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In a nutshell
- Qover marked its 10th anniversary with a summit at Mont des Arts in Brussels, bringing senior leaders together from across Europe's embedded insurance ecosystem.
- The day covered hot topics, with candid takes across the industry: how distribution has shifted, how the insurer–insurtech relationship has matured and where the next decade of growth sits.
- From Mastercard and Revolut to ING, WTW and Helvetia, the guest list reflected 10 years of relationships we’ve built across Europe – and a shared view of what comes next.
Alex is in charge of content marketing at Qover, meaning she's obsessed with all things storytelling and tone of voice.
With more than a decade of experience in content strategy, copywriting, editing and SEO, she's worked for media companies, marketing agencies and startups across the globe.
When she's not writing or strategising, you'll likely find her in a language class (Dutch, currently), on a spin bike or diving into her latest Netflix binge.
When Qover was founded in 2016, embedded insurance barely had a name (digital insurance, insurance-as-a-service, B2B2C ultra modular on-demand insurance products and services…the jury was still out).
A decade later, we’re among the few insurtechs still standing. We've spent those 10 years building a platform, earning the trust of some of Europe's largest financial institutions and mastering the unglamorous operational realities that make embedded insurance programs actually work at scale, in full compliance.
In June, a good number of them came together at the iconic Mont des Arts in Brussels for our anniversary summit: a day of keynotes, panels and the kind of conversations that can only happen when you’ve seen the category evolve over the past decade.
Want the full story on how we got here? Qover CEO & Co-founder Quentin Colmant reflects on a decade of insurtech entrepreneurship – the bets that paid off, the ones that didn't, and what comes next – in his own words. Read the column →
The embedded insurance conversations the industry actually needs
Henri Dewaerheijd of Mastercard opened with a keynote tracing how payment cards and insurance have always been more intertwined than they appear, and where that relationship is heading next.
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Our Chief Product Officer Alix Moggia followed with a candid take of what building an embedded insurance platform at scale really looks like: European compliance-by-design, giving partners more control, and an increased focus on data and AI.
After 10 years, she argued, what separates serious embedded insurance platforms from the rest isn't ambition – it's the ability to run programs across every market and through every regulatory environment, without the cracks showing.
Together, they made the same argument from different angles: embedded insurance in Europe has reached a level of maturity, and the question now isn't whether it works – it's who's built enough to take it further.
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Qover Chief Revenue Officer Parker Crockford led the day’s first panel bringing two schools of thought into the same conversation: Frank van Wessel from ING on a decade of bancassurance evolution and Revolut’s Pavel Klimovskij from the digital-native side.
They covered how distribution has shifted, what both models got right and wrong and what the category still needs to solve – from the claims experience through to where insurance sits in a financial super-app a decade from now.
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The second panel, led by Qover's Head of Partnerships Jonas Von Oldenskiöld, went into the parts of embedded insurance that rarely surface in standard conference programming: governance and product control, claims operations, cross-border compliance and what separates the partnerships that have genuinely worked from those that only looked good on paper.
Nick McCowan from WTW, Mike Essam from Cover-More and Stephanie Andersen from Helvetia were candid about how the relationship between traditional carriers and insurtechs has genuinely matured – but it takes years of consistent work, and the right partner on both sides, to get there.
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Go deeper on the operational side of 10 years of embedded insurance. Qover COO Ed Ackerman, CPO Alix Moggia and General Counsel Caroline Hanotiau share the lessons – and crises – that shaped how Qover builds today. Read the webinar recap →
A decade of European insurance relationships in one room
The guest list spanned both ends of the embedded insurance chain – distributors like Revolut, TUI, Mastercard and ING, alongside carriers and brokers including WTW, AIG, Chubb and more.
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Companies from across Europe and sectors came together for a rare opportunity to network and learn from one another. After all, it’s not often that risk carriers get to hear directly from distributors and vice versa.
Ultimately, we came away with a shared interest in the future of embedded insurance, and the end goal of making sure it serves policyholders.
Ten years is only the beginning
An unexpected highlight from the day came from Vincent Vanasch – three-time World Best Field Hockey Goalkeeper and Olympic Gold medallist. His talk on what it takes to build a winning team is not unlike building a business, and his message resonated with a room full of people who know what playing the long game feels like.
It’s all about relentless belief, teamwork and celebrating the wins when you finally get there.
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Reaching a decade as an insurtech is genuinely rare. The ones still here have built something that compounds over time: trust, depth of relationships and a track record that speaks for itself.
Today, Qover's platform protects 15 million people across 32 countries, with total funding raised to over $100 million – most recently a $12M growth capital extension from CIBC Innovation Banking that reflects confidence in where the next decade is headed.
Our partners came to Brussels not because they had to, but because they wanted to be part of this conversation. The evening that followed went well past midnight – the entire Qover team and partners side by side, with no agenda beyond celebrating 10 years of building something together.
The next 10 start now.
What does the next chapter of embedded insurance look like for your business? Get in touch with our team or explore Qover's platform.
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