an online account.
- Mar 2019Series D$128.9M
#11
Seed · Berlin, Berlin · founded 2021 · 17 employees$5.4Mraised▾
App-based comparison platform for property insurance. It enables users to provide information such as insurance numbers, contributions, notice periods in view, and more. Users can receive personal recommendations and advice based on the current situation.
- Aug 2023Seed$4.4M
- May 2022Seed$1M
#12
Acquired · Berlin, Berlin · founded 2016 · 54 employees$40Mraised▾
Online platform that provides usage-based insurances. It offers insurance solutions for bicycles, e-bike, dog liability, household, personal liability, and more. It offers coverage for theft, fire, storm & hail, water, and burglary & robbery. It offers customizable policies on a monthly basis.
- Jun 2018Series A$30M
- Aug 2017Seed$10M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Internet First Insurance Platforms coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.