Inzura
Inzura (trading name of ZixtyGo Ltd.) is a UK InsurTech, founded 2015, that sells a cloud-based white-label digital insurance platform — covering AI-driven onboarding (iApprove), smartphone telematics (Drive), and dashcam-based automatic FNOL — to insurers, brokers and financial institutions in the UK, Europe and Asia.
- Company typePrivate
- Founded2015
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Inzura does
Inzura (trading name of ZixtyGo Ltd., Company Number GB 14119243) is a UK-based InsurTech founded in December 2015 by Richard Jelbert (CEO) and Ian McWilliams (COO). The company sells a cloud-based digital insurance delivery platform — the Inzura Digital Insurance Platform — hosted on AWS and engineered around Python, C++, Django, RabbitMQ, Postgres/GIS, Vue, and a data-analysis stack spanning Spark, Hadoop, TensorFlow, Keras, Pandas and R. On top of the platform sit white-label native iOS and Android apps (Inzura iApprove for AI-driven onboarding and document verification, Inzura Drive for smartphone telematics supporting PHYD/PAYD/TBYB, Inzura DashCam for white-label dashcam with automatic video FNOL, plus Inzura Validate and Inzura Notify add-on modules), and an APIs-and-SDKs surface (Telematics, Odometer, Carbon Offset, Document, Eco Driver Coach) that customers can embed in their own apps. Computer-vision models (odometer reading at ~97% accuracy), OCR pipelines for UK documents, fraud-detection AI, driver scoring, and a ChatGPT-based Eco Driver Coach are backed by the in-house JEL9000 Raspberry Pi 4 cluster supercomputer used for ML R&D.
Inzura operates a SaaS business model, charging a recurring fee per end-user per month for the platform and apps, plus an upfront integration/customisation fee per engagement (typical 6-week go-live). iApprove is also offered on a pay-as-you-go basis from £1 per document, APIs/SDKs are priced on a contact-and-trial basis, and the DashCam product bundles Mio733 hardware (via MiTAC MDT) as a separate revenue line. The company distributes through direct enterprise sales to insurers and brokers (flagships include Kingfisher Insurance, Sompo Holdings Asia, MCE Insurance, Chubb, Ageas, Tesco Bank, Etiqa, Autoline/Prestige, 1 Answer and Fresh Insurance), via white-label/OEM delivery under customer brands, via app stores for end-user white-label apps, and via an API/SDK developer channel.
Geographically Inzura is headquartered in London, with regional offices opened in Singapore (regional hub) and Bangkok/Thailand in October 2019 — supported by MOUs with TQM, Ouch!, Merimen and Viriyah — and active customer or partner relationships across the UK, Singapore, Thailand, Indonesia, Malaysia and Ireland. The company has raised a seed round in early 2018 and a £1m pre-A round in June 2019 from insurance-industry angels, and operates with a small team of 1-10 employees supplemented by a network of senior advisors and regional hires.
Inzura firmographics
Firmographics- Name
- Inzura
- Legal name
- ZixtyGo Limited
- Website
- https://inzura.ai
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Inzura (trading name of ZixtyGo Ltd.) is a UK InsurTech, founded 2015, that sells a cloud-based white-label digital insurance platform — covering AI-driven onboarding (iApprove), smartphone telematics (Drive), and dashcam-based automatic FNOL — to insurers, brokers and financial institutions in the UK, Europe and Asia.
- Ownership category
- akta.pro rank
Inzura industry classification
Industry- Product category
- InsurTech software / Digital insurance platform
- NAICS
- Insurance Agencies and Brokerages (524210), Custom Computer Programming Services (541511), Computer Systems Design Services (541512)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Vision Benefit Administration (VBA) / Vision TPA (ASO) (HLAEAJAI)
- akta.pro secondary industries
- Telematics & Usage-Based Insurance (UBI) Platforms (FSAGAGAF), Video Telematics, ADAS & AI Dashcams (TLAEAFAG), Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK)
Keywords
Where Inzura is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Inzura business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS subscription (per end-user, per month): Inzura is a software-as-a-service company that charges a recurring fee on a per end-user per month basis for use of its digital insurance platform and apps (Inzura Drive, iApprove, DashCam, etc.). Recurring SaaS revenue is the core model.
