White paper
Most insurance partnerships go live. Few are built to grow.
Download now
Legal services

Insurance & compliance by design across Europe & the UK

We help you design, launch and manage insurance programs at scale, bringing legal, regulatory and operational requirements into every stage.
Get in touch
Data & analytics
Real-time dashboard
Customer care & claims
24/7
support
14
languages
Dedicated partner
success team
Legal & insurance experts
Check-ins, workshops
& more
Get the most out
of your program
B2B dashboard showing performance of insurance program for businesses

Regulatory peace of mind from day one

Insurance and compliance are built into your program from the start.

Our legal, insurance and compliance experts translate country-, product- and carrier-specific requirements into product design, customer journeys, policy documents and platform configuration.

We help you map regulatory and carrier requirements, configure your platform for local distribution, payment and disclosure rules, and prepare the right controls and documentation needed for each market.

We also monitor regulatory change over time, assess the impact on your program and put the right updates into practice.

What companies should know about insurance regulation

Licencing across Europe & the UK

How do we do what we do – legally, that is?

Qover is licensed and registered under the Belgian authority and provides its regulated services under the Freedom of Services, which allows us to operate in all EEA countries – we carry out insurance distribution activities on behalf of insurance companies across 32 countries in Europe.

We provide services to the UK market through our local branch, which is authorised and regulated by the Financial Conduct Authority.

Our legal status allows us to work with a diverse set of insurance partnerships, from natively embedded master policies to add-on insurance through business introducers and ancillaries.

For companies that would like to get their own insurance licence, our network of legal and regulatory experts can help advise you as part of our licence-in-a-box program.
Learn more about Qover’s governance & compliance
B2B dashboard showing performance of insurance program for businesses

Risk carrier sourcing & management

We can source the risk for your program from our trusted network of 15+ partners, or we can work with your preferred insurer.

Either way, we help coordinate the operating model across the insurer, distributor and other delegated parties. Before launch, we help define responsibilities, escalation routes and reporting obligations so everyone knows how the program should run.

Our quality controls then support consistent delivery – keeping documentation and data trails complete, and providing the evidence needed for carrier oversight and regulatory reviews.

We assess your program regularly and recommend practical improvements based on what the data shows, whether it's changes to coverage, customer flows, operations or costs.

Check out our insurer network

Policy co-creation & advising

Co-create insurance products that work for your customers.

We help you design coverage that fits your customers, your distribution model and the risk carrier – with legal and compliance considerations built in from day one.

Our product, insurance and legal experts help shape the program early, bringing coverage, distribution, risk and local regulatory requirements into the design.

We then support the policy documents and customer communications needed for each market, including insurance product information documents (IPIDs), localised terms and conditions, policy schedules and customer FAQs.
See an example

How we co-create insurance products

Scenario 1
You’re creating an insurance program from scratch

If you’re offering insurance for the first time, we can co-manufacture a product tailored to your customer base, distribution model and target markets.

As your insurance advisor, we help translate your business objectives into a compliant program, from product structure and risk-carrier selection to customer journeys, documentation and operating responsibilities.

Scenario 2
You have an insurance program in place

If you’re looking to improve your insurance offering or switch risk carriers, we can help.

We review your current program, assess the market and match the right insurer to your coverage, distribution model and objectives.

We can also review customer journeys, claims and support operations, reporting and program performance, then recommend practical changes based on what the data shows.

Scenario 3
You’re expanding to a new product or country

We work across borders to keep your customer experience consistent while adapting your program to local markets.

That includes country-specific product design, distribution requirements, customer journeys and translated documentation, including terms and conditions, across products and insurers.

Product features tailored for you

API & integration
Easily embed insurance into your UX using our custom APIs, powering global cover through a single integration.
Learn more
Claims management
Benefit from AI-powered claims handling for faster processing, quick payouts and an intuitive user experience without losing our human touch.
Learn more
Insurance solutions
Explore a range of embedded insurance solutions that suit the needs of your business and customers.
Learn more
Configuration
Have any insurance setup configured in our platform, for any product, country and insurer.
Learn more
Risk carrier setup
Choose from our network of risk carriers or opt for a modular setup that works with your current one, with the flexibility to switch providers for the best cover, price and service.
Learn more
Data, dashboards & reports
Track your program's performance with a dynamic dashboard and gain insights into how to get the most out of your insurance solutions.
Learn more
Customer care
Ensure high-quality, multilingual customer service that lives up to your brand.
Learn more
User experiences
Integrate user flows directly into your app or website for a seamless experience across countries and products.
Learn more

Leading companies powered by Qover

"Having real-time claims and performance data at our fingertips has completely changed the way we work with insurers and underwriters. It gives us credibility, improves decision-making and allows us to be more proactive. Qover is dragging insurance into the 21st century."
Paul Watson
Business Development and Insurance Broking Manager at Aspire Insurance Advisers
Read story
"Qover’s understanding of the complex needs of a full-growth FinTech, its deep insurance and technology expertise, and its agile and collaborative approach are uniquely complementary to how we work at Revolut. Qover is one of the only players capable of providing us with a global solution."
Nikolay Storonsky
CEO & Co-founder of
Read story
“Our members have noticed the difference since we partnered with Qover. Insurance is no longer just an add-on – it’s a seamless, valuable perk that fits effortlessly into our members' travel experience.”
MC Glover
VP Strategy and Operations at
Read story
"Having real-time claims and performance data at our fingertips has completely changed the way we work with insurers and underwriters. It gives us credibility, improves decision-making and allows us to be more proactive. Qover is dragging insurance into the 21st century."
Paul Watson
Business Development and Insurance Broking Manager at Aspire Insurance Advisers
Read story
"Qover’s understanding of the complex needs of a full-growth FinTech, its deep insurance and technology expertise, and its agile and collaborative approach are uniquely complementary to how we work at Revolut. Qover is one of the only players capable of providing us with a global solution."
Nikolay Storonsky
CEO & Co-founder of
Read story
“Our members have noticed the difference since we partnered with Qover. Insurance is no longer just an add-on – it’s a seamless, valuable perk that fits effortlessly into our members' travel experience.”
MC Glover
VP Strategy and Operations at
Read story

Talk to us
Are you a consumer needing support or wanting to file a claim?
We can help you over here
   
   
Thanks for your message! Our team will get back to you soon.