What Trasti does

Trasti is a Polish digital-first motor insurance distributor operating under HPI GMA S.A., serving Polish vehicle owners with a portfolio centered on compulsory third-party liability (OC), auto casco (AC), and a differentiated mini-casco product (mCasco) priced from 30 PLN annually. Add-on modules extend coverage into personal accident (NNW up to 200,000 PLN), roadside assistance with European towing up to 1,100 km, tire, glass, and discount protection coverage. The company has issued over 700,000 policies and serves approximately 966,000 customers, with 57,000 claims paid out.

The underlying technology stack is a digital insurance platform featuring automated premium calculation delivering quotes within 5 seconds, fully online policy purchase, and paperless claims processing through the Bianka virtual assistant. Embedded 0% installment payments differentiate Trasti in a market where competitors typically add 10-15% for installment plans. Underwriting is conducted by Zavarovalnica Triglav (Slovenia's largest insurer) with Swiss Re providing reinsurance, which mitigates capital and claims-payment risk but means Trasti itself is principally a distribution and customer-experience layer rather than a balance-sheet carrier.

Trasti operates a hybrid go-to-market combining direct-to-consumer digital self-serve via direct.trasti.pl with an unusually large agent channel of 23,000 insurance agents and a partner workshop network of 400 sites supporting cashless claims. Revenue is generated through recurring insurance premiums across core and add-on products, with stated ambition to reach PLN 1 billion in premiums by 2029, supported by a EUR 21 million growth investment from EBRD and Zavarovalnica Triglav in November 2025. The company employs 11-50 staff across offices in Warsaw and Lublin and is regulated by the Polish Financial Supervision Authority (KNF).

Name

Trasti

Legal name

HPI GMA S.A.

Website

https://site.trasti.pl

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Trasti is a Polish digital-first motor insurance distributor serving individual vehicle owners with online OC, AC, mCasco, NNW, assistance, and add-on coverage via its website, 23,000 agents, and 400 partner workshops, with underwriting backed by Zavarovalnica Triglav and Swiss Re.

Ownership category

akta.pro rank

Product category

Motor Vehicle Insurance

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

akta.pro secondary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Motor vehicle insurance
• Digital insurance platform
• Third-party liability coverage
• Auto casco insurance
• Insurance distribution services

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Motor Insurance Premiums (OC): Core revenue from compulsory third-party liability insurance (OC) for vehicle owners in Poland. Primary product generating the majority of premiums.
2. Auto Casco (AC) Insurance: All-risk vehicle damage insurance with full compensation without hidden deductions. Sold as add-on to OC or standalone.
3. mCasco Insurance: MiniCasco product covering selected risks (elements, total loss, theft) from 30 PLN/year. Lower-cost alternative targeting vehicles valued 4,000-40,000 PLN and vehicles up to 19 years old.
4. NNW (Accident Insurance): Accident insurance for driver and passengers with coverage sums up to 200,000 PLN for small premiums.
5. Assistance Services: Roadside assistance including replacement vehicle for up to 7 days and towing up to 1,100km in Europe or unlimited in Poland variant.
6. Supplementary Coverage Add-ons: Additional products including towing from 24 PLN/year, tire coverage from 24 PLN/year, glass coverage without age limit on vehicle, and discount protection insurance.
7. City Combo (Mobility): Insurance for micro-mobility including bikes, scooters, and skateboards from 20 PLN/month.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Trasti is a Polish digital-first insurance agency that distributes motor insurance products on behalf of Zavarovalnica Triglav, including mandatory OC third-party liability, Auto Casco, the budget mCasco product, NNW personal accident cover, roadside Assistance, and micro-mobility City Combo policies. Customers can quote premiums in 5 seconds and purchase online, with 0% installment payments and paperless claims supported by the Bianka virtual assistant. Distribution is delivered through the direct.trasti.pl website, a 23,000-agent network, and 400 partner workshops across Poland.

Product overview

Trasti is a Polish digital insurance agent (InsurTech) operating as a subsidiary of HPI GMA S.A. under the Trasti brand. The company serves as the General Agent of Zavarovalnica Triglav, Slovenia's largest insurer. Trasti's product portfolio centers on motor vehicle insurance, offering a core set of products including mandatory third-party liability (OC) with free Green Card, full-risk Auto Casco, and the affordable mCasco option for older or lower-value vehicles. The offering is complemented by a suite of add-on modules covering personal accident (NNW), roadside assistance (Assistance), towing, tire protection, glass repair, no-claim discount protection, and micro-mobility (City Combo for bicycles, scooters, and skateboards). A distinguishing feature is Bianka, a virtual assistant that supports customers through the claims process digitally. Trasti distributes exclusively through digital channels (online, phone, and a network of agents) and is backed by Swiss Re reinsurance. The company has issued over 700,000 motor insurance policies and received EUR 21 million investment from EBRD and Zavarovalnica Triglav in November 2025.