- Up-front integration and customisation fees: Inzura charges an up-front integration and customisation fee at the start of each engagement, sized according to project scope and complexity (e.g., typical delivery of a fully working customised product in about 6 weeks). One-time services revenue alongside recurring SaaS.
- Pay-as-you-go per document (iApprove): For the iApprove onboarding service, Inzura offers a simple pay-as-you-go model with no up-front fees and no monthly minimums, charging per document from as little as £1.
- API / SDK usage-based pricing: Inzura offers its APIs and SDKs (Telematics, Odometer, Carbon Offset, Document, Eco Driver Coach, plus app SDKs) for trial access and pricing, enabling customers to embed individual capabilities and effectively monetising on a per-call or per-use basis for embedded use cases.
- DashCam hardware resale: Inzura's white-label DashCam product bundles a Mio733 high-quality camera unit together with the Inzura-branded app and platform, creating a hardware-inclusive revenue line alongside the recurring SaaS subscription.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | SaaS — per end-user per month + up-front integration/customisation fee |
| Transaction based/ take rate | Pay-as-you-go | iApprove — pay-as-you-go per document |
| Usage-based | Pay-as-you-go | API & SDK licensing — contact for trial access and pricing |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels8 records
Inzura product offering
Product offeringCore offering
Inzura builds and licenses a cloud-based digital insurance platform that insurers, brokers and financial institutions use to launch white-label smartphone apps for policy onboarding and document validation (iApprove), app-based telematics and Pay-How-You-Drive motor products (Inzura Drive), and integrated white-label dashcams with automatic video First Notification of Loss (Inzura DashCam). The same capabilities are also exposed via Telematics, Odometer, Carbon Offset, Document and Eco Driver Coach APIs and matching SDKs for embedding into customers' own apps.
Product overview
Inzura sells a platform-plus-modules architecture centred on its core Inzura Digital Insurance Platform, a cloud-based product delivery engine (hosted on AWS) that operates under an Engage, Analyse, Evolve customer engagement model. On top of that platform sit the company's white-label native apps and products: Inzura iApprove (automated policy onboarding and document verification, successor to InzuraGo), Inzura Drive (app-based telematics for PHYD / PAYD / TBYB insurance), Inzura DashCam (white-label dashcam with automatic video FNOL, built with MiTAC MDT's Mio733 camera), plus the supporting add-on modules Inzura Validate (document/vehicle validation) and Inzura Notify (accident reporting and claims notification). All of these capabilities are also exposed externally through Inzura's APIs and SDKs (Telematics, Odometer, Carbon Offset, Document, Eco Driver Coach APIs, and matching Telematics, Photo capture and MyLicence PDF capture SDKs) so that customers can embed Inzura's AI into their own apps or integrate via machine-to-machine API. The whole proposition is delivered as a SaaS model on a per-end-user-per-month basis plus an upfront integration/customisation fee, with deployments typically completed within about 6 weeks.
Differentiator
Problem solved
Functional benefit
Brands
- Inzura iApprove: Automated customer onboarding and document verification app for brokers and insurers (also referred to as InzuraGo in earlier deployments).
- Inzura Drive
- Inzura APIs and SDKs
- Inzura DashCam
- Inzura Notify
- Inzura Validate
Products and services
- Inzura Digital Insurance Platform Cloud-based, AWS-hosted digital insurance delivery engine providing white-label native iOS and Android apps, operational infrastructure, app-based telematics / UBI, a Digital Media Vault with photo recognition powered by ML/AI, the Embed-Anywhere model (apps plus matching APIs and SDKs), embedded analytics and dashboards, and the Engage-Analyse-Evolve customer engagement framework, designed to integrate with customers' legacy core systems via open APIs and SDKs.
