Clark

What Clark does

CLARK is a Berlin-headquartered digital insurance broker founded in 2015 that operates a mobile-first platform connecting individual consumers with insurance products from over 180 providers across Germany, Switzerland, the UK, and France. The company reports over 700,000 customers in Germany and more than 2 million across Europe, supported by 501-1000 employees including over 200 licensed insurance experts who provide free advisory via chat, phone, and video.

The core product is the CLARK App (iOS and Android), which functions as a digital insurance manager. Underlying technology includes a proprietary "Power Algorithm" that analyzes existing insurance contracts in seconds and generates personalized optimization recommendations, combined with AI/ML-based tariff evaluation and an automated switching service (Wechselservice) that compares thousands of tariffs and handles policy changes end-to-end. The platform supports major insurance categories including private health insurance (PKV), occupational disability (BU), retirement planning, legal protection, pet insurance, property, and liability coverage. CLARK maintains over 1 million app downloads and a 4.5/5 Trustpilot rating from 3,276+ reviews.

CLARK operates a freemium business model where all customer-facing services, including app usage, advisory consultations, and policy placements, are free to end users. Revenue is generated through standard broker commissions and portfolio-based (bestandsprovisionsbasierte) commissions from the 180+ insurance providers, consistent with traditional German insurance broker economics. Distribution is product-led through the mobile app and clark.de website, supplemented by content marketing (COVERED magazine), a referral program (€50 per qualified referral), and creative brand campaigns. The company has pursued growth through acquisitions, including UB Partner (Switzerland, December 2022), Anorak (UK, January 2023), and finanzen Group (November 2021), and has formed recent strategic partnerships with Hypoport InsurTech (December 2025) and verticus (August 2025). The parent entity is CLARK Holding SE, a privately held European Company (Societas Europaea) that has raised approximately $133 million in disclosed venture funding across multiple rounds, with a $84 million Series C led by Tencent in January 2021.

Name

Clark

Legal name

CLARK Holding SE

Website

https://clark.de

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

CLARK is a Berlin-based digital insurance broker operating a mobile-first platform that connects over 2 million European consumers with insurance products from 180+ providers, earning revenue through broker commissions while offering free advisory and AI-powered contract optimization to individual customers.

Ownership category

akta.pro rank

Product category

Digital Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

Keywords

• Digital insurance broker
• Insurance comparison platform
• Mobile insurance management
• Insurance advisory services
• Personal insurance optimization

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Insurance Broker and Portfolio Commissions: CLARK earns revenue through standard broker commissions and portfolio-based (bestandsprovisionsbasierte) commissions from insurance providers, consistent with how traditional insurance brokers operate in Germany. As a licensed insurance broker, CLARK receives commissions for policies placed and ongoing renewals. The company's scale allows it to negotiate particularly advantageous tariffs with insurers, which benefits customers and reinforces retention.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Clark operates a mobile app-based digital insurance manager that helps individual consumers in Germany compare, purchase, manage, and optimize insurance contracts from over 180 insurance providers. The platform uses a proprietary AI/ML-powered algorithm to analyze existing policies and recommend better coverage or pricing, with free advisory support from more than 200 licensed insurance experts available via chat, phone, or video.

Product overview

CLARK is a digital insurance manager offering a unified mobile app platform for managing all insurance needs. The core product is the CLARK App, which serves as a digital broker connecting users with over 180 insurance providers. The product portfolio includes core insurance categories: health insurance (Private Krankenversicherung/PKV), occupational disability insurance (Berufsunfähigkeitsversicherung), retirement planning (Private Altersvorsorge including Rürup-Rente, Riester-Rente), legal protection insurance, and pet insurance (dog and cat health insurance). Users benefit from AI-powered tariff analysis, automatic switching services, and free expert consultation. The company operates under different brands regionally, with CLARK Deutschland serving the German market.