Differentiator

Problem solved

Functional benefit

Products and services

• OC (Odpowiedzialność Cywilna) with Green Card Compulsory third-party liability (OC) motor insurance for vehicle owners in Poland, with a free Green Card included. Covers damages caused to third parties by the insured vehicle.
• Auto Casco All-risk Auto Casco insurance for vehicles, providing complete compensation without hidden deductions or exclusions. Sold as a standalone product or as an add-on to OC.
• mCasco (Mini Casco) Budget mini-casco insurance covering selected risks — natural elements, total loss, and theft — from 30 PLN per year. Designed for vehicles valued 4,000–40,000 PLN and up to 19 years old.
• NNW (Personal Accident) Personal accident insurance for the driver and passengers with coverage sums up to 200,000 PLN for a small premium, sold as a standalone product via the Trasti website.
• Assistance Roadside assistance providing a replacement vehicle for up to 7 days and towing coverage up to 1,100 km in Europe or unlimited within the Polish variant.
• Holowanie (Towing) Standalone towing coverage from 24 PLN per year providing support after accidents, sold through the Trasti digital channel.
• Opony (Tire Cover) Tire replacement or repair coverage for only 24 PLN per year, sold as a standalone product via the Trasti website.
• Szyby (Glass Cover) Windshield and glass replacement and repair through a network of reputable partner workshops, with no age limit on the insured vehicle.
• Ochrona zniżki (Discount Protection) Insurance that protects earned no-claim discounts at an affordable premium, activated upon the first claim with OC coverage.
• City Combo Insurance for micro-mobility vehicles including bicycles, scooters, and skateboards, priced from 20 PLN per month and sold via the dedicated mobility.trasti.pl portal.

Quantifiable outcome

• 5-second premium calculation capability
• +4 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Swiss RecoreStrategic or Co-development PartnerSwiss Re is the strategic partner and reinsurer for Trasti insurance products. One of the world's largest global reinsurers. Provides reinsurance backing that guarantees claims payment certainty alongside Triglav.
• Zavarovalnica Triglav (Insurer)coreStrategic or Co-development PartnerZavarovalnica Triglav is the insurer standing behind the Trasti brand. One of the largest insurance companies in Southern Europe, headquartered in Ljubljana, Slovenia, listed on Ljubljana Stock Exchange.
• MoovenominorGTM or Marketing PartnerMooveno is a promotion partner providing vouchers for professional car washing services valued at 350 PLN to Trasti customers who renew their policies. Access to over 800 professional certified hand-wash facilities in Poland - largest such network in Europe. Promotion called 'Odnów polisę i odnów furę' (Renew policy and get your car cleaned).
• KNF (Komisja Nadzoru Finansowego)coreOthersPolish Financial Supervision Authority regulates Trasti's operations in Poland. Company is verified and regulated by KNF under Polish insurance and distribution laws.
• Ubezpieczeniowy Fundusz Gwarancyjny (UFG)minorOthersInsurance Guarantee Fund - Trasti is a member and cooperates with this insurance market institution.
• Polskie Biuro Ubezpieczeń Komunikacyjnych (PBUK)minorOthersPolish Motor Insurers' Bureau - Trasti is a member and cooperates with this insurance market institution.
• Insurance Supervision Agency (AZN)minorOthersSlovenian Insurance Supervision Agency that supervises Zavarovalnica Triglav as the insurer headquartered in Ljubljana.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Link4: Polish digital auto insurer offering OC, AC, and home insurance directly to consumers. Comparable to Trasti as a digitally native motor insurance competitor in the same Polish market with similar product focus and distribution mix.
• mubi.pl: Polish online auto insurance broker offering instant OC quotes with comparison across multiple carriers. Directly comparable to Trasti as a digital-first motor insurance distribution platform targeting Polish consumers.
• Beesafe: Polish Insurtech offering digital auto insurance (OC/AC) with an embedded mobile experience. Comparable to Trasti as a digital-first motor insurer competing on UX and price in the Polish market.
• Rankomat.pl: Leading Polish insurance comparison platform providing OC, AC, and life quotes from multiple carriers. Highly comparable to Trasti as a price-comparison-driven insurance distribution channel in Poland.
• Benefia: Polish digital insurance intermediary offering OC, AC, and other personal lines online with multi-carrier comparison. Comparable to Trasti as a digital-first Polish insurance distributor with similar customer targeting.

Emerging players

• Lemonade: US/European digital-native insurance company using AI-driven underwriting and digital claims. Comparable to Trasti as a digital-first insurtech applying behavioural economics and embedded finance, though Lemonade operates across multiple lines and geographies.

Broad incumbents

• PZU: Poland's largest insurance group with dominant share in OC/AC and a broad product portfolio. Comparable to Trasti as the dominant incumbent against which Trasti is gaining digital-led share in Polish motor insurance.
• Warta: Major Polish insurance group offering OC, AC, property, and life insurance through traditional and digital channels. Comparable to Trasti as one of the entrenched Polish auto insurance competitors.
• Allianz Polska: Major global insurer's Polish operation offering motor, property, and life insurance. Comparable to Trasti as one of the established international players Trasti is disrupting in the Polish OC/AC market.

Regional players

• HDI: Regional auto insurance provider in Poland with digital sales channels. Comparable to Trasti as a competing Polish motor insurer, though with a more traditional distribution legacy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/trasti
• Facebookfacebook.com/profile.php

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds4 records

Investors4 records

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

M&A

Investments

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

Frequently asked questions about Trasti