- Inzura iApprove AI-powered, app-based automated customer onboarding and document verification solution for brokers and insurers. Captures Driving Licence, MyLicence check, Proof of Address and No Claims Bonus documents, automatically chases them over a 14-day verification period, validates against declared policy details and the DVLA Vehicle Database and CUE Claims Database, and surfaces only the exceptions to the broker via a secure admin portal with in-app chat.
- Inzura Drive App-based smartphone telematics product, delivered as a white-label app or as embedded services via the Telematics API/SDK. Automatically records trips in the background, scores driving behaviour with AI algorithms, supports Pay How You Drive (PHYD), Pay As You Drive (PAYD) and Try Before You Buy (TBYB) motor insurance programmes, and combines the driving score with lifestyle analysis to build a gamified customer engagement profile with rewards, badges and challenges.
- Inzura DashCam White-label dashcam and telematics solution with automatic video First Notification of Loss (FNOL), built on a partnership with MiTAC Digital Technology Corporation (MDT). Bundles a Mio733 camera with a branded app that manages camera set-up and operation, records footage automatically, and uploads accident video and FNOL event to the insurer's portal with no user intervention; includes optional ADAS lane departure and forward collision warning features.
- Inzura APIs and SDKs Suite of APIs (Telematics, Odometer, Carbon Offset, Document, Eco Driver Coach) and matching App SDKs (Telematics, Photo capture, MyLicence PDF capture) that let insurers, brokers, MGAs and financial institutions embed Inzura's AI capabilities — telematics, document handling, photo processing, odometer reading, carbon offsetting and AI coaching — directly into their own apps and services, with SDK integration reported to take just a few days.
Quantifiable outcome
- 80% faster validation cycle (5.5 days) at Fresh Insurance/Kingfisher, with 85% app download rate
- +7 more outcomes
Companies that use Inzura
Customer profileNamed customers16 records
Segments5 records
Ideal customer profiles3 records
Inzura technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability11 records
Feature12 records
Inzura partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered flagship and moderate.
- 1 Answer Insuranceflagship13 January 2022 partnership to deploy Inzura's AI-powered iApprove app for policy verification across taxi, courier, minibus and private motor insurance lines as part of 1 Answer's wider digital transformation programme.
- Fresh Insurance (Kingfisher UK Holdings — Autosaint, Ladybird, First Van)flagship14 October 2020 deployment of InzuraGo AI-based policy validation app across three Kingfisher motor brands (Autosaint, Ladybird, First Van); 85% app download rate and 80% faster validation cycle reported.
- Abbey/AutolineflagshipLaunch partner for Inzura's first fully digital white-label DashCam & Telematics solution with automatic video FNOL; powers the ChilliDrive+ product delivering 20%+ Loss Ratio improvements.
- MCE InsuranceflagshipDecember 2019 partnership to deliver Inzura's market-leading white-label e-KYC smartphone app to automate customer onboarding and policy document verification at the Defaqto 5-Star rated motorcycle insurer; AI-based fraud detection and photo analysis built in.
- TQM (Thailand's largest broker)moderateMemorandum of understanding signed with Thailand's largest broker TQM as part of Inzura's 2019 Asian expansion, supporting delivery of InsurTech solutions in the Thai market.
- Ouch! (Malaysian InsurTech start-up)moderateMemorandum of understanding signed in 2019 with Malaysian InsurTech start-up Ouch! to support Inzura's South East Asian expansion.
- Merimen (Kuala Lumpur)moderateMemorandum of understanding signed with Kuala Lumpur-based Merimen as part of Inzura's 2019 Asian expansion strategy.
- Viriyah (largest insurer in South East Asia)flagshipMemorandum of understanding signed with Viriyah, described as the largest insurer in South East Asia, as part of Inzura's 2019 Asian expansion.
- MiTAC Digital Technology Corporation (MDT)flagshipPartnership with MDT of Taiwan — described as the world's largest dash cam manufacturer — to deliver Inzura's integrated Telematics and Dash Cam solution. Co-development underpins the white-label DashCam product (with Mio733 hardware) and automatic video FNOL capability.