Differentiator

Problem solved

Functional benefit

Products and services

• CLARK App A digital insurance manager mobile application (iOS/Android) that provides a complete overview of all insurance policies, enables 24/7 contract management, performs smart contract analysis using a proprietary Power Algorithm, and connects users with independent licensed insurance experts for free consultation. The app supports comparison, purchase, cancellation, and optimization of insurance contracts from over 180 providers across health, property, life, liability, legal, and pet categories.
• Berufsunfähigkeitsversicherung (BU) Occupational disability insurance that provides monthly payments if the insured person can no longer perform their current profession due to health reasons for at least 6 months. CLARK offers free legal protection insurance from ROLAND Rechtsschutz (up to €50,000 per case with €300 deductible) with BU policies, covering disputes with the BU insurer for 10 years or until age 50.
• Private Krankenversicherung (PKV) Private health insurance offering individually selectable benefits including private room choices, specialist physician treatment, and comprehensive dental coverage. Available starting from €259.84 per month for employees (employer contribution already deducted), with example profile of 30-year-old single room coverage, no deductible. Also includes Beihilfeergänzungstarife for civil servants.
• Private Altersvorsorge Private retirement planning products including Rürup-Rente (basis pension), Riester-Rente (state-subsidized pension), private pension insurance, and occupational pension schemes (betriebliche Altersvorsorge) to help close the pension gap. Targeted at German consumers including employees, self-employed, and civil servants.
• Hundekrankenversicherung (Dog Health Insurance) Dog health insurance covering veterinary costs including operations, ambulant treatments, preventive care, medications, and hospital stays. OP protection (surgery only) starts at €7.60/month, with full coverage ranging from €26–107/month depending on dog breed, age, and coverage level.
• Katzenkrankenversicherung (Cat Health Insurance) Cat health insurance covering veterinary costs including surgeries, medications, preventive care, and alternative treatments. OP protection (surgery only) starts at €8.90/month, with full coverage ranging from €18.90–76.73/month depending on cat breed, age, and coverage level.
• Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance covering attorney and court costs for legal disputes. Available modules include traffic law, landlord law, private law, and employment law protection. Basic private legal protection starts at approximately €100/year. Family tariff with €150 deductible for combined private and traffic legal protection is €23.55/month (€266.62/year), with premium protection at €32.35/month (€366.17/year).

Quantifiable outcome

• Over 700,000 customers in Germany and 2 million+ across Europe
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Hypoport InsurTechcoreStrategic or Co-development Partner · 3 December 2025CLARK and Hypoport InsurTech entered into a strategic partnership, announced on December 3, 2025. The partnership aims to deepen digital insurance distribution and product integration between the two companies.
• verticuscoreStrategic or Co-development Partner · 25 August 2025CLARK and verticus expanded their strategic partnership, building on an existing relationship. The extended partnership was announced on August 25, 2025, and likely involves deeper integration of verticus services into the CLARK platform.
• ROLAND Rechtsschutz-Versicherungs-AGminorGTM or Marketing PartnerCLARK offers a bundled product with ROLAND Rechtsschutz, providing free legal protection insurance (valued at up to €50,000 per case with €300 deductible) to customers who purchase a Berufsunfähigkeitsversicherung (BU) through CLARK. The legal protection covers disputes with the BU insurer over benefit claims for 10 years or until age 50.
• 180+ Insurance ProviderscoreChannel Partner/ Reseller/ DistributorCLARK has established broker relationships with over 180 insurance providers in Germany, enabling it to offer a broad range of insurance products across categories including health, property, life, liability, legal, and pet insurance. CLARK earns commission from these providers for policies placed through its platform.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Check24: Germany's leading price-comparison portal covering insurance, banking, energy, telecom, and travel. Check24 is CLARK's most direct competitor in German insurance aggregation, with substantially larger brand reach and a broader financial product surface.
• Verivox: German comparison platform for insurance, energy, and telecommunications products. Verivox competes head-to-head with CLARK in insurance comparison and benefits from an established incumbent position with similar commission-based economics.
• Getsafe: German digital insurance provider offering mobile-first insurance products. Getsafe targets the same digitally-engaged German consumer segment as CLARK but operates more as a managing general agent than a multi-carrier broker.
• Wefox: Berlin-headquartered InsurTech connecting customers with insurance products through a digital broker model. Wefox overlaps directly with CLARK in German digital insurance distribution and has raised comparable scale of venture capital.
• Policygenius: US-based digital insurance broker marketplace comparing life, disability, home, and auto insurance from multiple carriers. Policygenius is the closest US analogue to CLARK's multi-carrier comparison-and-management model.
• Selectra: France-headquartered European comparison platform operating in energy, telecom, and insurance across multiple countries. Selectra competes with CLARK in French and broader European insurance comparison markets.
• MoneySupermarket Group: UK-listed price-comparison platform providing insurance, financial, and home services comparisons. MoneySupermarket is a direct competitor to CLARK's UK operations through Anorak.

Emerging players

• Many Pets (formerly Bought By Many): UK-headquartered digital pet insurance provider, originally built as a broker-style aggregator. Many Pets overlaps with CLARK in pet insurance distribution and has a similar digital-first customer acquisition motion.

Broad incumbents

• HUK-COBURG: Germany's largest direct insurer operating the HUK24 digital channel. HUK-COBURG is both a partner (CLARK distributes its products) and a structural threat through direct distribution that bypasses brokers like CLARK.
• Allianz Direct: Digital direct-to-consumer arm of Allianz, one of CLARK's largest insurance partners. Allianz Direct represents the structural shift toward insurer-direct distribution that could compress CLARK's commission economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ClarkGermany
• Facebookfacebook.com/ClarkGermany
• LinkedInlinkedin.com/company/clark-germany

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds6 records

Investors20 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clark