- Kingfisher Insurance (UK Holdings)flagshipLong-term strategic partnership driving Kingfisher's multi-million-pound digital transformation programme. InzuraGo and iApprove power onboarding across Autosaint, Ladybird and First Van; future plans include telematics gamification and dashcam integration. Nick Reid (Director of Transformation) is the named executive sponsor.
- Sompo Holdings AsiaflagshipLong-term commercial agreement signed ahead of pilot phase and Sompo's original roadmap. Inzura named as Sompo's InsurTech partner of choice in Asia, with Chief Retail Officer Aditya Vardhan Tibrewala endorsing the relationship.
- Prestige Insurance Holdings / Autoline (ChilliDrive+)flagshipLong-term InsurTech partnership integrating Inzura Drive, Notify, Validate and DashCam into Autoline's award-winning ChilliDrive+ young-driver product, integrated with Autoline's SSP system and live in Ireland. Managing Director-Broking Julie Gibbons describes the relationship as a 'mutual voyage of discovery'.
- Mio (Mio733 dash cam hardware)moderateInzura DashCam white-label product bundles the Mio733 high-quality dash cam together with a branded app that manages camera set-up and automatic accident footage upload.
- HubSpot Inc.moderateHubSpot acts as a data processor for Inzura's sales and marketing, providing CRM, lead capture, newsletter tracking and cookies via legal.hubspot.com; data may be transferred outside the EEA.
- Spotlight ConsultingmoderatePR agency handling Inzura's press communications — including the Asian expansion announcement with Nicholas Lee and the £1m funding round coverage.
- Amazon Web Services (AWS)flagshipAWS hosts the Inzura Digital Insurance Platform with Salt Cloud and Docker Swarm orchestration, providing secure, high-availability and highly scalable infrastructure for telematics, OCR, AI and data analytics workloads.
Scale indicators10 records
Recent moves7 records
Expansion highlights7 records
Inzura competitors and assessment
Company assessmentDirect peers
- The Floow: UK-headquartered telematics and Usage-Based Insurance (UBI) platform serving global insurers. Closely comparable to Inzura Drive on smartphone and black-box telematics, driver scoring, and insurer white-label delivery, and competes directly in the same Ptolemus UBI rankings.
- Sentiance: Behavioural telematics and AI platform used by insurers and mobility players for driver scoring, crash detection and contextual engagement. Comparable to Inzura on app-based telematics APIs, driver behaviour scoring and AI-based interventions.
- Tractable: AI computer-vision platform for insurance claims and accident damage assessment. Comparable to Inzura on automated image/video FNOL, document AI for insurance workflows and AI-driven claims acceleration.
- Shift Technology: AI-native insurance platform focused on fraud detection, claims automation and underwriting. Comparable to Inzura on AI-based fraud detection at point of sale and insurer-facing document/claims automation, though at much larger scale and funding.
- Onfido: AI-based digital identity verification and document OCR platform widely used by insurers and fintechs for KYC. Comparable to Inzura iApprove on automated document capture, OCR, fraud detection and identity verification in onboarding flows.
Broad incumbents
- Octo Telematics (now part of Bridgestone): Global telematics and UBI leader historically ranked alongside Inzura in Ptolemus UBI rankings. Overlaps with Inzura on insurance-grade driver scoring and data analytics, but at materially larger scale and with a broader hardware-plus-services portfolio.
- LexisNexis Risk Solutions: Large-scale insurance data, analytics and identity-risk vendor integrated with the Kingfisher/Inzura deployments. Overlaps with Inzura on KYC, claims-history checks and risk-based onboarding, but as part of a much broader portfolio of insurance data products.
- Cambridge Mobile Telematics: Global leader in mobile telematics and driver behaviour analytics used by major insurers for UBI programmes. Comparable to Inzura Drive on app-based telematics, driver scoring and Loss Ratio improvement, but with substantially larger insurer footprint.
Emerging players
- Bdeo: Visual intelligence for insurance claims — automated damage assessment from photos and video, with white-label insurer apps. Comparable to Inzura DashCam/Notify on AI video FNOL, photo-driven claims workflows and insurer app experiences.
Regional players
- ControlExpert: European claims-automation and digital insurance platform with strong automotive-insurer footprint. Comparable to Inzura on automated policy/claims workflows and insurer white-label delivery, but primarily serving continental European markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Inzura social profiles
Digital presenceInzura compliance and trust
Trust signalCompliance3 records
Inzura financial estimates
Financial estimateRevenue estimate
Valuation estimate
Inzura leadership team
Management profileNumber of profiles
Profiles4 records
Inzura funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Inzura M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Inzura
What does Inzura do?
Inzura builds and licenses a cloud-based digital insurance platform that insurers, brokers and financial institutions use to launch white-label smartphone apps for policy onboarding and document validation (iApprove), app-based telematics and Pay-How-You-Drive motor products (Inzura Drive), and integrated white-label dashcams with automatic video First Notification of Loss (Inzura DashCam). The same capabilities are also exposed via Telematics, Odometer, Carbon Offset, Document and Eco Driver Coach APIs and matching SDKs for embedding into customers' own apps.
Is Inzura a public or private company?
Inzura is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Inzura founded?
Inzura was founded in 2015. It employs 1 to 10 people.
Where is Inzura based?
Inzura is headquartered in London, United Kingdom, in the Europe region.
How does Inzura make money?
Five revenue lines are on record. SaaS subscription (per end-user, per month) is the primary driver. The others are up-front integration and customisation fees, pay-as-you-go per document (iApprove), API / SDK usage-based pricing and dashCam hardware resale.
Who are Inzura's main competitors?
Direct peers on record are The Floow, Sentiance, Tractable, Shift Technology and Onfido. Broad incumbents are Octo Telematics (now part of Bridgestone), LexisNexis Risk Solutions and Cambridge Mobile Telematics. Bdeo is listed as an emerging player. ControlExpert is listed as a regional player.
Does Inzura have an API?
Yes. Inzura offers a range of APIs (Application Program Interfaces) and SDKs (Software Development Kits) that allow insurers, brokers, and financial institutions to embed Inzura's technology into their existing services or mobile apps. Available APIs include: Telematics API (driver scores for acceleration, braking, speeding, and cornering; trip modality; trip distance calculation; carbon footprint calculation), Odometer API (uses AI to deliver 97% accuracy when reading mechanical, digital, and LCD odometer photos and classifying Miles vs Km; AI model updated monthly), Carbon Offset API (automatic carbon offset contract execution for products/policies with company-level and user-level offset certificates), Document API (UK Driving Licence validation and data extraction, UK MyLicence customer PDF data extraction, No Claims Bonus data extraction, Proof of Address data extraction, V5 vehicle details data extraction, UK Taxi Licence data extraction), and Eco Driver Coach API (uses chat-gpt technology to deliver personalised eco/safe driving feedback and is designed to reduce fleet CO2 footprint by 10–20%). Available App SDKs include: Telematics app SDK (automatic background recording of trips with iBeacon or phone sensor triggering, GPS and high-frequency sensor capture, automatic connection to Inzura telematics API), Photo capture SDK (flexible on-screen camera templates with make/model camera control and automatic connection to Inzura document processing API), and MyLicence PDF capture SDK (fully managed client-side PDF download and processing with automatic connection to Inzura MyLicence PDF analysis API). SDK integration can be completed in just a few days. APIs and SDKs are available as part of an enterprise/partnership model — contact required for trial access and pricing. Developer documentation is at www.inzura.ai/inzura-api-and-sdk.
What industry is Inzura in?
Inzura's product category is InsurTech software / Digital insurance platform. Its primary akta.pro industry code is HLAEAJAI, Vision Benefit Administration (VBA) / Vision TPA (ASO), with a secondary code of FSAGAGAF, Telematics & Usage-Based Insurance (UBI) Platforms. Its NAICS code is 524210 and its SIC code is 6411.